Banking that
works for you,
not the bank.
Savings, loans and mortgages, done properly. Trusted by more than 36,000 members across the UK.
Subject to status and affordability. Membership eligibility criteria apply.
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.
Explore savingsLoans
Borrow from £500 to £25,000 on straightforward terms, with no charge for repaying early.
Explore loansMortgages
From your first home to remortgaging, with personal support from a team that knows your name.
Explore mortgagesMortgages 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.
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
From more than 1,800 verified reviews on Smart Money People.
Finalist · Credit Union of the Year 2025 · Smart Money People
“Always a pleasure dealing with CCU. Advisors are very knowledgeable, helpful and friendly.”
“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.”
“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.”
Do it all from your phone
Your savings, loans and mortgage in one place, wherever you are. Free on iOS and Android.
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. Savings protected up to £120,000 by the FSCS.