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NHS Credit Union

Credit Union for NHS and Private Healthcare Workers

We’re proud to support the entire healthcare community with the same commitment you show your patients every day. Join an NHS credit union that cares.

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Supporting Those Who Care for Us All

We understand that working in healthcare—whether in the NHS or private sector—means dedication, long hours, and putting others first. That’s why the credit union for the NHS and healthcare workers offers financial services tailored for professionals like you. We’re proud to support the entire healthcare community with the same commitment you show your patients every day.

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Why Join Our NHS Credit Union?

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.

Salary Deduction

Managing your money should be simple. Many of our members save and borrow through salary deduction—meaning less hassle and greater peace of mind.

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.

NHS doctor and nurse working together, sharing information about an NHS credit union services for staff.
NHS doctor and nurse working together, sharing information about an NHS credit union services for staff.
NHS doctor and nurse working together, sharing information about an NHS credit union services for staff.

Partnerships with several NHS Trusts

Calderdale and Huddersfield NHS Foundation Trust
Dorset County Hospital NHS Foundation Trust logo
HUC
North East Ambulance Service NHS Foundation Trust
Nottingham University Hospitals logo
Royal Devon University Healthcare NHS Foundation Trust
Somerset NHS Foundation Trust logo
South Tyneside and Sunderland NHS Foundation Trust logo
Tees, Esk and Wear Valleys NHS Foundation Trust
Can I Join?

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

  • you are working in and are paid by the NHS
  • you are working for a private healthcare company
  • you are a family member of an existing member

If you are not working for the NHS or a private healthcare organisation, you may still be able to join us if you fit into our field of membership.

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Join thousands of other members who Serve and Protect our nation!

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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.

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Feefo Platinum Trusted Service Aware logo for 2023
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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.
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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.
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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!
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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.

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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.

Frequently Asked Questions

Absolutely! We proudly serve numerous NHS Trusts and private healthcare companies, offering their employees a convenient way to save and borrow through salary deductions. If your employer hasn’t joined yet, don’t worry. As long as you work in health and social care, we welcome you to join with the ease of direct debit.

We’re constantly expanding our free employee benefit to reach more NHS Trusts and private healthcare companies. If you believe we can assist you and your colleagues, please inform your HR and Staff Benefit teams. We’re more than happy to have a conversation with them and provide further information.

In addition to serving NHS employees, we also extend our services to the broader Private Healthcare sector, including social care employees. We’re here to support you all.

You can still become a member as long as you do so before leaving employment. Once you’ve joined, you’ll have the opportunity to remain a member for life. We look forward to having you as part of our community!

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Check out who else we serve

Family Members
Fire & Rescue Services
Armed Forces Community
Prison & Probation
Police & Law Enforcement
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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.