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Welcome to the Scottish Universities Community Bank

The credit union for Scotland’s Universities and Colleges

We lend to students, academic staff, catering staff, administration staff and anyone else working for a University or College.

 

Check out how much our borrowing costs using the loan calculator.

Loan Calculator

Who Are We? 

Founded in 1991 at Heriot-Watt University, Scottish Universities Community Bank (SUCB) began as a small credit union for university employees in Edinburgh. More than 30 years later, we have grown to serve staff, students, graduates, and family members from universities and colleges across Scotland. 

With over 1,200 members and decades of experience, we have built a reputation for trust, transparency, and community values. Every decision we make supports our members, not shareholders, because your well-being is our bottom line. 

 

What do We Do? 

  • Provide low-cost, fixed-rate loans with no hidden fees or credit-score discrimination. 
  • Help build your savings with flexible options through payroll deduction or standing order, and protect your funds through the Financial Services Compensation Scheme (FSCS), giving you security and confidence. 
  • We provide ethical financial services that make saving and borrowing simple for Scotland’s higher and further education community. 
  • Make lending decisions within 24 hours and accessed based on individual circumstances.

Payroll Partners

 

           

Member Benefits

Free to Join, Free Membership, Free to Leave

Build Savings Easily

Low Cost Loans

Save While You Repay

Members Are Put First

What Our Members Say