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Prison Service Credit Union

A Trusted Prison Service Credit Union to Support You

Join a credit union dedicated to supporting prison officers, probation officers, support staff and their families, helping members access ethical savings and affordable loans.

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A Credit Union that Understands Your Role

Working in the prison and probation service comes with unique challenges. You deserve a financial partner that truly understands your career, your commitment, and your goals. For over 10 years, our credit union has proudly supported people like you – prison officers, probation officers and support staff. With payroll partnerships with both HM Prison & Probation Service and the Scottish Prison Service, we’re here to make saving and borrowing easier for you.

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Why Join Our Prison Service Credit Union?

Flexible Savings

Whether you’re saving for a rainy day or planning a big milestone, our savings accounts make it easy to build up funds your way. Enjoy the reassurance of secure, regular savings with the flexibility to withdraw when you need.

Affordable Loans

We offer straightforward loans that fit around your circumstances, not just your credit score. With flexible repayment terms and no hidden fees, you can borrow with confidence knowing we’ve got your back.

Salary Deduction

Managing your money should be simple. Many of our members save and borrow through salary deduction—meaning less hassle and greater peace of mind.

Member First

We’re a credit union run by and for our members. That means service that listens, and decisions that put your interests first. Every member can have their say and share in our success.

Back of prison officer who is a member of a prison service credit union
Back of prison officer who is a member of a prison service credit union
Back of prison officer who is a member of a prison service credit union
Can I Join?

To become a member, you need to be one of the following:

  • you work for HM Prison & Probation Service
  • you work for the Scottish Prison Service
  • you work for the Prison Officers' Association
  • you are currently working in a private prison
  • you are a family member of an existing member

If you are not part of the prison and probation service, you may still be able to join us if you fit into our field of membership.

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Join thousands of other members who Serve and Protect our nation!

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Here's What Our Members Say

We’re proud to have earned thousands of reviews on Feefo, reflecting the trust of our community of over 54,000 members.

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Feefo Platinum Trusted Service Aware logo for 2023
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Lewis

HM Prison & Probation Service

Amazing, I can’t recommend you all enough

You are all amazing. You have helped me and my family out so much. Because of you, I can now re-mortgage and get a cheaper deal. It was quick and easy.

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Trusted Member

Scottish Prison Service

Easy, Fast and Friendly Service

I needed a loan for an expensive car repair. When I called to enquire if I was eligible for a top up my loan, the staff member was so friendly and knowledgeable. The fast, friendly service made the world of difference.
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Trusted Member

HM Prison & Probation Service

Treat you like a person

Needed a loan to consolidate credit card debts and some extra cash for Christmas. My credit score is atrocious, however, this was not even mentioned and I was approved quickly. It’s nice to be treated with respect and not as a number.
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Trusted Member

HM Prison & Probation Service

Happy customer

Professional, efficient and no complications. I like the way it’s arranged based on salary and taken direct from source.
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Jaydon

HM Prison & Probation Service

Great People

Brilliant service. Genuine people who want to help you in tough times. Couldn’t of been better. Got approved for a loan even though I have only worked in the job for three months.
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Jonathan

HM Prison & Probation Service

Fantastic service

Fantastic service. No matter who you speak to they go that extra mile to help. Couldn’t be happier. Thank you.
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Emerson

Prison Officers' Association

Great way to save money

I have been a member of Serve and Protect for a number of years I always found it an excellent way to save money and when I needed they were there for me. Thanks a bunch!
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Trusted Member

HM Prison & Probation Service

Quick and easy. Legends!

Fantastic customer service. Quick and to the point with little confusion. Credit builder loan was perfect for my situation and will look to use the service again if needed in the future.
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Trusted Member

Scottish Prison Service

Hassle free loan

This is probably the fourth time I have used Serve and Protect Credit Union and its always been the easiest and most hassle free loan I have had.
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Trusted Member

HM Prison & Probation Service

Impeccable

Professionally completed all background checks and paperwork on applicants and kept me informed at every step. The loan has already put my mind at ease, and stopped me wasting money on high interest rates!
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Hollie

HM Prison & Probation Service

Highly recommend!!

Brilliant service, nice quick process! A lot of stress has been relieved knowing my debts are sorted and I’m clearing this via my payslip! Thanks so much.
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Kerry

HM Prison & Probation Service

Quick, respectful and non-judgemental

Serve and Protect Credit Union responded quickly to my application for a loan. There was no judgement that I needed the money for a hot tub, either. In fact, I have fibromyalgia, which is why I need one. They couldn’t lend me the full amount, but this showed me that they are responsible lenders.
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Trusted Member

HM Prison & Probation Service

Would recommend!

Excellent service and communication, everything was dealt with in an efficient and professional manner. Helped me to get the car I wanted and needed, thank-you very much for your speed and support during the loan process.

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Karen

HM Prison & Probation Service

Staff always kind & helpful

I am relocating to another jail and I had to pay 6 months rent up front. Serve and Protect didn’t hesitate to help me out. Cannot recommend this company enough. Thank you.
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Trusted Member

HM Prison & Probation Service

Absolutely brilliant

Managed to pay off all of my other credit commitments and I now have one very affordable payment which I don’t even notice as it goes out of my wages before it even hits my bank account each month.
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James

Prison Officers' Association

They really went the extra mile

Superb, professional and plenty of patience, they really went the extra mile. The loan will get me over a temporary cash shortfall, without costing the earth.
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Trusted Member

Scottish Prison Service

Very straight forward process

Very straight forward process and communication was excellent. Stress free application and made feel valued as always. Will allow me to finish my renovation.

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Trusted Member

HM Prison & Probation Service

Swift decision and good communication

I was very impressed. Very swift decision and good communication in time. The best financial service I have ever received. Kudos.

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Amanda

Prison Officers' Association

Prompt and Professional

I have consolidated my debt and know now I have one payment, which has streamlined my finances. The whole experience from start to finish was smooth and efficient.

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Trusted Member

Scottish Prison Service

First class personal service throughout

A very individual service as my financial situation was slightly complicated but it wasn’t a problem. They took the time to understand it subsequently were able to offer me the loan.

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Trusted Member

HM Prison & Probation Service

Good job from the loans team

The loan team were very helpful with the application process and feedback on when payment would be made. A great team performance, keep it up.

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Trusted Member

Scottish Prison Service

Quick and easy

The service I received from the team was very helpful, they gave me information throughout the process and made it quick and easy.

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Sarah

HM Prison & Probation Service

They are always happy to help

I have been a member of Serve and Protect for some time now. Every query I have had has been dealt with quickly and professionally, and they are always happy to help where they can.

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Trusted Member

HM Prison & Probation Service

Very efficient and non-judgemental

I thought the service was very efficient and non-judgemental. They actually listened to the reason why I wanted the loan, unlike a lot of loan companies that just want to see your credit score.

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Trusted Member

Scottish Prison Service

Painless process

The loan meant I could enjoy a great family holiday without worrying about money. The whole process was quick and easy. Between the initial enquiry about a loan to the money going into my account, it was a seamless process.

Frequently Asked Questions

Absolutely! If you’re part of HM Prison & Probation Service or the Scottish Prison Service, you have the option to save and borrow conveniently through salary deductions.

Great news! You can still join our credit union even if you work in a private prison. Enjoy the convenience of saving and borrowing through direct debit. We’re here to help you every step of the way!

Absolutely! You have the option to save and borrow, with repayment conveniently deducted from your salary. It’s a great way to manage your finances and make the most of your income.

You can still become a member as long as you do so before leaving your employer. Once you’ve joined, you’ll have the opportunity to remain a member for life. We look forward to having you as part of our community!

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Check out who else we serve

Family Members
NHS & Private Healthcare
Fire & Rescue Services
Armed Forces Community
Police & Law Enforcement
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Notice: Scheduled Maintenance

Our app and online access will be unavailable for 2 hours on Sunday, June 8, from 4:00 AM to 6:00 AM, as we work on scheduled upgrades to make things faster and smoother for you. We apologise for any inconvenience this may cause.