Join your credit union.
MCU is owned by its members. Every member, one vote, no exceptions. Joining takes about ten minutes, £10 to open your account, and £5 of that lands straight in your savings as your first share.
I'm joining MCU for the first time
Open your share account online. ID check, £10 to open, and you're a member. About ten minutes, start to finish.
I have a member number
Sign in to the new member portal with the Member Number you already have. First time signing in online? Set up a passkey in about a minute.
Four steps to a share account
See exactly which documents we accept →- 01
Check eligibility
Membership is open to anyone aged 16 or over who lives on the Isle of Man.
- 02
Verify your identity
Passport or driving licence plus a recent utility bill or bank statement. Snap them in the app or bring them to Ragnall House.
- 03
Open with £10
£10 opens your account. £5 of that becomes your first share — yours, sitting in your savings from the moment you're a member.
- 04
Sign your share agreement
An e-signature in the MCU app, or in person on a Saturday. Takes under a minute.
Quick answers
- Who can join Manx Credit Union?
- Any individual aged 16 or over who lives on the Isle of Man can join.
- How much does it cost to join?
- £10 to open your account. £5 of that becomes your first share, which sits in your savings from day one and counts toward your balance.
- How long until I can borrow?
- Starter and Emergency loans are available to members from day one. Loyalty Saver and Premier rates are linked to the savings you hold with us — the team can tell you when you qualify.
- Can I switch from another bank?
- We can't replace a current account. But our share account and the MCU app cover most everyday saving needs, and many members keep both.