Borrow and save with NHS Credit Union

Loans from £500 to £25,000 now starting at 3% APR.


Save with us and get access to better loan rates and other member benefits.


The NHS Credit Union offers a range of support services to its members.


The NHS Credit Union offers affordable loans and secure savings for thousands of health service employees and their families


Unlike high street banks, we are owned by our members and run solely for their benefit. Any employee of the NHS in Scotland or the north of England can join the NHS Credit Union – along with any member of family living in the same household. It’s easy to join.

  • Easy to Join
  • Payroll Deduction for savings and loans
  • Free Life Protection Scheme
  • Easy access to savings

Lifting Lockdown Loan extended!


We are delighted to announce that we are extending our popular Lifting Lockdown Loan until 31st October 2020. This new COVID-19 specific product was introduced on July 1st 2020 […]

Stay social with your NHS Credit Union

How we protect your money


Just like your high street banks and building societies, the money you deposit into your credit union account, up to £85,000, is protected under the Financial Services Compensation Scheme (FSCS). If you have a joint account you will be protected for £85,000 each.


FSCS protection is free to customers, so if anything happens to your bank, building society or credit union, and you cannot access your money, the FSCS will refund you up to the amount of £85,000.


For more information on how we protect your money please click here.

I just wanted to say how delighted I am with the services provided by the NHS Credit Union. I’m always telling folk they should join because it’s so easy to save money and apply for a loan if you need one


Janette Arkison, Ayrshire

Member of ABCUL

Authorised and Regulated by

Founder member of CFCFE

Your money is protected up to £85,000

Complies with the requirements of the Cyber Essentials Scheme

Member of GCofC

Member of SBRC

Healthy Culture Champion 2020