St Helens Credit Union is an organisation that provides straightforward, affordable financial services to a growing number of people in St Helens. Members of St Helens Credit Union make regular payments into a range of savings accounts - this fund then provides the basis for preferential rate loans. The income generated by lending helps us meet our operating expenses, build our reserves and pay our savers a dividend (subject to surplus and at the discretion of the Board of Directors).

What is a Credit Union?

A Credit Union is a non-profit making financial co-operative which offers a saving and low-interest service to it's members.

Joining St. Helens Credit Union

Our credit union lets people in the community come together to save ethically and to borrow money at competitive rates, and is operated on a not-for-profit basis, with surpluses being returned to members.

To join you need to live, work, volunteer or go to school/college in St Helens. Complete the application form below and visit us at our local office.You also need to bring original documentation to confirm your ID and address along with £2.00 for your membership fee and £1 for your Membership Share deposit.

Who runs Credit Unions?

Members are elected to run the Credit Union. All Credit Unions are registered in accordance with Credit Unions Act 1979 and the Industrial provident Societies Act 1965-1978. Credit Unions are required to be audited once a year and submit the accounts to it's members and the Government Registry

News & Events

31/03/2020 - Coronavirus

In light of the current situation we are reducing the office opening …

22/10/2012 - Applying for a loan

Anyone who has been saving regularly with us for at least 3 months …

28/04/2011 - I bought a car & made fantastic savings

I started to use the Credit Union’s service primarily as a way …

06/04/2011 - Credit Union celebrates 20 years of support

An organisation set up to give St Helens’ residents a fair system …

22/03/2011 - Happy to be a member

Moss Bank Milkman and charity marathon runner Robert Hill, who recently completed …