Unity Trust Bank Colleagues : join your credit union!

Unity Trust Bank Colleagues can join The Co-op Credit Union to benefit from a simple and ethical way to save or borrow, directly from payroll.

Membership is free and gives access to savings and loans- and much more!

Save from just £10/month and watch your savings grow. We also offer a range of member benefits, offers, prize draws and support with financial wellbeing.

Looking for a loan? you can access fair, affordable and competitive rates on loans – just for co-op people like you. Loans for any purpose, from Christmas loans, holiday loans, home improvement loans to car loans.

We’re also here if you need help with getting on top of debts. Our consolidation loans have helped many members get back on track and save money on their repayments with other lenders.

Join or Join & Borrow today & start saving!

How you could benefit:

  • It’s a simple – and highly effective -way to save. Payments are taken directly from your payroll when you get paid so you don’t need to remember. You can access your savings at any time
  • If you’d like to borrow, we offer loans from £50 to £15,000 at competitive rates. Spread the cost of holidays, home improvements, a new car, household appliances or other expenses
  • Consolidate debts from credit cards, overdrafts or other lenders into one affordable monthly payment, potentially saving you money
  • Payments are taken directly from payroll so you’ll never miss an instalment
  • No hidden fees or early resettlement penalties

How it works

• Because we’re a co-op and don’t have outside shareholders to satisfy, we’re able to pass on affordable loan rates to our members – quite simply, we’re run by members, for the benefit of our members
• You can take a look at example loan rates on our loans calculator
• In addition to loan repayments, all members must save a minimum of £10/month, which is taken directly from your payroll
• This means you build up savings even when you’re repaying a loan, and savings quickly mount up
• Note: All membership and loan applications are subject to approval.

The Co-op Credit Union uses an online service, which meets the requirements of anti-money laundering legislation, allowing us to verify the identity of new members. If you would rather not be checked electronically you can still send documentation. Please ask for details. If we cannot find out enough information about you, we reserve the right to ask for documentation.

Loans are subject to our lending policy and affordability checks. Minimum term of loan – 1 week. Maximum term of loan – 5 years. Minimum APR 11.8% Maximum APR 35%. Please see our terms and conditions and privacy policy for details on the use of your personal information by ourselves and credit reference agencies.