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About Our Credit Union

Credit Union Services for those who Serve and Protect

Serve and Protect Credit Union is a financial cooperative providing tailored financial solutions to those working in the police, prison, probation, military, fire and health services.

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Decades of Dedicated Service to Those Who Serve

At Serve and Protect Credit Union, we’re more than just a financial institution – we’re a community built on shared values of service, dedication, and mutual support. With decades of experience, we’ve grown to become one of the largest credit unions in the UK, proudly supporting those who dedicate their lives to serving and protecting others. We understand the unique financial needs of our members and are here to provide tailored solutions and unwavering support.

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What Makes Credit Unions Different?

People Helping People

We are guided by the principle of “people helping people,” which sets us apart from traditional financial institutions.

Not-for-Profit

Operating as a not-for-profit cooperative allows us to prioritise our members over profits. Every decision we make is focused on the best interests of our community.

Community Focus

As a member-owned credit union, you’re not just a customer—you’re part of a group dedicated to supporting one another.

  • Our cooperative model fosters a sense of belonging, trust, and mutual success.

Member First Approach

We focus on personalised service, competitive rates, and reinvesting in our members.

Happy family of three smiling together, representing financial security and trust as credit union members
Happy family of three smiling together, representing financial security and trust as credit union members
A woman sitting at a desk, smiling and focused while applying for a job on her laptop in a modern, professional workspace.

Annual Review 2023/2024

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Proudly Supporting Those Who Serve and Protect

Serve and Protect Credit Union was founded in September 2003 through a series of mergers with like-minded police credit unions. This merger allowed the credit union to reinvest in its members, deepen relationships with police forces across the country, support great causes, and eventually build a community of those who serve and protect.

Police officer standing guard, symbolising our credit union’s decades-long commitment to serving those who protect our communities.
Police officer standing guard, symbolising our credit union’s decades-long commitment to serving those who protect our communities.
Police officer standing guard, representing our decades-long commitment to serving those who protect our communities
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A Proud History of Serving the Police Family

Our roots to the police date back to the 1980s and 1990s when our founding police credit unions were formed. This includes: West Midlands Police Credit Union; Northumbria Police Credit Union; Merseyside Police Credit Union; Hertfordshire Constabulary Credit Union; Devon and Cornwall Constabulary Credit Union; Cleveland Constabulary Credit Union; and Money Mate Credit Union.

Smiling prison officer representing our credit union's decades-long commitment to supporting prison and probation service workers.
Smiling prison officer representing our credit union's decades-long commitment to supporting prison and probation service workers.
Smiling prison officer representing our credit union's decades-long commitment to supporting prison and probation service workers.
Expansion to the Prison & Probation Service

Following legislative reform in 2012, credit unions were allowed to reach out to new groups of people. Shortly after, we were approached by the Prison Officers’ Association to support employees in our judicial system.

Smiling female soldier representing our credit union's proud history of supporting military families and armed forces personnel
Smiling female soldier representing our credit union's proud history of supporting military families and armed forces personnel
Smiling female soldier representing our credit union's proud history of supporting military families and armed forces personnel
Personnel
10 Years of Supporting the Armed Forces

After a two-year campaign by the Co-operative Party to convince the Ministry of Defence (MoD) to establish a credit union exclusively for the Armed Forces Community, we were selected by the MoD to support service personnel and veterans. Today, we’re also proud to support reservists, MOD Civil Servants, and military families.

Healthcare professionals smiling together, representing our credit union's trusted partnership with NHS Trusts
Healthcare professionals smiling together, representing our credit union's trusted partnership with NHS Trusts
Healthcare professionals smiling together, representing our credit union's trusted partnership with NHS Trusts
Community
Opening Our Support to the Fire and Health Services

In response to the COVID-19 pandemic, we wanted to help more key workers access affordable credit. As such, in August 2020, we extended our services to the Fire & Rescue Services and Health & Social Care sector. Five years on and we’re now proud to be serving thousands of members in these communities.

Fire service cordon tape marking an emergency scene, representing our credit union's expanded commitment to supporting firefighters after credit union mergers.
Fire service cordon tape marking an emergency scene, representing our credit union's expanded commitment to supporting firefighters after credit union mergers.
Continuing Our History of Credit Union Mergers

As a credit union that was formed out of a super merger between several credit unions, we believe there is strength in unity. As such, we have continued our tradition of collaborating with other credit unions, including recent mergers with Durham Constabulary Credit Union in 2021 and National Fire Saver Credit Union in 2024.

Our Credit Union Mission

As a credit union, we are passionate about improving the financial resilience of those who serve and protect our nation. We know our members play important roles in serving and protecting us all, so we want to help them look after their finances so they have one less thing to worry about.

Our actions are guided by our core values, which shape every decision we make. We are committed to supporting our members, with service excellence at the heart of everything we do.

Respectful

We appreciate our members and colleagues and value them for their service and the unique contributions they make to the Credit Union. We’re proud to welcome and celebrate difference.

 

Reliable

We do what we say we will do, and if we get something wrong, we say sorry and put it right. Our commitment lies in being here for our members and meeting their needs. We are honest about what we can do and give a straight answer if we can’t help.

People-Centric

People are at the heart of everything we do. Meeting our members’ needs is our top priority, and we treat them as individuals. We invest in our team so they can provide exceptional services to our members and fulfil their potential.

Passionate

We love the Credit Union and the impact it makes on the lives of its members. Our passion for the Credit Union drives us to go above and beyond to exceed our members’ and colleagues’ expectations. We are always working to improve our services and embrace new ideas and ways of working.

 

Our Board of Directors

We are owned by and run for our members and our Board of Directors is elected by our members. They are responsible for the strategic direction of the credit union, ensuring it is run in the best interests of the members, so your needs are always above ours.

Board director for Serve and Protect Credit Union, Nigel Rabbitts
Nigel Rabbitts
Chairman
Board director for Serve and Protect Credit Union, Mark Richardson
Mark Richardson
Secretary
Board director for Serve and Protect Credit Union, Peter Watson
Peter Watson
Director
Board director for Serve and Protect Credit Union, Melanie Warnes
Melanie Warnes
Director
Board director for Serve and Protect Credit Union, Moses Njuguna
Moses Njuguna
Director
Board director for Serve and Protect Credit Union, Ben Ruffer
Ben Ruffer
Director
Board director for Serve and Protect Credit Union, Mayamiko Mtika
Mayamiko Mtika
Director
Board director for Serve and Protect Credit Union, Craig Steadman
Craig Steadman
Director
Board director for Serve and Protect Credit Union, Andrew Mobbs
Andrew Mobbs
Director

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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
Fixed Cash ISA
Fixed Saver
Prize Saver
Junior Saver
Flexi Saver

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
Top Up Loan
Shield
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.