Credit Union Family Membership

Credit Union Membership for Your Family

Being part of our credit union family extends beyond just individual membership. Your loved ones can also join our supportive financial community.

Open the Doors for Your Loved Ones

With our credit union family membership benefit, being part of our community extends to more than just the primary member—it includes you, too! If your loved one is already a member, you can join as well. Enjoy the same benefits, support, and financial opportunities, all while staying connected to a community that values and serves those who serve others.

Why Join as a Family Member?

Flexible Savings

Whether you’re saving for a rainy day or planning a big milestone, our savings accounts make it easy to build up funds your way. Enjoy the reassurance of secure, regular savings with the flexibility to withdraw when you need.

Affordable Loans

We offer straightforward loans that fit around your circumstances, not just your credit score. With flexible repayment terms and no hidden fees, you can borrow with confidence knowing we’ve got your back.

Digital Convenience

Manage your family’s finances easily with our mobile app and online banking, designed for busy households.

Member First

We’re a credit union run by and for our members. That means service that listens, and decisions that put your interests first. Every member can have their say and share in our success.

Can I Join?

To become a member, you need to one of the following:

If you are not an immediate family member of someone who is already with Serve and Protect, you may still be able to join us if you fit into our field of membership.

Use the code FAMILY10 when signing up to earn £10 for you and your family

Here's What Our Members Say

We’re proud to have earned thousands of reviews on Feefo, reflecting the trust of our community of over 54,000 members.

Lewis

HM Prison & Probation Service

Amazing, I can’t recommend you all enough

You are all amazing. You have helped me and my family out so much. Because of you, I can now re-mortgage and get a cheaper deal. It was quick and easy.

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.

Trusted Member

Scottish Prison Service

Easy, Fast and Friendly Service

I needed a loan for an expensive car repair. When I called to enquire if I was eligible for a top up my loan, the staff member was so friendly and knowledgeable. The fast, friendly service made the world of difference.

Trusted Member

HM Prison & Probation Service

Treat you like a person

Needed a loan to consolidate credit card debts and some extra cash for Christmas. My credit score is atrocious, however, this was not even mentioned and I was approved quickly. It’s nice to be treated with respect and not as a number.

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.

Trusted Member

HM Prison & Probation Service

Happy customer

Professional, efficient and no complications. I like the way it’s arranged based on salary and taken direct from source.

Trusted Member

United Lincolnshire Hospitals NHS Trust

Excellent service

I was really struggling to pay my credit card and Serve and Protect Credit Union gave me a loan to consolidate my debts. Quick and easy to apply for a loan. Hassle free.

Sylvia

Hillingdon Hospitals NHS Foundation Trust

Fantastic

They responded very quick and were happy to help in a delightful caring kind of way. They listened to why I needed the loan.

Jaydon

HM Prison & Probation Service

Great People

Brilliant service. Genuine people who want to help you in tough times. Couldn’t of been better. Got approved for a loan even though I have only worked in the job for three months.

Hitson

British Army

I am very pleased with the service

Serve and Protect has helped me every time I’ve needed credit. The process isn’t lengthy or complicated. I am very pleased with the service I’ve received so far!

Nyhyl

British Army

Amazing service!

The service I received was simple, easy, straightforward, and painless. They were eager to help me from the beginning and they made the whole process easy fast and easy. I couldn’t ask for anything more.

Trusted Member

Buckinghamshire Fire and Rescue Service

Top Quality Service

The service from Serve and Protect has been absolutely outstanding. I’m so impressed with how I have been treated. I would definitely recommend them again!

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.

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.

Andrew

British Army

Amazing as always

As always they impartially look at your circumstances, and affordability and offer help wherever possible. Amazing quick and super friendly service.

Jonathan

HM Prison & Probation Service

Fantastic service

Fantastic service. No matter who you speak to they go that extra mile to help. Couldn’t be happier. Thank you.

Jonetani

British Army

Always there for me whenever I need help

The service is great and always there for me whenever I need help from Serve and Protect, especially with my savings. It really helped my family back at home a lot.

Emerson

Prison Officers' Association

Great way to save money

I have been a member of Serve and Protect for a number of years I always found it an excellent way to save money and when I needed they were there for me. Thanks a bunch!

Trusted Member

HM Prison & Probation Service

Quick and easy. Legends!

Fantastic customer service. Quick and to the point with little confusion. Credit builder loan was perfect for my situation and will look to use the service again if needed in the future.

Aby

London Residential Healthcare

Life saving angel

I am literally grateful for them as they helped me with a loan for which was in great need. I already recommended this union to my colleagues and friends and already 2 of my friends join. This credit union is a life saving angel in terms of low interest APR as compared to high street banks!

Rebecca

South Tyneside and Sunderland NHS Foundation Trust

Great service

Excellent service, fast and easy to use. Once I submitted all the paperwork, the loan was processed and in my account within a few hours.

Robinson

British Army

East to apply

Serve and Protect go above and beyond to help out. Every time I’ve used them I have had a great experience. Couldn’t be happier with the services they provide.

Trusted Member

Scottish Prison Service

Hassle free loan

This is probably the fourth time I have used Serve and Protect Credit Union and its always been the easiest and most hassle free loan I have had.

Michael

Somerset NHS Foundation Trust

Their service is brilliant

Customer service is very approachable and helpful. They will help you in every step of the way.

Michael

Somerset NHS Foundation Trust

Their service is brilliant

Customer service are very approachable and helpful. They will help you in every step of the way. The loan was very helpful, especially for someone like me who really was in need.

Dennis

British Army

Outstanding service!

Outstanding service! Less than 24 hours after applying for a car loan, it was credited to my account Thank you so much.

Trusted Member

East Kent Hospitals University NHS Foundation Trust

I got exactly what i needed at the right time

The staff were friendly and assisted me in a professional manner. They called to find out how I was getting along with the process and helped me along the way.

Trusted Member

HM Prison & Probation Service

Impeccable

Professionally completed all background checks and paperwork on applicants and kept me informed at every step. The loan has already put my mind at ease, and stopped me wasting money on high interest rates!

Hollie

HM Prison & Probation Service

Highly recommend!!

Brilliant service, nice quick process! A lot of stress has been relieved knowing my debts are sorted and I’m clearing this via my payslip! Thanks so much.

Kerry

HM Prison & Probation Service

Quick, respectful and non-judgemental

Serve and Protect Credit Union responded quickly to my application for a loan. There was no judgement that I needed the money for a hot tub, either. In fact, I have fibromyalgia, which is why I need one. They couldn’t lend me the full amount, but this showed me that they are responsible lenders.

Trusted Member

British Army

Extremely Helpful

Extremely helpful and understanding. Helped me even when no one else would. 100% recommend to all Armed Forces serving personnel.

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?

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!

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.

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!

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.

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.

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!

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.

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!

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.

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.

Phil

Devon & Cornwall Police

This organisation is a ‘must’!

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.

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!

Trusted Member

HM Prison & Probation Service

Would recommend!

Excellent service and communication, everything was dealt with in an efficient and professional manner. Helped me to get the car I wanted and needed, thank-you very much for your speed and support during the loan process.

Karen

HM Prison & Probation Service

Staff always kind & helpful

I am relocating to another jail and I had to pay 6 months rent up front. Serve and Protect didn’t hesitate to help me out. Cannot recommend this company enough. Thank you.

Trusted Member

HM Prison & Probation Service

Absolutely brilliant

Managed to pay off all of my other credit commitments and I now have one very affordable payment which I don’t even notice as it goes out of my wages before it even hits my bank account each month.

James

Prison Officers' Association

They really went the extra mile

Superb, professional and plenty of patience, they really went the extra mile. The loan will get me over a temporary cash shortfall, without costing the earth.

Trusted Member

Scottish Prison Service

Very straight forward process

Very straight forward process and communication was excellent. Stress free application and made feel valued as always. Will allow me to finish my renovation.

Trusted Member

HM Prison & Probation Service

Swift decision and good communication

I was very impressed. Very swift decision and good communication in time. The best financial service I have ever received. Kudos.

Trusted Member

Nottingham University Hospitals NHS Trust

Very quick service

Interest rates are a lot lower than what I was paying on my credit cards and having an end date for the loan is a great reassurance.

Trusted Member

Dorset County Hospitals NHS Foundation Trust

Quick and Seamless Processing

They have been very communicative and prompt. Very helpful and quick processing. The rates are good too. I am pleased.

Fabian

Royal Navy

I am grateful

I am grateful for what Serve and Protect all have done for me, especially at this time when I was really in need of the helping hand they gave to me.

Siyad

Somerset NHS Foundation Trust

I am completely satisfied

Really it was an hard time for me, but when I gave a proper explanation and proof they provided me a loan at a reasonable rate. Within 6hrs I received money in my bank account.

Douw

British Army

This helped me to consolidate my finance agreement

Very helpful and assisted where possible to ensure I got the best outcome when applying for a loan. This helped me to consolidate my finance agreement the next day against a far greater APR than that of the company.

Martin

North East Ambulance Service NHS Foundation Trust

Very professional and helpful

I used Serve and Protect for a new loan and the loan process was very simple with a quick decision This company are very professional and helpful with the loan being deposited very quickly. I highly recommend serve and protect credit union to anyone.

Amanda

Prison Officers' Association

Prompt and Professional

I have consolidated my debt and know now I have one payment, which has streamlined my finances. The whole experience from start to finish was smooth and efficient.

Trusted Member

British Army

They really helped me and my family

Very satisfied with the service from Serve and Protect Credit Union. They were very helpful, especially during my time and family’s time of need.

Trusted Member

Scottish Prison Service

First class personal service throughout

A very individual service as my financial situation was slightly complicated but it wasn’t a problem. They took the time to understand it subsequently were able to offer me the loan.

Trusted Member

HM Prison & Probation Service

Good job from the loans team

The loan team were very helpful with the application process and feedback on when payment would be made. A great team performance, keep it up.

Benjamin

British Army

Outstanding

Excellent service with great advice and a fully understand team. Overall amazing. I have already recommended a friend to take a look and he got a loan for his car and says the same.

Trusted Member

Yeovil District Hospital NHS Foundation Trust

Excellent Service

Excellent customer service and quick processing time. I would definitely recommend to my friends and colleagues and those who are in need.

Trusted Member

British Army

A Credit Union you can trust

The service received was amazing. The Serve and Protect team were swift in responding to my enquiries. My first time getting a loan in the shortest possible time. I got my loan in 3 working days, which is very impressive. I’m glad to be a member of Serve and Protect.

Trusted Member

Nottingham University Hospitals NHS Trust

The loan really helped me

The loan really helped me to get rid of a high interest rate from the bank. Thank you so much for the processing. I appreciate everyone behind this. Thank you.

Colin

Sussex Police

A pleasant experience and great customer service

Quick, easy and without fuss. Minimal questions and came back with a really good rate and repayment schedule. Highly recommended.

Trusted Member

Scottish Prison Service

Quick and easy

The service I received from the team was very helpful, they gave me information throughout the process and made it quick and easy.

Trusted Member

Chelsea and Westminster Hospital NHS Foundation Trust

Best customer service ever

Best customer service ever. Liked the team. Everything was efficient and so diligent. Quickly responded all my queries and my loan was passed quickly.

Suzanne

British Army

The loan application was super easy

The customer service team were super helpful, polite and accommodating. The loan application was super easy and the team always ensured I was kept up-to-date with any changes. I would highly recommend them and will absolutely be using them again for any loans or savings needs.

Sarah

HM Prison & Probation Service

They are always happy to help

I have been a member of Serve and Protect for some time now. Every query I have had has been dealt with quickly and professionally, and they are always happy to help where they can.

Courtney

Royal Navy

I'm so grateful that I found out about them

Very attentive and considerable service. Even when all hopes are lost, Serve and Protect meet the standards and requirements of my needs. I’m so grateful that I found out about them.

Trusted Member

Circle Health Group

The service was fast

The team were pleasant, informative and the service was fast. I will recommend my colleagues to join this credit union.

Opoku

Somerset NHS Foundation Trust

Really impressed me

The service was beyond my imagination. The team really impressed me on my experience with them and I am happy to part of the service.

Stephanie

York Teaching Hospital NHS Foundation Trust

Excellent service

From start to finish it was an easy, user friendly experience. Everyone I spoke to was friendly and helpful, and everything was really well explained.

Trusted Member

HM Prison & Probation Service

Very efficient and non-judgemental

I thought the service was very efficient and non-judgemental. They actually listened to the reason why I wanted the loan, unlike a lot of loan companies that just want to see your credit score.

Trusted Member

Scottish Prison Service

Painless process

The loan meant I could enjoy a great family holiday without worrying about money. The whole process was quick and easy. Between the initial enquiry about a loan to the money going into my account, it was a seamless process.

Trusted Member

Royal Navy

They have literally change my life

Absolutely fantastic service provided. They were calm in talking me through my worries and concerns and how best to approach my application to give it the best chance. I’m very grateful to Serve and Protect. They have literally changed my life.

Trusted Member

East Sussex Fire and Rescue Service

Quick and easy

I applied online and the service was quick and easy to follow. It has helped me pay for a family holiday. I liked the fact that I had the option to choose how much time to pay the loan.

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.

Russell

Staff Health & Wellbeing Lead

Tees, Esk & Wear Valleys NHS Foundation Trust

Working with Serve & Protect Credit Union feels like genuine partnership working – it’s great to be able to offer and promote all of Serve & Protect’s products and services, which help our staff think about and look after their finances, the savings schemes are particularly popular with our staff. We also welcome Serve & Protect’s significant emphasis on financial education and learning.

James

Senior Inclusion Advisor

South Tyneside and Sunderland NHS Foundation Trust

Alannah from Serve and Protect has been fantastic working with the Trust to deliver Financial Health Workshops to staff which have been extremely well received. Having Serve and Protect as part of our staff wellbeing offer makes me extremely proud to work for our NHS Trust.

Mayflor

Nurse

South Tyneside and Sunderland NHS Foundation Trust

You can save as little as £10 monthly that you can use for a future application for indefinite leave to remain or for a housing deposit. I promoted their service to my family, friends, and colleagues to safeguard their welfare against high-interest loan companies. Thank you, Serve and Protect, for opening your door to us, the NHS workers.

Lt Col Lockwood

SO1 Armed Forces Welfare Support

Ministry of Defence

Serve & Protect have initiated a support mechanism to quickly identify underpinning issues and signpost to relevant organisations that can help. This is an excellent service that Serve & Protect have developed to better look after our people in time of need.

Claire Batt MBE

Force Wellbeing Lead

Ministry of Defence Police

The Ministry of Defence Police are always looking for ways in which to support their officers and staff in making sound financial decisions to support them throughout their career and into retirement. The team at Serve & Protect provide great financial education and support through a wide range of products and services tailored to our organisations needs. Serve & Protect have a great heritage with the wider MOD and MDP are proud to be part of this alliance, our officers & staff’s financial needs are in good hands.

Andy

Branch Secretary

Sussex Police Federation

As Branch Secretary for Sussex Police Federation I can say that the help and assistance that we receive from Serve and Protect has been outstanding. I get calls on a regular basis from members who have been assisted by Serve and Protect who speak very highly of the services offered and taken up with by Serve and Protect. Serve and Protect have specifically assisted our members at the Police Unity Tour last Summer with the Community Fund application, which assisted those taking part. I can not recommend Serve and Protect highly enough.

Paula

Finance and Accounts

Prison Officers' Association

POA have been working with Serve and Protect Credit Union since 2012 where they are able to offer our members and their families the opportunity to borrow and save through their salary. Our members say they receive a professional and seamless service. POA are proud to offer Serve and Protect to our members.

Jenny

Office Manager

Humberside Police Federation

Our Federation and Force have worked with S&P for a number of years. S&P attend many of our roadshows and events with us where we reach out to our Officers and Staff, not only promoting their own great services but assisting with ours and signposting our members to other organisations where needed. S&P care about their customers and helping people, they take the time to discuss financial concerns with members and help to provide solutions . We look forward continuing our working relationship with S&P in the future.

Tina

OHU Services Lead

Merseyside Police

Serve & Protect are very supportive within our Force and provide a lot of financial options including savings, loans and pension advice.

Sue

Health and Wellbeing Lead

Somerset NHS Foundation Trust

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.

Garry

Branch Secretary

Hampshire Police Federation

I have worked with Rob Lovesey and Serve & Protect for a number of years.

It is without doubt due to Robs dedication and commitment to improve the financial wellbeing and resilience of our members that we have been able to advise, support and help a number of colleagues alongside of Serve & Protect.

Jonathan

Chief Inspector

British Transport Police

I found Serve and Protect to be extremely helpful and informative. Their team present very well, clearly know their products and are able to articulate the importance of planning for the future. I would recommend Serve and Protect to other organisations.

Glenn

Physical Educational Officer

HMP Newhall

By becoming a member to Serve & Protect Credit Union, it has allowed me to apply to their Community Fund for financial support to assist with the cost of delivering Staff Wellbeing events we host for our staff here at HM YOI Newhall. Fantastic help & support & much recommended!!

Ange

Unit Welfare Officer

British Army

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 soldiers and their families to plan, prepare, and make provisions for the future. Serve and Protect’s commitment to supporting our people has truly made a difference to encourage savings, support with affordable loans and financial education. Thank you.

Frequently Asked Questions.

Can family members make repayments from their salary?

If your family members do not work for an organisation in the Police, Prison, Military, Fire, or Health services that allows salary deductions, no worries! They can still save and borrow with the credit union by setting up a direct debit. It’s simple and convenient!

What family members are allowed to join your credit union?

As a credit union, we welcome immediate family members residing at the same address as existing members to join us. So, whether it is your children, or a partner, they have the opportunity to become a member on their own and enjoy the benefits of saving and borrowing through direct debit.

Check out who else we serve

NHS & Private Healthcare

Fire & Rescue Services

Armed Forces Community

Prison & Probation

Police & Law Enforcement

Saving Accounts

Resources

Community

About

Credit Union Membership for Your Family

Open the Doors for Your Loved Ones

Why Join as a Family Member?

Can I Join?

Use the code FAMILY10 when signing up to earn £10 for you and your family

Here's What Our Members Say

Lewis

HM Prison & Probation Service

Amazing, I can’t recommend you all enough

Mark

Royal Navy

Cannot rate it highly enough

Trusted Member

Scottish Prison Service

Easy, Fast and Friendly Service

Trusted Member

HM Prison & Probation Service

Treat you like a person

Ashley

British Army

10 out of 10 as always

Trusted Member

HM Prison & Probation Service

Happy customer

Trusted Member

United Lincolnshire Hospitals NHS Trust

Excellent service

Sylvia

Hillingdon Hospitals NHS Foundation Trust

Fantastic

Jaydon

HM Prison & Probation Service

Great People

Hitson

British Army

I am very pleased with the service

Nyhyl

British Army

Amazing service!

Trusted Member

Buckinghamshire Fire and Rescue Service

Top Quality Service

Jack

British Army

People for the People

Kevin

British Army

Without a doubt, I would recommend this service

Andrew

British Army

Amazing as always

Jonathan

HM Prison & Probation Service

Fantastic service

Jonetani

British Army

Always there for me whenever I need help

Emerson

Prison Officers' Association

Great way to save money

Trusted Member

HM Prison & Probation Service

Quick and easy. Legends!

Aby

London Residential Healthcare

Life saving angel

Rebecca

South Tyneside and Sunderland NHS Foundation Trust

Great service

Robinson

British Army

East to apply

Trusted Member

Scottish Prison Service

Hassle free loan

Michael