Become a member

In the community

Membership is open to anyone who lives or works in the London Boroughs of Southwark, Lambeth Westminster or Camden.

Via your employer

If you work for one of our local employer partners, you’ll be able to set up salary-deducted savings when you join.

Armed Forces

Open to active members of the Army, Royal Navy or RAF, making it easy to borrow or save straight from your MOD (JPA) pay.

Family member

If you are family of a current member and live at the same address, you are also eligible to join us.

Junior Savers

Our under-18s membership is designed to to help younger members get into the habit of saving small but regular amounts.

Becoming a member

By law, you need to become a member of London Mutual Credit Union before we can offer you a loan or any other service. You can apply for membership at the same time as you apply.

To be eligible to become a member, you need to be part of one of the communities we serve (known as our ‘common bond’), which includes the London Boroughs of Southwark, Lambeth, Westminster and Camden, as well as all members of the UK armed forces and their families.

How your application will be processed

Before we can open an account for you or begin processing your loan application, we need to verify your identity and check that you are indeed eligible to be a member. We can do this online if you authorise us to do so. It won’t leave a footprint or affect your credit file in any way.

If for whatever reason we are unable to verify your identity in this way, we’ll follow up with you via email.

Can I join?


Living or working in the London Boroughs of Southwark, Lambeth, Westminster or Camden


Member of the armed forces, the reserves or receiving a forces pension


Family members living in the same household as an existing member