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Serve and Protect (formerly Police Credit Union)

About our ethical Credit Union services

Serve and Protect Credit Union (formerly Police Credit Union) helps employees of the police, prison, military, fire, and health services save money and access financial support.

About our ethical Credit Union services

Our Mission

At Serve and Protect Credit Union, we are passionate about improving the financial resilience of those who serve and protect our nation. We provide financial support to the people who help every corner of our society through various means of financial support:

  • Savings accounts
  • Payroll deduction
  • Personal loans
  • Free life cover
  • Essential financial tools
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Service Excellence

Service Excellence is 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.

About Us
About Us
About Us

History

Serve and Protect Credit Union was founded in September 2003, through a series of mergers with like-minded police credit unions. In total, seven credit unions that served police forces across the United Kingdom came together which inspired our mission statement at the time of “Strength in Unity”. These credit unions were:

  • 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
  • Money Mate Credit Union

This merger allowed the credit union to reinvest in its members, deepen relationships with police forces across the country, support great causes, and build a community of those who serve and protect. It wasn’t until 2012 that the credit union decided to expand to other sectors, opening its field of membership to the Prison & Probation Service. In 2015, the credit union continued to increase its scope across the public sector by opening up to the Armed Forces Community. This was followed by further expansion in 2020 to the Fire & Rescue Services and the Health & Social Care sector.

About Us
About Us
About Us

2023/24

Annual Review

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

Be a Part of the Board

Interested in joining our Board of Directors? Simply fill out the form below, and our Nominations Committee will get in touch with you. We look forward to hearing from you! 

Step 1 of 3 - About You

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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

A Fixed Cash ISA offers secure, tax-free savings with fixed interest rates, making it a dependable way to grow your money and achieve your financial goals.

Fixed Saver

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

Prize Saver

Prize-linked savings with Serve and Protect's Prize Saver make saving exciting. Grow your money securely while enjoying the chance to win prizes.

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

Looking for a smarter way to manage repayments? Serve and Protect Credit Union offers fair and simple payroll loans, enabling employees in the health, police, prison, fire, and military services to repay directly through their salary. Enjoy ease, transparency, and benefits like free life cover and no early repayment penalties.

Top Up Loan

Discover the benefits of Serve and Protect loans, crafted just for members. With low rates, flexible terms, and personalised support, these loans are here to help with your financial needs.