Joan finds the ad­van­tages of join­ing Union

Airdrie & Coatbridge Advertiser - - Info..Info..Info -

Case study: Joan Martin, West Loth­ian Credit Union

I’ve been a mem­ber of West Loth­ian Credit Union for 10 years and was pre­vi­ously a mem­ber of Cap­i­tal Credit Union for 20 years.

I orig­i­nally found out about what a credit union could of­fer when rep­re­sen­ta­tives vis­ited the school where I worked and gave us some in­for­ma­tion about mem­ber­ship.

It seemed like a very easy, trans­par­ent way to con­duct my sav­ings.

I ini­tially joined as I re­quired a loan for a hol­i­day to Amer­ica, but as I be­came more aware of the ethos of a credit union, I opened ad­di­tional prod­ucts such as a sav­ings ac­count, loan and Santa Saver.

I like that the sav­ings ac­count is sep­a­rate from my bank­ing prod­ucts and I keep this for my chil­dren and grand­chil­dren at Christ­mas time.

The ser­vice at the credit union is truly ex­cel­lent, the staff al­ways have the time to lend an ear and they’ve taught me so much about how to man­age my fi­nances.

Through reg­u­lar vis­its to the credit union I re­alised no prob­lem was too small, and staff are al­ways will­ing to sup­port you to man­age your money, your way.

I’m amazed how the credit union have en­cour­aged me to save when I al­ways thought I had no rea­son to.

It wasn’t un­til we got a shock in the fam­ily when the boiler broke and we had to use money that we’d put aside that I re­alised how much credit unions help mem­bers in times of fi­nan­cial dif­fi­culty.

Had it not been for the credit union we would have found our­selves in a very dif­fi­cult sit­u­a­tion.

I was a pupil sup­port worker at the school where the credit union rep­re­sen­ta­tives ini­tially vis­ited, and I now par­tic­i­pate in vol­un­tary train­ing.

One of my goals is to help peo­ple get to a sta­ble fi­nan­cial sit­u­a­tion at an ear­lier stage in their life and credit unions can help them.

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