You are a member of the Credit Union, not a customer
Together, members create a community with a common goal; to help one another financially. Members’ savings are pooled together to create an opportunity for others to borrow affordably and fairly, either through loans or mortgages. The interest charged on lending contributes toward the Credit Union’s profits and surplus profits which are shared with members every year, in the form of a dividend. Dividends are usually paid following our Annual General Meeting (AGM).
The AGM is one of the most important days in the Credit Union’s calendar. It allows Directors and members to come together and have their say on what matters. Members of the Credit Union are entitled to a vote at the AGM as every member has one vote, regardless of how much they hold in savings. Voting gives you the chance to help make key decisions which could make a real difference to your Credit Union. We pride ourselves on being a mutual organisation and welcome members to become involved in our AGM’s.
AGM Highlights
 “This year has seen continued growth, with more members than ever benefiting from our competitive range of savings, loans, and mortgages. Our executive team and staff have provided outstanding service, supported by a dedicated Board of Directors and Independent Advisors who ensure we remain on a strong strategic path. I am deeply grateful for their commitment and support over the past twelve months.
The dividend recommended this year reflects interest rate changes over the previous twelve months whilst safeguarding our reserves in line with regulatory requirements. Your savings not only provide you with returns but also enable us to extend loans and mortgages to fellow members.” Steve Morley |
 “As we enter our 40th year, our focus .is firmly on building a stronger, more innovative, and more member-centric Credit Union. The foundations we have strengthened over the past year, our modernised premises, expanded product range, and continued membership growth, give us a solid platform to deliver even greater value in the year ahead.”
Caroline Domanski MBE |
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“The Credit Union has delivered a strong set of results over the 2024/25 financial year with an excellent surplus and robust balance sheet. The results reflect the increase in membership over the financial year, the introduction of new loan products, and competitive dividend rates which are all designed to provide great value and support to our members.”
They’re not our profits, they’re yours
We’re very proud to announce the dividend rates for the financial year 1st October 2024 to 30th September 2025 as follows.
| Account | 2025 dividend rate |
| Member Account | 4.00% |
| Junior Account | 4.00% |
| Security Account | 4.00% |
| Festive Fund | 4.00% |
| Notice Plus Account | 4.50% |
| 5 Year Regular Saver | 4.50% |
Cheadle Royal Business Park,
Cheshire, SK8 3GX
