How to become a member

Offering an Ethical Way to Save

Joining Pioneer Mutual is as easy as 1,2,3 ….

Step 1 – Are you eligible?

To join our Credit Union you will need to live or work within our common bond area.

Note: If you are looking to open an account for someone under the age of 18, please visit our First Savers page to find out more.

Step 2 – Prove your identity

Once you have confirmed that you are eligible to join, please check our identification requirements as you will need this to open your account. If you have any issues regarding the ID requirements please do not hesitate to contact a member of the Pioneer team

Step 3 – Complete Application Form

Now that you’ve confirmed you’re eligible, and have the required identification, you can complete our simple online application form. 

Important: It costs £6 to become a member of Pioneer Mutual Credit Union (£5 membership fee, £1 share).  On completion of your application we will contact you with instructions on how to pay the membership fee.  Once you join there are no annual fees or hidden charges.

We look forward to welcoming you a member!

ID Requirements

To join Pioneer Mutual you will need to provide one of the following:

  • Passport and proof of address 
  • Photographic Driving License and proof of address 

Or, one from each of the lists below.

List A:

Driving License without photo, Notice of Tax Coding (current year), Pension Book
, DWP Confirmation of Benefit, Local Authority Confirmation of Benefit

List B

Utility Bill e.g. gas, electricity, water, telephone bill, Bank, Building Society or Credit Card Statement, Mortgage Statement, Council Tax Statement, 
Mail Order Statement

All bills and statements should be under 3 months old.
We regret we cannot accept the following: TV License, Bank Guarantee Cards/Credit, Debit Cards/mobile phone bill/Business cards
. If you are unable to produce the above we may, in restricted circumstances, accept a letter of recommendation from a reputable source, e.g. doctor, social worker, religious leader.

Our common bond

Pioneer Mutual have one of the largest common bonds in Scotland. Our common bond grants 1.8 million residents’ access to our financial services.

Are you eligible to join Pioneer Mutual Credit Union?

You must be an individual who resides in or is employed in the postcode areas beginning:

  • G1 – G90
  • PA1 – PA98
  • ML1 – ML12

If you are joining us because you are employed in one of these areas, please note that we will require proof of your employment by way of a payslip with your employer’s address.

Find out if you can become a member today through our common bond map.