Credit Union Member Management System Web App

The Credit Union Member Management System Web App is a finished, role-based core book for a member-owned society: 420 members, 480 savings accounts, 150 share certificates, 190 loans and 4,172 ledger movements are already seeded, and the trial balance foots to $4,540,750.00 on both sides the moment you sign in. It runs entirely on your own Google account – Apps Script front end, Google Sheets database, files in your own Drive – so there is no monthly seat fee and no third party holding your members’ data. You can sign in to the live demo below as any of the eight seeded accounts before you spend a cent, and every screen you see in the gallery is a real capture of the running system, not a mock-up. Credit Union Member Management System Web App

Try the Live Demo Before You Buy

The demo is a shared instance that resets. Open it, sign in as any role below, and see exactly what a teller can reach that an auditor cannot. Credit Union Member Management System Web App

Launch the live demo →

Demo sign-in details

These credentials are public on purpose – they are the seeded logins of a shared demo instance that resets, not of anybody’s live society. Your own deployment gets its own database in your own Drive, and you change all eight passwords on first run.

Key Features of the Credit Union Member Management System Web App

• One reconciling ledger behind every balance. Each savings and share balance is the signed sum of that account’s rows in the 4,172-row Transactions Ledger, and each loan outstanding is the amount disbursed less the principal actually repaid in the schedule. A built-in reconcileLedger() routine proves it and names any account that disagrees.
• Six roles, one permission map. The same PERMS map drives the sidebar the user sees and the guard on every server call, so a hidden page cannot be reached by another route. Roles without the money permission have the money columns stripped on the server before the payload ever reaches the browser.
• Full lending life cycle. Application → committee recommendation → approval or decline → disbursement → a 7,566-row amortisation schedule → receipts split into principal, interest and penalty → arrears bucketed 1-30 / 31-60 / 61-90 / 90+ with a follow-up trail.
• Deposits that behave like a real rate card. Twelve deposit products from Regular Share Savings at 2.10% to a 60-month Share Certificate at 5.25%, each with its own minimum opening balance, tenure and interest-paid frequency.
• Fourteen loan products. Member Mortgage at 6.75% over 240 months through to a 14.00% Emergency Loan, each with its own penal rate, minimum, maximum, fee percentage and whether security is required.
• Counter and cash control. One teller session per teller per business day with opening float, receipts, payments, an expected figure and a counted close – so a $35.00 variance is visible instead of buried.
• Fourteen printable reports. Trial Balance, Loan Portfolio Summary, Delinquency and PAR Ageing, Member Statement, Savings Balance Listing, Term Deposit Maturity, Loan Repayment Due, Interest Income and Expense, Dividend Payout Register, Teller Day Close and Cash Position, Fee and Charge Collection, Expense Summary by Category, New Member Growth and Dormant Accounts – each with a period, a branch filter, print and CSV export.
• Governance and audit built in. Board, credit committee, supervisory and general meetings with invited, present and quorum; plus a 465-row audit log recording who did what, in which module, at which branch.
• Backup and archive. Take a full copy of the database into your Drive at any time, preview how many closed transaction rows sit before a cutoff, then archive – which copies first, registers the copy with its URL, and removes only closed transactions. Members, accounts, loans and every open item stay live.

What’s Inside the Credit Union Member Management System Web App

The download is a ZIP holding three files: Code.cs.txt (the Apps Script backend), Index.txt (the entire interface) and a 30-page user manual PDF. Paste the two source files into a new Apps Script project, run setup once, and the script writes and seeds 34 spreadsheet tabs holding 18,980 rows.

The 30 pages, grouped as the sidebar groups them

• Overview – Dashboard: nine KPI cards, a Needs attention strip, twelve-month disbursement against repayment, a member-funds doughnut, loan book by product and by branch, arrears ageing and new members each month.
• Membership – Members (420), Membership Applications (120, with 38 awaiting a decision), KYC Documents (260, 206 verified) and Branches (6).
• Deposits – Share Accounts (420), Savings Accounts (480), Term Deposits (150 certificates, $2,055,101.48 maturity value) and Deposit Products (12).
• Lending – Loan Applications (240), Loan Disbursement (190), Repayment Schedule (7,566 rows), Loan Repayments (900 receipts), Arrears and Delinquency, Collateral (114 items, $5,985,106.05 valued), Guarantors (250) and Loan Products (14).
• Counter – Transactions Ledger (4,172), Standing Instructions (165), Cheque Book Requests (140) and Teller and Cash Management (252 sessions). Credit Union Member Management System Web App
• Accounts – Interest Posting (81 quarterly runs, $253,383.89 credited), Dividend Declaration (5 years, $54,313.85 paid out), Charges and Fees (602) and Expenses (1,215 vouchers).
• Governance – Board and Committee Meetings (18), Reports (14) and the Audit Log (465).
• Administration – Users (8), Lists (235 dropdown values, every dropdown in the system driven from one page) and Settings.
• More – a Help page with module-by-module guidance and six common questions, plus Get More Templates.

Credit Union Member Management System vs. a Spreadsheet Book vs. Paid Core Banking SaaS – Where This Fits

Who This Template Is For – and Who It’s Not For

It fits a small or mid-sized co-operative credit union, SACCO, thrift society or staff credit society that has outgrown a shared workbook: several branches, a few thousand members at most, share capital plus savings plus certificates plus a loan book, and a committee that wants a trial balance and a PAR ageing without asking somebody to rebuild a pivot table.

It does not fit a society that needs a licensed, certified core banking platform; anyone expecting payment rails, a card switch, cheque clearing or a credit-bureau feed; a society that needs IFRS 9 or CECL provisioning models; or a team that will not change the eight seeded passwords before real member money touches it. If any of those is a hard requirement, buy core banking software instead of a template.

How to Use the Credit Union Member Management System Web App

1. Try the demo first. Open the link above and sign in as lgrant (Teller) and then as pashford (Accountant). If the difference between those two screens is what your society needs, the rest is worth your time.
2. Unzip and read the manual. The PDF carries the first-run checklist and the seeded logins.
3. Create the Apps Script project. Paste Code.cs.txt into Code.gs and Index.txt into an HTML file named Index.
4. Build the database. Run setup from the editor, or deploy first and press “Build the database” on the sign-in card. The seed is large, so it builds in stages and reports its progress; pressing the button again continues it. Running setup twice is always safe – every stage skips a table that already holds rows.
5. Deploy as a web app and keep the /exec URL. That single link is your system.
6. Change all eight passwords, then open Settings and set your society name, registration number, address, currency code and symbol, financial year, share par value, minimum shares to join, dormancy window, maximum debt-to-income, credit committee quorum, grace days, write-off window and print size.
7. Load your own book. Members and savings accounts have an Import button; deposit and loan products, branches and list values are entered on their own pages. Then run reconcileLedger() once and confirm every balance agrees.

Real-World Use Cases Credit Union Member Management System Web App

Darren runs the Downtown branch of a five-branch society. He signs in and sees only Downtown: 38 membership applications waiting on a decision, the KYC documents his staff still have to verify, and his branch’s loan book. He approves an application, which creates the member record, opens a share account and posts the subscription in one step – work that used to be three rows typed into three tabs. Credit Union Member Management System Web App

Priya is the accountant and never leaves the Accounts group. Once a quarter she runs the interest posting for each deposit product, checks the eight draft postings before releasing them, then declares the dividend on paid-up share capital and lets the credit run pay it to share accounts. At month end she prints the Trial Balance and it foots without a manual adjustment.

Rahim is the supervisory committee’s auditor. He has a read-only sign-in across all branches, so he can pull the Delinquency and PAR Ageing report, open the 465-row audit log to see who reset which password, and check the teller day-close variances – without any risk that his session changes a figure.

Frequently Asked Questions

Does this make my credit union licensed, registered or compliant?

No – to all three. This is record-keeping software. It does not charter, license, register or audit a credit union, SACCO or co-operative society; it is not certified core banking software; it provides no deposit or share insurance and no prudential capital or liquidity compliance; it performs no AML, sanctions, PEP or watchlist screening (the KYC module stores documents your own staff verify); it connects to no credit bureau and computes no credit score; it moves no money over any payment rail – no ACH, SEPA, UPI, NEFT, wire, card or cheque clearing; and it is not accounting software certified for statutory filing. It gives no financial, legal or tax advice and guarantees no return. Licensing and compliance where you operate remain entirely yours.

Can I try it before buying?

Yes. The live demo above takes all eight seeded sign-ins. Sign in as the Teller and then as the Administrator and the role separation – which is the point of the product – is obvious within ten seconds.

What exactly do I download?

A single ZIP with Code.cs.txt, Index.txt and the user manual PDF. No installer, no add-on, no external service.

Where is my data stored?

In a Google Sheets file created inside your own Google Drive by the setup routine. NextGenTemplates never sees it. Passwords are stored as a salted SHA-256 digest with a per-user random salt; the plain text is never written to the spreadsheet.

Can I change the currency?

Yes. The seed is in USD because the demo society is; Settings > Finance holds the currency code, currency symbol and number format, and every screen and printout follows them.

How many members can it hold?

The seed is 420 members, 480 savings accounts and 4,172 ledger rows, and it is responsive at that size. Google Sheets and Apps Script quotas are the real ceiling – a society of a few thousand members is comfortable; tens of thousands is not what this is for.

Can I edit the code?

Yes, you own the two source files outright. If you would rather we changed something – your own modules, your own reports, your own branding – write to info@NextGenTemplates.Com.

About the Author

Built by PK – Microsoft Certified Professional with 15+ years of Excel, Google Sheets, and Power BI experience. Founder of NextGenTemplates, reaching 300K+ subscribers across YouTube channels. Every template is hand-built and tested before release.

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Get the Credit Union Member Management System Web App

One payment, your own Google account, your own data, and a book that reconciles. Open the live demo, sign in as any role, and if it does what your society needs, add it to your cart above. Credit Union Member Management System Web App

Last updated: 30 August 2026.