| CREDITUNION | A cooperative association whose members can obtain low-interest loans out of their combined savings (6,5) |
| EFTA | European trade association whose members include Norway and Iceland (4) |
| SPECIES | Taxonomic group whose members can interbreed (7) |
| INTEREST | What is to be paid on loan, out of curiosity? |
| LEND | Loan out of splendour (4) |
| AHL | Sports association whose teams include the Manitoba Moose and the Rockford IceHogs, for short |
| GILTS | UK government fixed-interest loan securities |
| TEAM | Old English for "childbearing" that came to mean a brood or litter; a set of draught animals working together; hence, a cooperative unit of players, forming one side in a game/sport (4) |
| ONDINE | According to Paracelsus, a water spirit that can obtain a human soul by bearing a child to a human husband (6) |
| ADMIRAL | I'm right! A lad can obtain a high rank! (7) |
| SOFA | It's the piece of furniture a few family members can sit on while enjoying the fireplace together |
| SHIBBOLETH | The criterion or catchphrase of a group, party or sect by which members can be identified (10) |
| BTS | K-pop band taking a hiatus so that its members can do military service |
| COOPER | The line of a cooperative monarch (6) |
| SALON | Loans out for a hairdressers (5) |
| EGO | It may stand in the way of a cooperative effort |
| BLENDER | Original birdbrain - one who loans out a kitchen utensil (7) |
| TEAMMATE | Fellow-member of a cooperative unit |
| ROBERTOWEN | Welsh reformer who established a cooperative industrial community at New Lanark |
| GOLFCLUB | Sandwich, say? Members can have a round here (4,4) |
