We offer a friendly and personal service with a range of accounts:

* Savings and Loans Account - providing a place where your savings can grow and the opportunity to borrow money at a fair rate of interest (currently 1% to 2% per month on the reducing balance - 12.7% to 26.8% APR).

* Additional Savings Account - if you want a separate place to keep savings that you are setting aside for a particular purpose.

* Bill Paying Budget Account - so you don't have to remember when to pay your regular bills.

* Young Saver Account - for young people from birth to age 16.

Other benefits

* Provided that we generate sufficient annual surplus, we are able to pay a dividend. On 30 September 2006, we paid a 1% dividend.

* Life insurance protection on savings and loans, at no extra cost. (Terms and conditions apply.)

* No bank charges - no arrangement fees - no small print.

* Free cheque cashing - for our members without bank current accounts.

* Your state benefits can be paid directly into your account.

* Everyone who saves becomes an owner of the Credit Union.

You can save or repay your loan:

* by standing order
* by payroll deduction
* by cash or cheque at a branch
* by sending a cheque or postal order to the credit union

All transactions are confidential and every volunteer who works in the Credit Union will treat all information as strictly confidential.

You can join the Credit Union and open a Savings and Loan Account at any of our branches.