FAQs

General FAQs

Who can join No1 CopperPot Credit Union?

No1 CopperPot’s common bond includes anyone employed by, or related to, the police. This includes Police Officers, retired Officers, Police Staff, PCSOs, Specials, and their families. Please note that family members must live at the same address as the member working for the police. We accept members from any force in England, Wales, Scotland or the Isle of Man.

How can I pay into the Credit Union?

You can pay into the Credit Union by calling us on 0161 741 3160 and having your debit card to hand. We accept Maestro, Visa, and MasterCard.

Your card must be registered to a UK address. We accept cards issued abroad if they are now registered to a UK address.

Once funds are paid into the Credit Union, they cannot be refunded. However, depending on your account terms, you may be able to withdraw funds from your savings if needed.

Do you offer joint accounts?

Unfortunately, we don’t offer joint accounts. However, if a member working for the Police Family lives with their partner, their partner is eligible to open a Family Member Account.

I have left the Police force. Can I keep my account?

Yes, you are welcome to remain a member and continue to use our services. If you were saving through payroll deduction, you’ll now save through Direct Debit instead. Please contact the office on 0161 741 3160 or email info@no1copperpot.com so we can make the necessary changes to your account.

How do I access my online account?

To log in to your online account, please click here. If it’s your first time logging in, you’ll need to activate your online account using two-factor authentication. You can then create your own password to use each time you log in. If you have any issues, please contact us, and a member of the team will be happy to help.

Where do I find my Member Number?

You can find your Member Number in your welcome email or text, or within your app. If you can’t find it, please email us at info@no1copperpot.com or call 0161 741 3160, and our team will assist you.

How do I close my account?

We’re sorry to hear you want to leave. To close your account, please contact the office on 0161 741 3160 or email us at info@no1copperpot.com

Who owns the Credit Union?

You do! Our members are treated as shareholders, and members usually receive a share of the Credit Union’s profits in the form of a dividend every year.

When does No1 CopperPot’s financial year start and end?

Our financial year runs from 1st October to 30th September.

I need to report the death of an account holder. What do I need to do?

If your family member has passed away, please send an email to info@no1copperpot.com. We would be grateful if you could provide us with your contact details and their name. We will be in touch as soon as possible to help you through the process.

Are my savings protected?

Savings held within the Credit Union are protected up to £85,000 by the FSCS scheme. For more information please click here.

Loan FAQs

Can I overpay or settle my loan early?

Yes, you can overpay on your loan or repay it early by calling the office on 0161 741 3160 with your debit card to hand. Unlike some other lenders, we do not charge fees or penalties for overpayments or early settlement. The more you overpay, the earlier your loan is likely to be repaid, which could save you money in interest!

How do I put more information on my loan application?

If you wish to send us supporting information in relation to a loan application, you can do this by emailing us at info@no1copperpot.com. We will attach your information to your account, where the Loans Officer can view it when assessing your application.

Can I freeze or change my loan repayments?

If you are struggling and need to discuss your loan repayments, please contact the office and you will be directed to the relevant team.