Join your credit union.
MCU is owned by its members. Every member, one vote, no exceptions. It's £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
New to MCU? Bring or upload your photo ID and proof of address, and we'll help you get set up.
I have a membership
Claim your account with the email we hold for you — we'll send you a link to set a password for the member portal.
Already set your password? Sign in to the member portal.
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.
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.