Benefits of the NHS Credit Union

We help care for the financial health of members across Scotland and the north of England and our membership is growing rapidly. At the start of this financial year, around 18,500 staff were already enjoying the benefits of being part of our financial family.


And you can join in a matter of minutes by clicking the “Join Now” tab above.


We offer our members a secure home for savings, affordable, ethical loans …and a whole lot more.


Two of our most popular benefits are Payroll Deduction and Free Life Savings and Loan Protection, which can help you save and protect your family’s future. Check them out by clicking the tabs above.


Membership is open to NHS Employees in Scotland, North England (North East, North West and Yorkshire & Humberside) and their families living at the same address. More detailed information can be found under the “Eligibility” tab above. If you are at all unsure about your eligibility to join the NHS Credit Union, please telephone the office on 0141-445-0022 BEFORE you complete the online application form.


Once you’ve checked your eligibility, please read our privacy policy and terms and conditions? (All applicants must confirm that they have read these documents and agree to abide by them.)

Are you eligible to join the NHS Credit Union?


The Common Bond of the NHS Credit Union determines who can become a member of the organisation.


Under the terms of the Common Bond, membership is open to people living or working in Scotland (or the North West, North East or Yorkshire and Humberside regions of England) who are:


  • Employed by the NHS or successor organisations
  • Providing regular contractual services to the NHS
  • Employed in the Care or Third Sector organisations funded through the NHS
  • Receiving a pension from being employed in one of the categories above
  • A relative living in the same household as a member of the NHS credit union


If you are unsure if you fall within our common bond, please contact the office on 0141 445 0022, to find out if you are eligible to join our Credit Union.


Lifetime Membership;


Once you are a member of the NHS Credit Union you have a lifetime membership. By paying as little as £5 per month this will keep your account open even if you leave your job or retire you can still experience the benefit of saving with us

Application Process

How do I apply to join the NHS Credit Union?


1. Download our secure & bank encrypted messaging App NIVO – this can be found on Google Play OR Apple Store


You can also download our Nivo app by clicking on the link below.






OR   2. Complete our online application form – which can be found HERE


What documents will I need before I start my application?


1. Driver’s licence or Passport


2. Most recent payslip


3. Evidence of address (You will only need this if your driver’s licence address differs from your address on your payslip)



*Note: If you use Nivo you can take a screenshot of these documents on your smartphone or tablet.

Payroll Deduction

Most of our members can easily enjoy the advantages of our payroll deduction scheme and save directly from their salaries into their credit union account.


How do you save through Payroll?


  • Once you’ve completed your online membership application form, we’ll send you out a payroll deduction form which you just need to fill in and sign and post back to us in the SAE we will supply.
  • We and your payroll department will do the rest – arranging for the nominated amount you would like to save each month to be deducted directly from your salary, and credited to an account of your choice.


Are there any other benefits?


  • Change the amounts you allocate to each savings account at any time.
  • Use Payroll to pay into a number of accounts e.g. Christmas Savings, Junior Savings with one single deduction.
  • Repay any loans you have with us through Payroll.

Free Life Savings and Loan Protection Scheme

As a member of the NHS Credit Union you have access to a unique protection provided by credit unions for the family of members in the event of bereavement – the Free Life Savings and Loan Protection Scheme* – which give extra peace of mind for members and their families at no extra cost.


The scheme is designed to reward a member’s family for their commitment to save and provide them with financial support when they most need it.


How does it work?


  • Our Life Savings Protection means that in the event of a member’s death, their family will be provided with a single lump sum payment (applicable rates/amounts covered are those prevalent at the date of deposit).
  • With Life Savings Protection, the value of this payment is directly linked to a member’s savings, so the more they save, the higher the payment. Up to a maximum of £5,000, every £1 in savings can be matched by £1 of benefit.
  • Our Loan Protection scheme means that if a member dies, their NHS Credit Union debt (up to a maximum of £15,000) can be paid off*


*Terms and Conditions apply – Terms of these free member benefits may change from time to time.


Important note – Individual members do NOT have an insurance policy – they share in a free benefit offered by the credit union

Member of ABCUL

Authorised and Regulated by

Founder member of CFCFE

Your money is protected up to £85,000

Member of GCofC

Member of SBRC