Our Objectives

  • The promotion of thrift among our members by the accumulation of their savings;
  • The creation of sources of credit for the benefit of our members at a fair and reasonable rate of interest;
  • The use and control of members’ savings for their mutual benefit;
  • The training and education of our members in the wise use of money and in the management of their financial affairs.

Our Values

Our Board of Directors reviewed our values in 2020 and show principles which underpin everything we aspire to do. They lead our vision and guide our strategy. These are:

  • Responsible
  • Ethical
  • Of Service
  • Inclusive
  • With Integrity


The Moray Firth Credit Union Board of Directors is an elected group of members who are responsible for the long-term strategic direction, development and success of Moray Firth Credit Union.

The Board reports to the membership at the Annual General Meeting. The Board, together with the senior management team, meets on a monthly basis to monitor Moray Firth Credit Union’s progress and operational success.  It also helps to shape the future and ongoing strategies required for the continued success of Moray Firth Credit Union.

Where we operate

We are a membership organisation and members must LIVE or currently work in the geographical area outlined below.


Our Offices

After humble beginnings in a small room in Forres House Community Centre, then 10 years in 138 High Street Forres we relocated to larger premises at 53 High Street Forres in August 2017.

We relaunched as Moray Firth Credit Union Ltd and the boundary was extended to accept membership from people who live or work within that area after enquiries over a period of years.

As we entered 2021 we are in the process of establishing ‘satellite’ collection points and recruiting and training volunteers to run new locations initially in Elgin and Buckie.


Head Office

53 High St, Forres, Moray, IV36 1PB

Opening Hours

  • Monday – 10:30am – 1:30pm
  • Tuesday – 10:30am – 1:30pm
  • Wednesday – Closed
  • Thursday – 10:30am – 1:30pm
  • Friday – 10:30am – 1:30pm
  • Saturday/Sunday – Closed


Satellite Office – Moray Reach Out,

23 East Church St, Buckie, AB56 1ET

Opening Hours

  • Monday – Closed
  • Tuesday – Closed
  • Wednesday – 11am – 1pm
  • Thursday – Closed
  • Friday – Closed
  • Saturday/Sunday – Closed


Satellite Office – Bow Cafe

High St, Elgin IV30 1EE

Opening Hours

  • Monday – 11am -1pm
  • Tuesday – Closed
  • Wednesday – Closed
  • Thursday – Closed
  • Friday – Closed
  • Saturday/Sunday – Closed