Serve and Protect Credit Union

About our ethical Credit Union services

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


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

Service Excellence

Service Excellence is at the heart of everything we do.


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


We do what we say we will do and if we get something wrong, we say sorry and put it right. We are here for our members and committed to meeting their needs. We are honest about what we can do and give a straight answer if we can't help.


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.


We love the Credit Union and the impact it makes on the lives of its members. We put that passion to work by going 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.
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Serve and Protect Credit Union was founded in September 2003, through a series of mergers with like-minded 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.



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.

Nigel Rabbitts
Mark Richardson
Peter Watson
Melanie Warnes
Moses Njuguna
Steve Grange
Ben Ruffer
Mayamiko Mtika
Craig Steadman

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! 


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:


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.