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Serve and Protect Credit Union

Save Automatically. Borrow Responsibly.

Experience a better way to manage your money with automatic deductions from your pay, backed by a member-owned credit union dedicated to supporting those who serve and protect.

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Ministry of Defence logo
Metropolitan Police Service logo
London Fire Brigade
HM Prison & Probation Service logo
British Army logo
Merseyside Police logo
Nottingham University Hospitals logo
Royal Navy logo
National Crime Agency
North East Ambulance Service NHS Foundation Trust
West Midlands Police logo
Royal Air Force logo
Tees, Esk and Wear Valleys NHS Foundation Trust
Northumbria Police logo
Hertfordshire Constabulary logo
South Tyneside and Sunderland NHS Foundation Trust logo
Hampshire Constabulary
Royal Devon University Healthcare NHS Foundation Trust
North Wales Fire and Rescue Service
Dorset County Hospital NHS Foundation Trust logo
National Fire Chiefs Council
Devon & Cornwall Constabulary logo
Cleveland Police Force logo
Cleveland Fire Brigade logo
Avon & Somerset Constabulary logo
Somerset NHS Foundation Trust logo
Scottish Prison Service logo
Calderdale and Huddersfield NHS Foundation Trust

Dedicated to You - Serve and Protect Credit Union

At Serve and Protect Credit Union, we’re proud to support employees across the police, prison, military, fire and health services. As a member-owned financial cooperative, 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.

Join Our Community

Why Choose Serve and Protect Credit Union

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.

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Serve and Protect Credit Union - Savings

Saving Made Simple

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:

Regular Saver

Build your savings consistently with regular deposits and a competitive dividend.

Cash ISA

Grow your savings tax-free with a fixed interest rate.

Fixed Saver

Lock in your savings for guaranteed interest returns.

Prize Saver

Save while enjoying opportunities to win prizes.

Junior Saver

Save on behalf of your children or grandchildren for a secure future.

Flexi Saver

Flexible, easy-access savings with the option to add lump sums anytime.

Serve and Protect Credit Union - Loans

Our Flexible 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.

Personal Loan

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.

Top Up Loan

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.

Don’t just take our word for it

See what our members have to say

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Feefo Platinum Trusted Service Aware logo for 2023
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Mark

Royal Navy

Cannot rate it highly enough

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.

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Ashley

British Army

10 out of 10 as always

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.

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Jack

British Army

People for the People

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.

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Kevin

British Army

Without a doubt, I would recommend this service

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.

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Phil

Devon & Cornwall Police

This organisation is a ‘must’!

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?

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Tracy

Merseyside Police

Gone above and beyond for me over the years!

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!

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Roy

Staffordshire Police

Savings and loans could not be easier

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.

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Rik

West Midlands Police

It really is a ‘No Brainer’

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!

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David

Essex Police

I’ve really enjoyed saving with Serve and Protect

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.

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Mike

Northumbria Police

Makes it easy to save

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.

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Peter

Avon & Somerset Constabulary

I have always enjoyed excellent service

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!

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Bryan

Avon & Somerset Constabulary

There are no hidden catches, just big benefits

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.

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Mick

West Midlands Police

The credit union is a great ‘friend’

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!

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John

Merseyside Police

It has helped my own family when they needed assistance

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.

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Allen

Merseyside Police

It’s perfect

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.

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Phil

Devon & Cornwall Police

This organisation is a ‘must’!

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?

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Nikki

Sussex Police

The credit union are there for us all

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.

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Chris

West Midlands Police

I’ve matured into a responsible saver

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!

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Darren

Cleveland Fire Brigade

Couldn't be happier

Everything went smoothly, no hidden fees, awkward application or unjustified interest rates. In fact I was offered better interest rates than any other mainstream lender! I will not look past serve and protect for any future finance or saving needs. I’d recommend to any of my friends and family.

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Important Information

We are currently assessing a high volume of loan applications. Thank you for your patience and understanding as we work to assist you as quickly as possible.

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Bank Holiday Hours

Please Note: We will be closed on Monday 5th May for the Early May Bank Holiday. Any transactions made after 2pm on Friday 2nd May will be processed on Tuesday 6th May. We appreciate your understanding.