Prepare for the future. Start saving today.

Deductions straight from your Police pay. Minimum savings £10 per month. FREE to join. Close at anytime. Quick and easy access to withdrawals Life cover at no extra cost*

Regular Saver

To join the Credit Union every member must save a minimum of £10 per month into the Regular Saver. It is completely free to join and you can change the amount you save at anytime.

Become a member today for FREE

  • Opening a Regular Savings Account gives you membership to the credit union.
  • Membership entitles you to open other savings accounts and apply for a loan, if you’re aged 18 or over.
  • Life Cover (at no extra cost), doubles your savings balance (up to a member maximum of £25,000) in the event of a claim.
  • Membership is open to the armed forces, veterans (in receipt of a pension), serving or retired police and prison officers, serving police and prison staff and any family member living at the same address as the main member.
  • Minimum savings £10 per month

  • Easy access with no notice or penalty

  • Simple saving through payroll deduction or direct debit

  • Flexibility to change your savings amount when required by contacting our team

  • Life cover at no extra cost up to age 65 (conditions apply)

  • Receive a return in the form of an annual dividend

  • Maximum monthly savings £1,000

Junior Saver

The Junior Saver helps your family prepare for the future. Any children or grandchildren living at the same address as an existing member are entitled to join and start saving.

An account that grows up fast

  • Receive a return on your Junior Savings Account.
  • The annual return is paid gross, without tax deducted.
  • If there is a liability to tax, it is the responsibility of the adult member operating the account.
  • At 18 years of age, the account is automatically changed into a main savings account (subject to ID requirements), with its own conditions, under the control of the named account holder.
  • A healthy start

    Help to give a young person a sound start in life

  • Plan from an early age

    For that first car, year out, university

  • Start small

    Open an account with as little as £10

  • Easy to save

    By occasional lump sums or regular deduction via pay or Direct Debit

  • Annual return paid gross

    Without tax deducted at same rate as adult dividend

  • Not for profit mutual

    Exclusively for the protective services

  • Time flies!

    The perfect place to save gifted money from birthdays and Christmas

  • Quick & free access

    No notice or penalty for withdrawal

Cash ISA

Please note

Members are advised that we are currently not offering new ISA accounts. If you already hold an ISA with us we have already written to you with changes to our ISA conditions.

Our existing Cash ISA holders are entitled to benefits such as:

  • Tax free saving

    Ideal for the taxpayer, even outside the Personal Tax Allowance

  • Life cover at no extra cost

    To double savings (of up to a total PCU saving of £25,000 per member) in event of a claim

  • Dividend calculated daily

    And credited to account annually in April

  • Access to savings without penalty

    No transfer out fees

The Police Credit Union is a member of the Financial Services Compensation Scheme. The Scheme guarantees to pay 100% of a maximum £85,000 should the Credit Union fail.

Police Credit Union is part of the Financial Ombudsman Scheme.