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Community Finance

Community Finance that Makes a Real Impact

As a credit union, we go far beyond standard banking. We are a member-owned community finance organisation dedicated to supporting those who serve and protect us every day.

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Helping People Thrive Through Community Finance

We believe in people helping people. That’s why, as a member, your regular savings do more than just build your own financial resilience. They also create a shared pool of money that allows fellow members in similar roles to access affordable loans. This community-focused approach helps everyone build financial resilience together.

Join Our Community
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£100M+

In savings accumulated by our community of those who serve and protect.

£450M+

In affordable loans provided to those who serve and protect.

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£20M+

Returned to our members in the form of dividends and interest.

Financial Inclusion is at the Heart of Everything

Nationwide Briefs

We regularly host in-person briefs throughout the country, engaging directly with our members to provide clear, practical advice on managing finances and accessing support. These sessions are designed to foster a sense of trust and community, while empowering members with the right tools to achieve financial stability.

Free Weekly Webinars

Every week, we deliver free webinars covering vital topics such as budgeting, saving, and financial resilience. These sessions are accessible to all members and ensure that wherever you are, you can gain valuable financial insights from the comfort of your home.

Key Partnerships

To tackle financial challenges, we’ve partnered with organisations including StepChange, GamCare, and Stop Loan Sharks. These relationships allow us to provide our members with expert resources, guidance, and interventions to address issues like problem gambling, debt, and high-cost credit dependency.

Community finance outreach supporting armed forces members through financial education

Free Financial Webinars Every Week

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Community finance impact through football sponsorship of the ESFL (Emergency Services Football League).

Supporting Wellbeing Through Sport

We know staying active and connecting with teammates are vital for building resilience in demanding roles. That’s why we fund sports teams, competitions, and local clubs for our members. By helping emergency services and military personnel manage stress and build strong bonds, we’re supporting their complete wellbeing – investing in them as people, not just their finances.

Journey to the Olympics

Our S&P Scholar Programme is community finance in action – removing financial barriers for talented members pursuing national and international sporting competitions. We proudly support individuals who demonstrate true resilience.

Watch the video below to see the story of one of the inspiring S&P Scholars, Thandor, who has fought back from cancer and is now on a mission to make the Olympics in 2028. Interested in becoming an S&P Scholar? Email us at partnerships@serveandprotectcu.co.uk

Turning Feedback into Forests

Caring for our community also means caring for the environment we all share. We’re committed to building a sustainable future, and that starts with taking care of our planet. That’s why we’ve partnered with Feefo with the “Treefo” initiative. For every review you leave us, we fund the planting of a tree, helping to support global reforestation efforts. Together, we’ve already planted thousands of trees, turning your feedback into meaningful climate action.

Community finance partnership with Treefo supporting tree planting and environmental impact
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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.