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  • Welcome To Sovereign Credit Union

    Community based Savings and Loans

    Here for the residents and employees of Ayrshire, Arran, and Dumfries & Galloway

    Sovereign Credit Union
  • Established in 2002

    We serve those living in Ayrshire, Arran, and Dumfries & Galloway

    Offering sensible savings plans and affordable loans

    Map of Common Bond
  • Become a member and

    Start Saving with us today

    everyone benefits from regular saving; it allows you to work towards your goals and gives peace of mind for emergencies.

EASTER WEEKEND

The Credit Union will be closed on Friday 3rd April and Monday 6th April.

We re-open as normal on Tuesday 7th April at 10am.

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We're Joining Forces with Thistle Credit Union.

We’re thrilled to announce that Sovereign Credit Union is joining forces with Thistle Credit Union, creating a stronger, more vibrant financial community for everyone.

This transfer opens up a world of new benefits for you, both in terms of service and a wider range of financial solutions. This system and branding update is the last step in completing the transfer agreed at the two special general meetings held in August and September 2025.

You will see some changes to the offices but our opening times as well as highly trained and friendly staff and volunteers will remain the same.