Borrow and save with NHS Credit Union

Loans from £250 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.

If you are thinking of applying for a loan but not sure how much to borrow and for how long, our useful loan calculator can help you to see how much you may be able to borrow and what your repayments could be.

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

Loan Calculator

 Benefits Calculator
Did you know?

Even if you are working, you may be eligible for extra support? Depending on your circumstances, you may be missing out on extra money, which could help relieve pressure on your finances. We are delighted to announce that our NHS Credit Union Members have exclusive access to the UNISON Benefits Calculator. Please follow the link below and check if you are eligible and how to claim.

Benefits Calculator

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.


Listen to Money Saving Expert Martin Lewis on 5 Live for insight into topics such as the current Cost of Living Crisis and more.

Click here to keep up to date.

What our members say:

Gwen Young
Had an account for many years. Also opened for my kids too. Great way to encourage saving. Great service and friendly staff.
Lynda Bathgate
Have been a member for a number of years now. Always had a great experience, staff helpful and requests always actioned quickly. There has been significant development of options for saving and accessing loans and these are helpful. It’s very easy to withdraw your savings or organise a loan and the money is quickly available!!!! Only thing I’d like to see is to make it easier it increase or add money to the savings account or direct debit. Sometimes I have a bit of spare money I’d like to add to my account and while it’s easy to withdraw I’d like the same option to add to the account!! Otherwise totally happy with the NHS Credit Union. Thanks
Lesley Maxwell
Excellent service, friendly helpful staff whenever you need to speak to someone. Some really good improvements over the past couple of years. Thanks
I have recently joined and wow I wish I had years ago .great supportive service treating us all as individuals .supportive staff and easy to talk to .Applied for my first loan ,easy to complete and communication .I would highly recommend x 👌👍
Mr George Watson
I have been using NHSCU for years and I have had a few loans from them and saved with them for over 10 years. I always have found the staff VERY helpful and friendly I am retired now and still save with them. I would highly recommend them. Allison

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

Healthy Culture Champion 2020