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About Us
Experience a better way to manage your money with automatic deductions from your pay, with a not-for-profit financial cooperative dedicated to supporting those who serve and protect.
At Serve and Protect Credit Union, we’re proud to support employees across the police, prison, military, fire and health services. Our goal is to help you save easily and borrow responsibly through simple deductions from your pay.
We put people before profits, so when you join us, you’re joining a community that truly cares about improving your financial resilience. Because as you grow, we grow too – together.
As a credit union built for those who Serve and Protect, we offer more than just a financial institution. Everything we do is built around your needs, not shareholder returns.
Member-Owned
As a credit union, we’re owned by the people we serve – so every decision puts our members’ needs first.
Automatic Deductions
Savings and repaying loans is effortless with deductions taken direct from your salary – helping your stay on track without the hassle.
If your employer is not signed up, deductions can be made via direct debit.
People Helping People
When you save with us, you’re not just preparing for your future – you’re also making it possible for fellow members to access affordable loans when they need support.
Join a Community
Join thousands of others who share your values. At Serve and Protect, you’re not just a member – you’re part of something bigger.
Serve and Protect Credit Union - Savings
Serve and Protect offer a range of savings accounts, so you can get the one that’s right for your needs. Our savings accounts include:
Serve and Protect Credit Union - Loans
Serve and Protect personal loans allow members to access up to £25,000, with no early repayment penalties and no hidden fees, and interest calculated on reducing balance.
Looking for a smarter way to manage repayments? Serve and Protect Credit Union offers fair and simple payroll loans, enabling employees in the health, police, prison, fire, and military services to repay directly through their salary. Enjoy ease, transparency, and benefits like free life cover and no early repayment penalties.
Discover the benefits of Serve and Protect loans, crafted just for members. With low rates, flexible terms, and personalised support, these loans are here to help with your financial needs.
See what our members have to say
Fantastic service, the process is swift and easy. I felt I was considered as a person and not an automated score. I am proud to be a member.
Serve and Protect have been brilliant since I opened an account. I applied for a second loan while overseas and they made this very easy. Thank you for everything I now live a better life.
The most helpful team I’ve ever come across – people for the people type. I had no trouble whatsoever and it’s a really easy process. I’ll recommend it to anyone.
Where can I start, not only is this company very professional, but it also has a wonderful lending team that provide such good customer service and are always happy to help you, in any way! l recommend these guys to anyone looking for a loan or to settle debt.
A fantastic organisation with an excellent team, making it easy for you to save, borrow, and manage your finances. Specifically tailored to the Emergency Services, this organisation is a ‘must’! Go on, what are you waiting for?
I’ve been a member for 27 years and have always been more than happy with the service I’ve received. Friendly, helpful, and have gone above and beyond for me over the years!
I have been a member for many years, since the early days of the credit union. Savings and loans could not be easier. Staff are always helpful and prompt to respond to questions.
Not-for-profit means MORE money in interest on savings and LESS interest on loans. It really is a ‘No Brainer’. Credit unions are better for the customer than banks!
I’ve really enjoyed saving with Serve and Protect. I don’t notice the regular contributions from my salary, but they build up so quickly and create a significant savings pot I can use for unexpected things that always crop up in life. And it’s good to know that I’m part of a bigger community which I hope means I’m helping others in a small way. It’s reassuring to know it goes both ways and they’re there for me I need them too.
Serve and Protect Credit Union makes it easy to save, with no risk, but good rewards with a yearly dividend paid to all members. It makes you feel valued and part of a family by looking after you and your money. With lots of competition for your savings, that really does give you peace of mind.
I have been a member of this credit union for many years and I have always enjoyed excellent service, both as a saver and borrower. I would recommend it to anyone eligible to join!
I have been a member now for over 30 years. My savings are taken from my salary which makes it easier. I have had numerous loans over the years when I needed bailing out. Joining is a ‘No Brainer’. Just do yourself a favour and join. There are no hidden catches, just big benefits.
Easy to save. Easy to withdraw savings. Easy to apply for a loan. The credit union is a great ‘friend’, especially when the going gets tough, they’re there for you!
I have been a member for many years and used the facility to save and borrow. It has helped my own family when they needed assistance instead of going to banks and paying lots of interest. I am also happy knowing the money I save is there to help other people as well.
I really love how easily (and painless) Serve and Protect make it to save. I just put a little aside so I’ve got cash to spend at Christmas and it’s perfect. I also like the fact it’s our credit union and my savings help support that.
A fantastic organisation with an excellent team, making it easy for you to save, borrow, and manage your finances. Specifically tailored to the Emergency Services, this organisation is a ‘must’! Go on, what are you waiting for?
I was a struggling, single parent with no great credit at the time and in a few clicks Serve and Protect helped me get back on track. No quibble, no negative impact. That was nearly 10 years ago. Still have my little savings account and a positive credit score. The credit union are there for us all.
Since this great organisation started, I have been a member. Before this I had always been a poor saver, living in a permanent bank overdraft and a limited financial future. With the help of Serve and Protect, I’ve matured into a responsible saver, who enjoys the smugness of paying off a loan early!
