An incuto demo - Demo Credit Union is a fictional credit union showcasing the art of the possible.

Fair savings and affordable loans, owned by you

Demo Credit Union is a not-for-profit financial co-operative run for the benefit of our members. Save regularly, borrow affordably, and keep your money working in the community.

How can we help?

Everything you need, in one place

Whether you're new to the credit union or a long-standing member, getting started takes just a few minutes.

Become a member

Join Demo Credit Union online today and start saving with a community-owned financial co-operative.

Join now

New to us? Apply for a loan first

Not a member yet? No problem. Use our loan slider to see what your repayments could look like, apply first, and join later.

Try the loan slider

Existing member? Quick Loan

Already a member? Find your account or log in to prefill your details and get a faster loan application.

Start a Quick Loan
Membership

Join Demo Credit Union

Membership is open to everyone in our common bond. As a member you're not just a customer - you're an owner, with an equal say in how the credit union is run.

  • Save flexibly - from as little or as much as you like
  • Access fair, affordable loans with no hidden fees
  • Profits are returned to members, not shareholders
  • Your savings are protected by the FSCS*
Apply for membership

Ready in minutes

Our online application is quick and secure. Have a form of ID and your bank details to hand, and you could be a member today.

Join online now
New customers

Loan calculator - apply first, join later

Use the slider below to choose how much you'd like to borrow and over how long. You can apply straight away and complete your membership as part of the process.

Loading the loan calculator…

Representative example shown in the calculator. All loans are subject to status and affordability checks.

Existing members

Already a member? Get a Quick Loan

If you're an existing member, our Quick Loan lets you find your account or log in so your details are prefilled - making your loan application faster and easier. Already have a loan? You can apply to top it up - your top-up eligibility date is shown in the members' area when you log in.

Apply with Quick Loan