You are a member of the Credit Union, not a customer.

Together, members create a community with a common goal; to help one another financially. Members savings are pooled together to create an opportunity for others to borrow affordably and fairly. The interest charged on lending contributes toward the Credit Union’s profits and surplus profits are shared with members every year, in the form of a dividend. Dividends are usually paid following our Annual General Meeting (AGM).

The AGM is one of the most important days in the Credit Union’s calendar. It allows Directors and members to come together and have their say on what matters. Members of the Credit Union are entitled to a vote at the AGM as every member has one vote, regardless of how much they hold in savings – subject to the minimum £5 required to be held at all times. Voting gives you the chance to help make key decisions which could make a real difference to your Credit Union.

We pride ourselves on being a mutual organisation and welcome members to become involved in our AGMs. AGMs are held between January and March of a calendar year, with members being informed of the date at least 1 month in advance

We will hold our ONLINE ONLY AGM for 2024-2025 on Thursday 26th February 2026 at 2pm

Members – please sign up to the AGM to get the link for the day below (You will be sent a Zoom link before the AGM)

Registration link is: BDCU AGM 2026

You will need your member number so if you DON’T KNOW IT please email credit.union@bdcu.co.uk to request it and you will be called to verify you and given this over the phone.

Documents for the AGM are attached, please email credit.union@bdcu.co.uk with your member number if you need a paper copy sending in the post.

1. AGM 2026 Agenda
2. AGM 2025 Minutes
3. AGM 2026 Summary of Changes
4. BDCU Rule Book 2026