Borrow and save with NHS Credit Union

Our loans

Our loans

Loans from £500 to £25,000 starting at 5.1% APR


Saving with us

Saving with us

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


Member Support

Member Support

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

What’s happening at your 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

Member of GCofC

Member of SBRC