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Your Partner in Financial Wellbeing

Support Your Employees’ Financial Wellbeing

Discover how enabling payroll deduction with Serve and Protect Credit Union can support both individual goals and overall financial wellbeing within your organisation.

Make Financial Wellbeing a Priority at Your Workplace

At Serve and Protect, we are working with employers across the police, prison, probation, military, fire and health services to make it easier for employees to save regularly and borrow responsibly by enabling payroll deduction.

No Cost

That’s right! We don’t charge employers at all. It’s also free for your employees to join us!

Trusted

We’ve worked with leading organisations in the public sector for over 2 decades.

Ethical

Unlike banks and other institutions, credit unions are for people, not profit.

Our Support at a Glance

Workplace Savings

Workplace Loans

Financial Education

Welfare Fund

Community Fund

Face-To-Face Presence

Why Payroll Deduction is Good for Employees

Did you know that almost half of Brits have £1,000 or less in savings, and a quarter have £200 or less (Source: Finder, 2026). At Serve and Protect, we are working with employers across the police, prison, military, fire and health services to make it easier for staff to save regularly and borrow responsibly by enabling payroll deduction.

Removes Friction

People want to save, but the hardest thing about saving is getting started. Enabling payroll deduction can make it easy for your employees to build a healthy savings habit.

Pay Yourself First

Have you heard of ‘pay-yourself-first’ budgeting? It is a budgeting method where you set aside money to save on your payday before spending on anything else.

Fewer Declines

Automatic repayments result in less defaults and fewer loan declines. In fact, the chances of a payroll deducted loan not being repaid is just 2% compared to 15% for other methods (Source: Inclusion Centre, 2023).

Savings Habits

We encourage all our members to save. Even our members who want to borrow are required to save as well.

Offered by Leading Organisations

Financial Resilience Report 2026

Problems we can
help you tackle

Financial Capability

Nearly 24 million UK adults have poor financial literacy and just 20% had a good understanding of savings products (Source: Abrdn’s Savings Ladder Index, 2024). As a credit union we offer a range of financial education, both in-person and online.

Financial Stress

19% of respondents said they are often or always stressed about their financial situation. The impact this can have on job performance and morale cannot be underestimated. 38% of employees think financial stress among colleagues may affect their job performance or morale.

Financial Exclusion

23% of survey respondents admitted they have been denied a financial service in the past. Many of these members would have had to turn to other lenders as a result. In fact, more than 1 in 10 (15%) of survey respondents admitted they had to take out a payday loan before joining Serve and Protect.

Financial Vulnerability

53% of employees believe financial stress may increase colleagues’ vulnerability to exploitation and 35% think it is likely that financial challenges among colleagues could lead to misconduct.

Take the Next Step for Financial Wellbeing

Ready to learn more? Book a demo with our partnerships team to learn how payroll deduction can benefit your organisation and staff.