How to Join a Co-operative

What Does Membership Mean?

Being a member of a co-operative means you are an owner — not just a customer. Members have voting rights, receive information about the co-op's performance, and share in any surplus. The level of involvement varies by co-op type.

Types of Membership

How to Apply

1. Find a co-op — use the directory below to find co-ops with open membership in your area or sector.
2. Check the membership criteria — some co-ops restrict membership to a geographic area, trade, or employer. Most are open to anyone who shares their values.
3. Complete an application — usually an online form or paper application. Credit unions often allow you to join via their website.
4. Pay your membership fee or share capital — this is typically modest. Co-ops are designed to be accessible, not exclusive.
5. Attend an induction or first meeting — many co-ops hold an induction for new members to explain how the co-op works and what your rights are.

Your Rights as a Member

• One vote at member meetings regardless of how much you have invested
• Elect the board or management committee
• Receive the annual report and accounts
• Vote on major decisions including changes to the rules
• Receive a share of any surplus (dividend) if distributed
• Stand for election to the board
• Access the FCA's Mutuals Register to check the co-op's registration