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Current opening hours from January 4th 2021. The office will be open from 11.00am to 1.00pm daily on Monday, Tuesday, Thursday and Friday. Wednesday will remain closed to members.

It would help at this time if you could :

  • Avoid coming into the office and instead make your payments in by bank transfer to 80-06-81, 00349797.
  • Use your credit union membership account number and your name as your reference when paying by bank transfer.

Please call the office on 01309 676735, or email: if you are unsure of any of these details.

All telephone messages will be responded to.


Welcome to Moray Firth Credit Union

Moray Firth Credit Union is a profit-sharing, democratically run financial cooperative. Run by its members for its members. We offer safe, accessible savings and fair, affordable low-interest loans to our members.

Why People Choose Moray Firth Credit Union

Easy Saving

We provide an easy way to save, from as little as £1 and these regular amounts soon build up.

Your Savings are Safe

Credit Unions are regulated by the Financial Conduct Authority and the Prudential Regulation Authority, just like banks and building societies. Members’ savings are protected by the Financial Services Compensation Scheme (FSCS).

Annual Dividend

Depending on reserves, shares (savings) are eligible for an annual dividend.

Owned by Members

The credit union is owned by members and run for the benefit of members – so you share in our success.

No Hidden Fees!

There are no extra hidden charges or fees on any transactions and no early settlement fees.

Affordable Loans

We provide affordable loans for members at very competitive rates of interest.

Ethical Choice

We are an ethical savings choice.

Simple Saving & Withdrawals

You can change the amount you save, and withdraw money easily too


Credit Unions are ‘not for profit’ financial co-operatives owned and controlled by individual members with strong volunteer involvement

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