Local, trusted, and here to help you and our community thrive.

Get affordable loans and flexible savings. We believe everyone deserves fair financial opportunities. At Central Credit Union, we offer accessible money products that make our communities more resilient.

What can we help you with today?

  • Loans
  • Savings
  • Good Cause Lottery
  • Mobile Office

How Central Credit Union works.

We are a non-profit, ethical savings and loans co-operative. 
We serve people living, working, or studying in the Liverpool City Region, West Lancashire, Wigan, Warrington, Chester and Cheshire West.

Members own the credit union. You can borrow at competitive rates and save to earn an annual dividend, calculated as a percentage of your savings, also known as ‘shares’.

At the heart of our credit union is a simple idea: people helping people. Alongside providing fair savings and loans products, we also give back, support members and the local community.

 

Learn more

Why choose Central Credit Union?

  • Trusted by over
    21,000*
    members since 1989
  • £15 million
    saved by our members to date
  • £3 million
    is what we've saved our members in interest compared to high-cost credit
  • 80%
    of members surveyed report the credit union having a positive impact on their financial wellbeing

*This figure reflects active member accounts only, and excludes dormant and closed accounts.

Ready to join?

Joining Central Credit Union goes beyond loans and savings. It means financial security, fair access to credit and being part of a community that puts people first. Become a member today and take control of your finances with confidence.

Our mobile office is designed with our community members in mind.

If you don’t have online access or can’t reach a branch, we bring our services to you. We travel across our common bond areas to tell people about our credit union and its benefits. These areas include Liverpool City Region, West Lancashire, Wigan, Warrington, Chester, and Cheshire West.

 

Visit our Mobile Office page

Better than the bank.

We’re here as your financial partner. We don’t take advantage of you.
Join thousands of members who trust us to support them through life’s milestones, offering stability and security every step of the way.

 

Become a member today

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects your money up to £120,000 per person, per authorised UK bank, building society, or credit union if the firm fails. This protection applies to current accounts, savings, and cash ISAs, with joint accounts covered up to £240,000. For further information, refer to the FSCS website: https://www.fscs.org.uk

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