Why join FDIT Credit Union

Looking after your financial interests

Members' financial wellbeing is the Credit Union's number one goal. Members are encouraged to save as they repay their loans. Additionally, we provide saving and borrowing tips.

Low cost loans

Loans are affordable. Importantly, unlike other lenders our rates are capped. Because of this, we never charge more than 42.6% APR. Therefore, a £500 loan paid back over 28 weeks costs just £51....

Webform

  • Applicant details
  • Nominee/Beneficiary details
  • Complete

To apply for membership you must: 

  • Live, work or worship within the 'common bond', or

  • be in the same household as an existing member 

If you are unsure whether you qualify for membership, please contact us and one of are team will be able to verify this for you. 

Important information

This application is for membership only. if you wish to apply for a loan at the same time as applying for membership of the Credit Union, then you should use the loan application form here.

Membership terms and conditions are governed by the rule book

Membership entitles you to take part in the governance of the Credit Union in a democratic way. Provided they have paid all membership fees and are a valid member: each member has a share in the company, regardless of their share / savings balance, entitling them to 1 vote at any AGM, GM or SGM. 

Membership fees are payable on joining the Credit Union and then again at a weekly/monthly/annual rate, as will be decided from time-to-time by the board of directors.

We will use identity verification software to verify your identity as part of the application process.

Checks will be made against Credit Referencing & Fraud Prevention Agencies. A search may be registered against your credit record for this purpose.

We reserve the right to refuse your membership application.

To read the full privacy policy please click here.
To read the full terms and conditions click here.
Who is the account for?
What is your name and date of birth?
What is your current address?
Have you lived here for at least 12 months?
What was your previous address?
And your address before that?

You can apply for up to 4 junior members at a time

What is the name of the first child you wish to apply for membership for?
What is their current address?
These include relastionships by way of marriage and/or adoption
Would you like to apply for another Junior Membership account?
What is their name?
What is their current address?
These include relastionships by way of marriage and/or adoption
Would you like to apply for a third Junior Membership account?
What is their name?
What is their current address?
These include relastionships by way of marriage and/or adoption
Would you like to apply for a fouth Junior Membership account?
What is their name?
What is their current address?
These include relastionships by way of marriage and/or adoption