Skip to main content

Welcome to Sovereign Credit Union

Sovereign Credit Union welcomes you to its comprehensive money management services, catering to residents and employees of Ayrshire, Arran, and Dumfries & Galloway.

Established in 2002 as Cumnock & Doon Valley Credit Union, we rebranded to Sovereign Credit Union in 2012, expanding our service area. Now, individuals living or working in Ayrshire, Arran, and Dumfries & Galloway can easily become members.

Understanding Credit Unions

Credit Unions are designed for everyone's financial well-being. Our primary goal is to promote saving and provide access to loans.

As a not-for-profit entity, Sovereign Credit Union is owned by its members, who share a 'common bond.' This bond encompasses individuals residing or working in Ayrshire, Arran, and Dumfries & Galloway. Our volunteer Board of Directors, chosen during the Annual General Meeting (AGM), guides the credit union's operations.

The AGM, held annually, invites all members to participate. Since we're a mutual organization, members reap rewards through retrospective dividends on their deposits, a key feature discussed at the AGM.

Confidentiality is paramount in our operations. All Board members, staff, and volunteers uphold this principle through a confidentiality agreement.

Please note, terms and conditions apply.