Any person over the age of 16 is eligible to join our cooperative institution in Cumbernauld and pay into savings accounts, although preferential rate loans are only granted to members aged 18 years and above. Members save on a regular basis for at least 13 weeks and then become eligible to apply for their first loan. Preferential rate loans are at 1% per month on a reducing balance basis. The Credit Union pays life insurance on the loans at no extra cost to the members. Our savings accounts are available for all and our Junior Savers account - from birth to 16 years - can be enrolled by parents and grand parents.
There are benefits to being a member of a cooperative institution which are dividends paid on shares, insurance protection, family funeral plans and of course a central location in Cumbernauld. Our Credit Union can be work or community based and is regulated by the Financial Services Act, the same authority that controls banks and building societies. Cumbernauld Central CU.
John believes an excellent reputation is key to success and that his customers are his best advert. Customer care and satisfaction are a top priority and all work is completed to the highest of standards and at competitive rates.
The garage has many loyal customers, some of them having trusted John with their vehicle repairs and servicing for over 25 years. We are also proud to have many more customers come to the garage by way of recommendation.
A free local collection and delivery service is available for customers within the Stirling area and a courtesy car can be provided free of charge for you whilst your vehicle is being repaired.
Just some of the services offered include:
Full & interim servicing
MOT Preparation & Arrangement
Diagnostics
Clutches & Brakes
Tyres & Exhausts
Steering & Suspension
Batteries
Timing Belts
One cannot know if William Stephen foresaw the Bakery Business he started in 1873 still flourishing and bearing his name one and a quarter centuries later. It is, looking back over 137 years of tremendous change in the world, of some comfort to experience this notable anniversary of a family firm still actively engaged in the type of trade and principles on which it was founded.
What the NEXT 137 years holds in store for us and our children and our childrens children, cannot be predicted, but as Stephens the Bakers enters the Third Century of its existence, perhaps 66 years from now, in the year 2073, the carefully preserved records of this fine old craft business will be opened, wondered at, and commemorated by persons not yet born. Meanwhile, let us not think of Stephens as being an old company, but 137 years young !
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