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 at record rates. At the start of this financial year, there was around 17,000 staff 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 organization. Admission to membership of the Credit Union is restricted to:


  1. Individuals currently in receipt of a continuing and regular payment arising from participation in the occupation of:
    1. Being currently in receipt of a continuing and regular contractual payment arising from participation in the provision of the public service of the NHS (or its successor organization as a result of contractual arrangements, tendering or outsourcing from NHS) in Scotland or in the North West, North East or Yorkshire and Humberside regions of England.
  2. Individuals otherwise associated with the individuals in 1) through:
    1. being in receipt of a pension as a result of following the occupation held by the above individuals or associated individuals
    2. providing trade union, credit union, social and welfare, ancillary or contracted services to the above individuals
  3. An individual who is a member of the same household as, and is a relative of, an individual who is a member of the credit union and falls directly within a common bond specified above.


Join us now with Nivo

It’s never been easier to join the NHS Credit Union, thanks to our partnership with secure messaging app Nivo.


A few wee taps on your smart phone could make a BIG difference to your financial health. And the Bank level of encryption means your data is safe and secure.


All you need to start the process is to download the Nivo app for your smart phone (either from the App store or from Google Play).


You also need your driving licence (or if you don’t have a licence, your passport), and your most recent payslip.


Please note that if your address differs on your licence and your payslip, you will need to provide another form of documentary evidence of address.


As long as you can take a screenshot of these documents on your smartphone, or tablet, your application will be under way within a matter of minutes.


If you want to join us in complete security – without filling in a lengthy application form – then download the Nivo app via the appropriate link below to your smartphone – and tap the NHS Credit Union link at the top of the page.


If you would prefer to join via the online application form, which will take longer to process – it can be accessed HERE

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 £3,000, 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