Supportive savings

Saving regularly can bring real peace of mind. Even a small amount set aside can make unexpected costs feel more manageable and give you a confidence boost. We’ve made it simple to put money aside in a way that fits around real life.

Open a savings account

How we make saving simple

There are a few ways to save with Wirral Credit Union. You can choose what suits you and change it at any time.

  • Payroll

    Save straight from your wages into your Wirral Credit Union savings account so it happens automatically each payday. Many members prefer this, as it removes the need to remember.

    Start saving

  • Standing Order

    Set up a regular payment from your bank account, with a minimum of £10 per month. If you’re unsure how to set this up, our team can help through your application process.

    Start saving

  • Child benefit

    Grow savings straight from your Child Benefit. Like with payroll, money is added to your Wirral Credit Union savings account before it reaches your bank account.

    Start saving

  • Cash deposits in our branches

    If you’d prefer to save in person, you can make cash deposits at either our Poulton Road or Laird Street branches, as often or as little as you’d like.

    Find a branch

Our savings accounts

  • Regular Saver

    Build savings steadily and become eligible for our lowest-rate loans once you’ve built up your pot. 

    • Save from £10 per month 
    • No fixed monthly maximum (within affordability) 
    • Maximum balance £45,000 
    • Save by Direct Debit or payroll deduction 
    • Savings protected up to £120,000 by the FSCS (Financial Services Compensation Scheme) 
    Learn more

  • Junior Saver

    Help your child build savings from an early age, with the account managed by you. 

    • For children from birth to age 16 
    • Save regularly or whenever you’re able to 
    • Money held in your child’s name 
    • Encourages early money habits 
    • Savings protected up to £120,000 by the FSCS (Financial Services Compensation Scheme) 
    Learn more

 Why save with us

  • Saving that fits around real life

    Saving a regular, affordable amount each week or month is one of the most effective ways to build a habit. Payroll saving means you don’t have to remember to move money each month. 

  • Save and borrow side by side

    All members save while repaying a loan, which helps to build a buffer for later on.

  • Local and not-for-profit

    We look after those who live and work across our common bond. Surplus is reinvested to support members and the wider community, and we aim to pay an annual dividend to eligible members. 

  • Support that’s human

    Members tell us they feel listened to and not judged. Our team can talk through your options and help you feel more confident with your money. 

  • FSCS protected

    Your savings are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS), just like with most high street banks. 

How saving works

  • 1

    Become a member

    You can join Wirral Credit Union if you live or work in a CH postcode area.  

  • 2

    Choose how you want to save

    Set up regular deposits or save through payroll if your employer offers it, so money is set aside from your wages automatically. 

  • 3

    Make your first deposit

    There’s a £10 initial deposit, which goes into your savings account. 

  • 4

    Grow your savings over time

    Once you’re a member, you can use your Wirral Credit Union savings to save regularly and apply for loans when you need them. 

Start saving today

Join online or speak to our team if you’d like help getting started opening your Wirral Credit Union savings account.

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