A staff benefit that costs you nothing to give.
Payroll Savings lets your team save straight from their pay and reach fair, ethical lending as an alternative to high-cost credit. It is free to set up, simple to run, and a genuine benefit your people will actually use.
Why employers partner with us
- Free to the employer No setup fees and no running costs.
- A real wellbeing benefit Saving from pay, plus fair lending your staff will use.
- Simple to run We do the heavy lifting, with minimal admin for your team.
A few of the employers already on board
+ 85 more
A benefit your staff will feel
Payroll Savings gives your team a simple way to build a financial safety net, and a fairer place to borrow when they need to. Here is what your people get.
Effortless saving
Contributions come straight from wages before payday, with easy access to the money whenever it is needed.
Fair finance, not high-cost credit
A responsible alternative to payday lenders. Personal loans and more at fair rates.
A helping hand
Support to build or repair a credit record, and a hand through the tougher times, from a lender that is on their side.
Loan protection included
Complimentary Loan Protection Insurance on eligible borrowing. Subject to eligibility and policy terms. View full details.
Transparent banking
Clear fee structures and no hidden charges. As a member-owned credit union, we work for our members, not shareholders.
Money that does good
Profits are reinvested and communities across Scotland benefit, so everyday saving supports a wider good.
Why become an employer partner
Financial wellbeing is good for your people, and good for your organisation.
A motivated, productive team
Staff who feel valued are more committed. A meaningful benefit helps you retain good people and attract new ones, and lower financial stress is linked to reduced absence.
Financial education
Our Money Guiders help your employees build financial resilience, from budgeting to borrowing well, at no cost to you.
A reputational advantage
Partnering with a community-owned credit union marks you out as a fair and ethical employer, and supports local causes your people care about.
Up and running in four steps
Becoming a partner is quick. We handle the setup and most of the running; your payroll team just adds the deductions to their normal payroll run. Here is what to expect.
Get in touch
Tell us about your organisation. A short conversation is all it takes to get started.
We set it up
We handle the setup and give your payroll team simple instructions. There is no cost to you.
Your staff join
Employees apply online in minutes and choose how much to save from each payslip.
It runs quietly
We manage memberships, savings and any lending; your payroll team applies the deductions each pay run. A benefit your people value, with only light admin for you.
Twenty years alongside Scotmid
Two cooperatives with shared values. Hear how payroll savings helps Scotmid support their colleagues through the moments that matter.
For over twenty years, Scotmid and Capital Credit Union have worked together in bolstering employees' financial wellbeing through payroll savings. This enduring partnership is a testament to our shared values and unwavering community focus.
Karen Scott, Chief Executive, Scotmid
Is your organisation already a partner?
We work with more than 90 employers across Scotland, large and small. Search below to see whether your workplace already offers Payroll Savings.
Give your team a benefit that works.
It is free to set up, simple to run, and genuinely good for your people. Have a chat with our partnerships team and we will take care of the rest.
Or email cthomson@capitalcreditunion.com to set up a partnership.