A safer way to save, a cheaper way to borrow.


What we are doing to navigate this unprecedented situation.

Our members are at the heart of all that we do and we are working hard to make sure you can access your money, whilst protecting our staff and volunteers.

To ensure that everyone is aware of what we are doing in these truly challenging times, we have a news page which we will update regularly together with articles on our blog.

We are here to help, so if you have any suggestions, we are happy to listen. You can get hold of us using the details on our contact page

The City of Plymouth Credit Union is an ethical,  not for profit, member-owned financial organisation.

We are dedicated to the economic development of the community in Plymouth, Devon, Cornwall and the Isles of Scilly, providing financial services to all our members including those who have been excluded from traditional services and who are often badly served by existing financial organisations.

We offer a real community-based alternative to banks and building societies. Using our members’ savings, we provide loans at affordable, highly-competitive interest rates. We can provide assistance to members with our budget accounts to help ensure those important bills are paid on time. And, subject to certain terms and conditions, our members’ Savings and Loans are covered by FREE life insurance.

We work in partnership with many local councils throughout the area to provide members with financial products and services which they find invaluable.

Why not subscribe to our Newsletter so you can keep up to date with the credit union? Click below for more information.


See this short video answering an all-too-common question!


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Service Point

Click here to see today’s open service points


  • Bank Holiday Closures
    Please note that the Frankfort Gate office will be shut for the two bank holidays in May on May 3 and May 31, 2021. All other offices and Service Points remain closed as a result of the Coronavirus pandemic.
  • Change To Corporate Share Withdrawal Processing
    We regret that, due to ongoing COVID-19 crisis, we have found it necessary to self-isolate a number of staff, which means that we are currently working on reduced staffing levels. Currently, we are working on a rota system (office working/homeworking) to enable social distancing in accordance with the government rules. Whilst we are attempting to […]
  • The Resurgam Charter
    We are delighted to announce that the City of Plymouth Credit Union is a founding signatory of Plymouth City Council’s Resurgam Charter. We are committed to encouraging a fairer and greener future for Plymouth, and focused on boosting local development across Devon, Cornwall and the Isles of Scilly. Find out more information on the Charter […]



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Saving with us couldn’t be easier. We have a wide range of savings accounts to suit your needs. You can pay into your savings accounts in many different ways, with cash, by standing order, or even direct from the Department of Work and Pensions.

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We have a large range of loans to suit everything you could possibly need. Even if you have a poor credit history, we may still be able to help. Compare our interest rates with other high street providers and see how much you can save.

Visa Debit Card
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A convenient and safe way to store and spend your loan or savings is to use one of our low-cost prepaid Visa Debit Cards. We can transfer money to your card which you then use anywhere like any other debit card. So easy and secure to use, much better than carrying large amounts of cash or writing cheques.


Budget Accounts

Having problems paying your bills? When you make payments into your savings accounts, we can arrange that your regular bills are paid for you. Then you know that what’s left over is yours to spend.

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Payroll Partners

A great way to save or repay your loan. And because its deducted at source, you hardly notice it! Get your employer to join our scheme.

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Rent Direct Scheme

Paying rent is often stressful both for tenant and landlord. We can help to reduce the stress.

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Universal Credit

Universal Credit has arrived in the South West. We can help make the transition.


We work closely with a range of partners who help us to deliver services to our members and in turn we help them deliver services and products to their customers and members. To find out more, see below.

Plymouth City Council (PCC) help us in many different ways to deliver services to our members and as such are very important to us. Also, some of their employees are members of the credit union and use our Payroll Partners Scheme to save and borrow. Click here to visit their website.

We are delighted to announce that the City of Plymouth Credit Union is a founding signatory of Plymouth City Council’s Resurgam Charter. We are committed to encouraging a fairer and greener future for Plymouth, and focused on boosting local development across Devon, Cornwall and the Isles of Scilly. Find out more information on the Charter and what it means for Plymouth at https://www.resurgam.uk/

Many of our members rent or lease properties from Plymouth Community Homes and, as with Plymouth City Council, many of their employees are part of our Payroll Partners Scheme. To find out more about what they have to offer, click here.

The Association of British Credit Unions Ltd (ABCUL) is our trading association. As well as being experts on all things credit union, they provide us with a forum where we can meet with and exchange ideas with other credit unions and help us with legislation by providing guidance and lobbying government on our behalf. Click here to find out more.

We have teamed up with our friends in the Stop Loan Sharks team, part of the Illegal Money Lending Team based in Birmingham, on several occasions to promote the services offered by credit unions. They have also given us grants to carry out anti-money shark activities. Click here to see their website.




Are you interested in helping your community thrive? Do you think that helping them financially is the way to go? Then we have lots of vacancies for volunteers to help deliver an ethical, community-based financial service throughout Devon and Cornwall. Future employers also tend to look favourably on applicants who have a background in volunteering.


We publish regularly on Social Media so why not click on your favourite channel below?


Keep up to date with City of Plymouth Credit Union by subscribing to our Newsletter


Mrs D approached the City of Plymouth Credit Union with the intention of renewing her loan. While assessing her application it was identified she had a series of pay day loans. She had taken one pay day loan to help towards her wedding, then to repay the loan she borrowed from another pay day lender. Then borrowed from a third payday lender to repay lender two at the same time borrowing money from lender one to cover living costs. Her husband was unaware of any of this going on. The City of Plymouth Credit Union consolidated the loans into one. Mrs & Mr D are now settled into married life and are happily repaying their loan to the Credit Union on an affordable basis.

Mrs D, Living in PL4, Plymouth

Miss S had a problem with her car which required repairs costing over £300. She explained that, without her car, she would lose her job as it was required to enable her to visit her clients. City of Plymouth Credit Union offered her a low-cost loan to enable her to carry on in her employment.

Miss S, Living in PL1, Plymouth

Mr G was setting up a business and required to purchase a van to enable him to visit his clients. City of Plymouth Credit Union provided him with a personal loan to purchase a van. His business is now highly successful and he has paid back his loan in full.

Mr G, Living and Working in PL1, Plymouth

We had to scrap our car last week. We are lost without a car. Luckily, I have been saving with City of Plymouth Credit Union for just such an emergency and were able to borrow £3,000 at a very low rate of interest. Even the car salesman remarked that the finance he could offer would have been more expensive.

Mr C S, Living in PL1, Plymouth

City of Plymouth Credit Union helped me tremendously to budget and pay my bills. Excellent personal one-to-one without quibble.

Mr P M, PL4, Plymouth