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Free Staff Benefit for your Workforce

A reliable credit union for your people

As an employer, you want to be able to improve the financial resilience of your
colleagues, helping them to save and giving something back for their hard work.

A staff benefit focused on building financial resilience

Serve and Protect are working with employers across the police, prison, military, fire and health services to make it easier for employees to save regularly and borrow responsibly by enabling payroll deduction.

Our mission is to improve financial resilience. Our members play important roles in serving and protecting us all, so we want to help them look after their finances, so they one less thing to worry about.

No Cost

That’s right! We don’t charge employers at all.

Trusted

We’ve worked with leading organisations for 2 decades.

Ethical

Credit unions are for people, not profit.

Offered by leading organisations

Our support at a glance

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Why payroll deduction is good for employees

Almost half of Brits have £1,000 or less in savings, and 16% have no savings at all (Source: Finder, 2025)!

At Serve and Protect, we are working with employers across the police, prison, military, fire and health services to make it easier for staff to save regularly and borrow responsibly by enabling payroll deduction.

Removes Friction

People want to save, but the hardest thing about saving is getting started. Enabling payroll deduction can make it easy for your employees to build a healthy savings habit.

Pay Yourself First

Have you heard of ‘pay-yourself-first’ budgeting? It is a budgeting method where you set aside money to save on your payday before spending on anything else.

Fewer Declines

Automatic repayments result in less defaults and fewer loan declines. In fact, the chances of a payroll deducted loan not being repaid is just 2% compared to 15% for other methods (Source: Inclusion Centre, 2023).

Savings Habits

We encourage all our members to save. Even our members who want to borrow are required to save as well.

Financial Resilience Report 2025

Problems we can
help you tackle

Financial Capability

Nearly 24 million UK adults have poor financial literacy and just 20% had a good understanding of savings products (Source: Abrdn’s Savings Ladder Index, 2024). As a credit union we offer a range of financial education, both in-person and online.

Financial Stress

19% of respondents said they are often or always stressed about their financial situation. The impact this can have on job performance and morale cannot be underestimated. 38% of employees think financial stress among colleagues may affect their job performance or morale.

Financial Exclusion

23% of survey respondents admitted they have been denied a financial service in the past. Many of these members would have had to turn to other lenders as a result. In fact, more than 1 in 10 (15%) of survey respondents admitted they had to take out a payday loan before joining Serve and Protect.

Financial Vulnerability

53% of employees believe financial stress may increase colleagues’ vulnerability to exploitation and 35% think it is likely that financial challenges among colleagues could lead to misconduct.

Somerset NHS Foundation Trust

Sue Chant, Head of Wellbeing

We have been really pleased to have worked with Serve and Protect. Not only do we have the financial offers available but also the personalised financial webinars for different staff groups and in person roadshows that have brought the offer to life. The case studies and data provided monthly allows us to see the difference this is making to colleagues

British Army

Ange Smyth, Unit Welfare Officer

Serve and Protect provide outstanding and invaluable support to our soldiers, particularly through their delivery of Life Skills programme aimed at enhancing financial resilience. These initiatives empower soliders and their families to plan, prepare, and make provisions for the future. Serve and Protect’s committment to supporting our people has truly made a difference to encourage savings, support with affordable loans and financial education. Thank you.

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About

A reliable credit union for your people

A staff benefit focused on building financial resilience

Offered by leading organisations

Our support at a glance

Why payroll deduction is good for employees

Financial Resilience Report 2025

Problems we can
help you tackle

Tell your manager  
about us!

Our Research & Reports

Saving Accounts

Resources

Community

About

A reliable credit union for your people

A staff benefit focused on building financial resilience

Offered by leading organisations

Our support at a glance

Why payroll deduction is good for employees

Financial Resilience Report 2025

Problems we can help you tackle

Tell your manager about us!

Our Research & Reports

Problems we can
help you tackle

Tell your manager  
about us!