Dividend and Rates

We share our profits with all of our members each year. Subject to the terms and conditions of your account you’ll receive your dividend annually, each December, based on the performance of the credit union in the previous year. The dividend rate is decided and agreed by our members at our Annual General Meeting, based on recommendations from our Board.

Previous dividend payments

YEAR ENDINGDIVIDEND RATE
20191.15%
20181.5%
20171.3%
20161%
20151.5%
20141.5%
20132.5%
20123%
20113%
20103.25%
20093%

ISA savings rates for 2019/20

ISA accounts receive a return paid annually in April each year. ISA rates of return can vary from month to month throughout the year and we will update this page with the dividend rate to be paid each month.

MONTHRATE
November 20191.00%
October 20191.00%
September 20191.00%
August 20191.00%
July 20191.00%
June 20191.00%
May 20191.00%
April 20191.00%

The ISA return paid at the end of previous tax years was calculated at the following historical rates.

PERIODRATE
April 2016 until July 20161.25%
August 2016 until March 20171.00%
April 2017 until March 20181.00%
April 2018 until March 20191.00%

We are no longer taking new subscriptions for our ISA account but members who already have an ISA subscription can contribute up to £20,000 in the tax year 2017/18.

Remember, the maximum you can deposit with the credit union across all accounts in any financial year is a total of £10,000 lump sum deposits, plus a maximum £1,000 regular payments each month (totalling £22,000). A member’s collective savings balance is not permitted to exceed £85,000.

View our ISA account Terms and Conditions for more information.

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Please check first that you are eligible to apply:

  • You are aged 18 or over
  • You have a UK bank account in your own or joint names
  • You are a permanent UK resident
  • You have never been bankrupt or had a Court Decree

To complete your application you will need:

  • Your current employer's address details
  • Details of monthly income and outgoings
  • Bank or building society details (sort code and account number)

To enable us to make a decision on your loan application we will contact Credit Referencing & Fraud Prevention Agencies. This will register a search against your credit record and if your application is successful we will share the information we hold for you with these agencies. Further details are available in our Privacy Notice

It is important that you read the Privacy Notice document above. If there is anything that you do not understand, please contact us.

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Loan Term

Please be aware that the longer you take to pay back a loan, the more you will pay back in interest. If you go for a shorter term your monthly repayment might go up, but you'll save in interest and pay back your loan faster.

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