Banking that
belongs to you.

Savings, loans and mortgages from a UK team who know your name. Trusted by more than 36,000 members.

Subject to status and affordability. Membership eligibility criteria apply.

36,000+ Members
1989 Established
4.9 From 1,800+ reviews

Everything your money needs, in one place.

Three things, done thoughtfully, with people you can actually speak to.

Savings

Put your money to work with tax-free ISAs and regular saving, protected up to £120,000 by the FSCS.

All savings

Loans

Borrow from £500 to £25,000 on straightforward terms, with no charge for repaying early.

All loans

Mortgages

From your first home to remortgaging, with personal support from a team that knows your name.

All mortgages

Mortgages may carry arrangement fees, always disclosed upfront.

What you can count on.

People, not call centres

A UK team who answer the phone, know your name, and stay with you.

36,000+
Members across the UK
1989
Established

Straightforward by design

Clear terms shown upfront, with no surprise fees and no charge for repaying a loan early.

Protected and regulated

Authorised and regulated in the UK, with savings covered up to £120,000 by the FSCS.

Rated 4.9 out of 5 by our members

4.9 out of 5 From more than 1,800 verified reviews on Smart Money People
Been a member for 35 years. I use it to pay for our family holidays, it comes off my wages and after the first couple of months you don't miss it.
George, via Smart Money People
Always a pleasure dealing with CCU. Advisors are very knowledgeable, helpful and friendly.
Fran, via Smart Money People
I can always speak to someone helpful, and I like the ethics of this bank. I am 72 and appreciate the human being on the phone, which is always answered promptly.
Shirley, via Smart Money People
Finalist · Credit Union of the Year 2025 · Smart Money People Read the reviews , opens in a new tab

Do it all from your phone

Your savings, loans and mortgage in one place, wherever you are. Free on iOS and Android.

Transfers & payments
Balances & statements
Biometric login

A better home for your money.

Open an account in minutes. No monthly membership fees, and people you can call whenever you need them.

Subject to status and affordability. Membership eligibility criteria apply. Your home may be repossessed if you do not keep up repayments on your mortgage.