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You must live or work in Bedford or Kempston to become a member.
You will be required to visit our office or a collection point (a place where BCU have a facility in the local community for members to deposit money) to complete an application form.
A new member will be asked to provide two separate pieces of identification: one to prove identity1 and one to prove address2. (However if you are unable to meet this requirement, please come and speak with us, we are here to help and encourage new members)
1. Proof of Identity could be either a:
Full Passport, Full Driving Licence, Notice of Tax Coding (current year), Child Benefit Book, Pension Book, HM Forces ID Card
2. Proof of address could include:
A recent utility bill (electricity, gas, water etc.), Bank, Building society or Credit Card Statement, Mortgage Statement, Council Tax Demand, Mail Order Statement
We have a £3 joining fee this is levied to assist the union with the administration costs and required a minimal deposit of £1 to savings.
To obtain a loan the member must by law be aged 18 years or over. A rule for the lending of money is that you have to have a pattern of regular saving for 13 weeks before we would consider the facility of a loan.
Junior account can be opened for under 16 year olds. A deposit of £1.00 should be made and the new junior member decides any future deposits.
Payment can be made either by standing order through the guardians account, deducted from guardians’ payroll, or paid directly into the Credit Union Office.
Identification required: The adult opening the account needs to be identified with 2 forms of ID and the child is identified by either a Birth Certificate or Passport.