Your membership
Being a member of Wirral Credit Union means saving and borrowing with a local organisation that’s here for the long term.
You’re part of a credit union that’s not-for-profit, where money is kept within the community and support is always available if you need it.
What being a member means
Many of our members have been with us for years. They save often and know there’s somewhere to turn if things get tight.
Members tell us they like that the money goes into savings automatically, so they build up a balance without feeling the squeeze each month. They value speaking to staff who know them and take time to explain things. We always make sure our members are treated like a person, not another number.
Many say that having their savings grow alongside loan repayments has helped them plan ahead or handle unexpected costs.
Saving
You can save in a way that suits you. Many of our members choose to add small amounts regularly to build their savings pot.
Borrowing
If you need to borrow, repayments are agreed with you after applying. As you repay, you can continue growing your savings.
Ongoing support
You can get in touch with our team if you’re unsure. There are also tools and guides you can use to help with everyday money decisions.
Download our mobile app
You can manage your Wirral Credit Union account on the go using our mobile app.
From the app, you can:
- Check your balance
- View transactions
- Manage your savings
- Keep track of any loans you have
If you’re struggling with repayments
If something changes, and you’re finding it difficult to keep up with repayments, please speak to us as soon as you can.
Our team can look at your situation and talk through the options with you. The sooner we know, the more we can help.
You can call us on 0151 638 4332 or email us at members@wirralcu.org.uk, and we’ll work with you to find a way forward.
Your money is protected
Your savings are protected up to £120,000 by the Financial Services Compensation Team (FSCS). The FSCS is free and automatic and gives people protection on deposits such as savings accounts and cash ISAs.
More information is available at https://www.fscs.org.uk/what-we-cover/
Complaints
If you’re unhappy with any part of our service, we want to know.
Please contact us first so we can try to resolve things quickly.
If we’re unable to resolve your complaint, you can refer it to the Financial Ombudsman Service.
More information is available at https://www.financial-ombudsman.org.uk/
Ready to join?
See how to join Wirral Credit Union
Regulatory information
Wirral Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration No. 213437