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Police Credit Union

Join a Police Credit Union Created by Police Officers

Discover a police credit union offering competitive savings and loans designed for officers, staff and retirees. Join our community today.

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Decades of Proudly Serving the Police Family

Join a trusted community of police officers, staff, and their families who rely on us to support their financial futures. Founded from the merger of regional police credit unions in the 1980s and 1990s, our roots run deep in the police family. Built on trust and understanding, we’re committed to improving the financial resilience of the police community.

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Why Join Our Police 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.

Partnerships with over 30 police forces

Avon & Somerset Constabulary logo
Bedfordshire Police
British Transport Police
Cambridgeshire Constabulary
City of London Police
Civil Nuclear Constabulary
Cleveland Police Force logo
Cumbria Constabulary
Derbyshire Constabulary
Devon & Cornwall Constabulary logo
Dorset Police
Durham Constabulary
Essex Police
Gloucestershire Constabulary
Hampshire Constabulary
Hertfordshire Constabulary logo
Humberside Police
Kent Police
Leicestershire Police
Lincolnshire Police
Merseyside Police logo
Metropolitan Police Service logo
Ministry of Defence Police
National Crime Agency
Northumbria Police logo
Norfolk Constabulary
South Yorkshire Police
Staffordshire Police
Suffolk Constabulary
Surrey Police
Sussex Police
Thames Valley Police
Warwickshire Police
West Mercia Police
West Midlands Police logo
West Yorkshire Police
Wiltshire Police
Can I Join?

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

  • you are serving in the police as an officer or staff
  • you are part of a wider law enforcement agency
  • you work for the National Crime Agency
  • you are in receipt of a police pension
  • you are a family member of an existing member

If you are not part of the police family or wider law enforcement, 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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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?

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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!

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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.

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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!

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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.

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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.

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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!

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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.

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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!

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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.

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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.

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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?

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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.

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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!

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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.

Frequently Asked Questions

Absolutely! We proudly serve numerous police forces across Britain, offering their officers and staff a convenient way to save and borrow through salary deductions. If your police force hasn’t joined yet, don’t worry. As long as you work in law enforcement, we welcome you to join with the ease of direct debit.

We’re constantly expanding our free employee benefit to reach more Police Forces and law enforcement agencies. If you believe we can assist you and your colleagues, please inform your HR team. We’re more than happy to have a conversation with them and provide further information.

In addition to serving the Police, we also extend our services to the broader law enforcement sector, including employees from the National Crime Agency. 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
NHS & Private Healthcare
Fire & Rescue Services
Armed Forces Community
Prison & Probation
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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.