Serve and Protect Credit Union

Here to help you save, there if you need to borrow

Serve and Protect Credit Union is here to help our members improve their financial resilience. Join today to save, borrow, and prepare.

Here to Help You

Serve and Protect Credit Union is a not-for-profit organisation designed to help people in the police, prison, military, fire, and health services save money for their financial future and be there if they need to borrow throughout their career and beyond.

We work with employers to make it as easy as possible for their employees to reach their financial goals via a range of savings accounts and personal loans.

Save With Deductions From Your Salary

Our innovative saving solution makes saving for your future as easy as possible. With savings taken directly from your salary, you’ll have peace of mind in knowing that your savings account is growing in the background. We also allow for loans to be repaid directly from your salary, too.

Ethical Saving

As a not-for-profit, member-owned cooperative, our innovative saving solutions are designed to help everyone. By using our services, you’ll also be helping colleagues and other members reach their own financial goals.

Exclusive

Our products are only available to our members, as we play our part to improve the financial resilience of the Serve and Protect family.

Save

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

As the name suggests, this is an easy access savings account designed to help all our members save regularly.

Cash ISA

Maximise your savings with our Cash ISA. Enjoy the benefit of tax-free returns whilst helping supporting the community.

Fixed Saver

Our fixed rate saver account enables you to earn a guaranteed savings return over a set period of time.

Prize Saver

If you want to make even more from your savings, our prize saver enables you the chance to win cash prizes every month.

Junior Saver

It’s never too soon to start saving and our junior saver enables you to save on behalf of your children / grandchildren living at your address.

Flexi Saver

We know plans can change which is why our flexi saver is ideal if you want to save additional amounts, but access your money when needed.

Borrow

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

Borrow up to £25,000 safely, securely, and simply.

Top Up Loan

Already have a loan with us? Use our top-up loans to access more cash.

Getting Started

It’s easy to join the Serve and Protect Family

Click 'Get Started'

Click 'Join'

Choose Your Service

Complete Application

Click 'Get Started'

Click 'Join and Borrow'

Choose Your Service

Complete Application

Don’t just take our word for it

See what our members have to say

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.

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.

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.

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.

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?

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!

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.

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!

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.

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.

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!

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.

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!

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.

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.

Phil

Devon & Cornwall Police

This organisation is a ‘must’!

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.

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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Saving Accounts

Here to help you save

Reach your savings goals

There if you need to borrow

Personal Loan

Top up Loan

Use our loan calculator

Police & Law Enforcement

Prison & Probation

Armed Forces Community

Fire & Rescue Services

NHS & Private Healthcare

Family Members

Resources

Resources

Budget Planner

Community

Friends of Serve and Protect

About

Download Our Mobile App

Serve and Protect Credit Union

Here to help you save, there if you need to borrow

Here to Help You

Saving Made Simple

Our Flexible Loans

It’s easy to join the Serve and Protect Family

Click 'Get Started'

Click 'Join'

Choose Your Service

Complete Application

Click 'Get Started'

Click 'Join and Borrow'

Choose Your Service

Complete Application

Don’t just take our word for it

Mark

Royal Navy

Cannot rate it highly enough

Ashley

British Army

10 out of 10 as always

Jack

British Army

People for the People

Kevin

British Army

Without a doubt, I would recommend this service

Phil

Devon & Cornwall Police

This organisation is a ‘must’!

Tracy

Merseyside Police

Gone above and beyond for me over the years!

Roy

Staffordshire Police

Savings and loans could not be easier

Rik

West Midlands Police

It really is a ‘No Brainer’

David

Essex Police

I’ve really enjoyed saving with Serve and Protect

Mike

Northumbria Police

Makes it easy to save

Peter

Avon & Somerset Constabulary

I have always enjoyed excellent service

Bryan

Avon & Somerset Constabulary

There are no hidden catches, just big benefits

Mick

West Midlands Police

The credit union is a great ‘friend’

John

Merseyside Police

It has helped my own family when they needed assistance

Allen

Merseyside Police

It’s perfect

There if you
need to borrow

Personal
Loan

Top up
Loan

Use our
loan calculator

Budget
Planner

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Serve and Protect

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