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Joining Hope
- To become an adult member of a credit union, you must
be over 16 years old (for Junior Savers, see below) and live or
work in the area covered by the credit union, known as its "common
bond". HOPE Credit Union currently covers the whole of the city of Plymouth as shown by the red line on the map below. If you aren't sure
if you qualify, please contact us
to confirm.
- Next, you will need to complete an application form.
This can be obtained from one of our service
points or you can print one out by clicking here. Please
complete the green sections.
- Finally, like all banks and building societies, it is
a requirement of the Financial Services Authority (FSA) that we
positively identify all of our members. This means that we need to
establish your name and your current address. To do this, bring your
completed application form along to one of our service points, together
with:
- a photographic identification document, for
instance, a passport or photo driving licence; and
- a proof of address such as a recent utility bill;
and
- a membership fee of £1 and at least £1 to pay
into your share account.
- We will then send you a Welcome Pack containing a
passbook which you can use to save with the credit union.
Alternatively, you can complete a Standing Order (included as part of
the Welcome Pack) to enable you to save a fixed amount weekly
or monthly - it's amazing how quickly your savings grow!
- After a qualifying period, you are eligible to take
out a loan - you can get more information by clicking here.
- Finally, as a member, your savings and loans are
automatically covered by valuable Life Insurance at no cost to you! For
more details, click here.
Junior Savers
- Hope Credit Union has an active junior saver
community mainly based in several local schools through Savings Clubs.
However, membership is open to all below the age of 16 who qualify as
living or attending school in the common bond (see the red line in the
map above). Junior saver membership is free.
- When a junior reaches the age of 16, he/she
automatically becomes enrolled as an adult member of the credit union.
At this time, we will send you a Welcome Pack and charge your share
account with the £1 membership fee.
- Junior saver application forms are available through
your school (we currently have savings schemes with Plym View and
Highfield schools, although the list is growing), or directly using an
application form available at our service points. You can also print
one out by clicking here.
Please complete the green sections.
- Hand your completed application form in at your
school savings club, or bring it one of our service points. We will
do the rest.
- Junior savers are not covered by life insurance, and
cannot apply for loans from the credit union.
Whenever you attend a Service
Point or Paying-in Point don't forget to bring your Passbook so we can
update it.
We look forward to welcoming you as a member of HOPE
Credit Union and trust you will benefit from the services we offer.
Remember, it's run by volunteers who are all members of your community.
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