At their recent AGM, we met some of the individuals who help bring this mission to life. From a volunteer chairperson to local members turned advocates, their stories reveal the powerful impact of community led financial support.

A Lifeline for the Community

Jody Reid, the current chairperson, knows firsthand how vital the credit union can be. “When my family was younger, I used the credit union a lot,” she said. “I was able to save up, get loans for holidays and even a car. If it wasn’t for that, we wouldn’t have been able to afford any of it.”

Jody’s own experience inspired her to step into a leadership role. “It’s a way for me to give back. This place helped me and my kids when we needed it, so it’s important for me to support others in the same way.”

St Machar Credit Union’s support extends beyond loans and savings. “We don’t just offer financial services,” she added. “We also signpost people to other support – whether it’s help with energy bills or housing – because the staff really know the community.”

Creating a welcoming, approachable atmosphere has always been a core value. “Discussing finances can be hard,” Jody said. “Having friendly, knowledgeable staff who meet people face-to-face makes a huge difference.”

From Struggle to Support

Julie, a long-time member, reflected on her experience as a young single parent. “I used to put a little money away when I could,” she said. “At Christmas, I’d take out a small loan so I could buy my child something without falling into deep debt.”

“Asking for help wasn’t easy. I felt ashamed. But when I came here, they didn’t judge me. They helped me. Now, years later, I see my daughter going through similar challenges. It’s hard – but knowing this place is still here means everything.”

Julie also highlighted the unseen struggles many face. “Folk in the community are struggling, and people don’t always see that. Having the Credit Union here – a place where people can turn to for advice and help and take care of their own finances – makes a huge difference.”

Everyday Heroes

Long-time volunteers June and Sandra embody the community spirit that powers St Machar Credit Union. “I got involved a long time ago,” June said. “I liked helping out and getting to know folk in the area.”

Sandra agreed: “The staff are magnificent. They help people every day. And now we’re seeing more and more folk. The need is growing.”

Asked why they continue to volunteer, Sandra put it simply: “Because it’s about supporting your community. Helping people who need it most.”

Alternatives to High-Interest Debt

David, a committed member and advocate, spoke about the dangers of high-interest loans.St Machar Credit Union is about more than financial guidance – it’s about restoring dignity, building relationships, and offering hope. “There’s something powerful about knowing someone’s there for you,” David shared. “Even when being in a challenging situation can often make you feel invisible.”

These values resonate throughout the organisation. As James – a long-time customer who has since moved away from the city but makes the effort to come back when he can – puts it: “It’s a place where people are treated like people. And that matters.”

“You can phone if you want, but it’s much easier to come in and speak to someone in person. They’re friendly, welcoming, and they genuinely care about you – not just your account. With so many banks closing local branches, it’s rare to find somewhere you can actually talk to a real person when you need help. That’s what sets the credit union apart.”

James also shared how the service has supported him personally: “I’ve had issues with my physical and mental health over the years. Being able to take out manageable loans when I need them has been really positive and helpful for me.”

A Growing Necessity

With fewer affordable financial options available the need for St Machar Credit Union’s services has only increased. “That makes what we do here even more important” says Jody.

“We’re a responsible lender, everything is based on members’ affordability. There has to be a clear understanding of the loan’s terms, conditions, fees, interest rates – and why it is important that you continue to save, throughout. That’s what sets us apart.”

Ultimately, it’s the people that make St Machar Credit Union so special – people like Jody, Julie, Sandra, June and David, who give their time, share their stories, and believe in a better future for their neighbours.

“We help each other,” Sandra said. “That’s what a community should do.”

And in the words of one member, who has used the credit union for 20 years, who wishes to remain anonymous :

“A lot of people are struggling and feeling desperate. Sometimes it can feel like there’s nowhere to turn. Just knowing there’s a place where you’ll be welcomed and treated with kindness – that can mean everything. That kind of support changes lives.”

St Machar Credit Union offers a range of financial services tailored to the needs of the local community, providing personalised support and a strong commitment to financial well-being. Find out more about joining to take advantage of their dedicated services and community-focused approach, as well as opening hours and contact details, at bit.ly/st-machar-credit-union

This article originally appeared in the May 2025 edition of ACVO News, our free monthly digital magazine featuring news and updates for and from the third sector in Aberdeen. Read the latest and past editions, and sign up to have it sent direct to your inbox every month at acvo.org.uk/acvo-news