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About Us

Mission Statement

Moray Firth Credit Union aims to provide an easily accessible and inclusive service, offering members ethical and safe savings facilities with responsible lending practices. The mission of our Credit Union is to promote the financial well-being of our members using the integrity of our team to continue to promote financial education and good saving habits. 


The Credit Union Story

The modern Credit Union movement traces its origins to Germany and to the leadership of Hermann Schulze-Delitzsch in 1852 and are small non-profit financial organisations set up by members with something in common to benefit their community. Moray Firth Credit Union is a financial co-operative which offers safe savings accounts and low-cost loans to members.  

Our own Moray Firth Credit Union started in 1994 in a wee room in Forres community centre by a small passionate group – some of who are still involved in varying aspects today. Moray Firth Credit Union aims to help members take control of their money by encouraging saving what you can, and borrowing only what you can afford to repay.


Who can join Moray Firth Credit Union?

Moray Firth Credit Union is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority FRN 213795 (the UK's financial services regulators) and Credit Union's serve a particular geographical area, called a 'common bond' and in our case it is Moray and Nairn.

Group memberships are also available to community groups operating within these areas.

When you join Moray Firth Credit Union you are not just an account number. Our Credit Union is a not for profit financial cooperative, which means that all of our members are also owners. Our members first philosophy serves us well and keeps us focused on our passion and commitment to our community in which we strive to be inclusive across all sectors in society.