Our whole purpose is built on encouraging members to save small manageable amounts each month. Becoming a member of the Credit Union means you will be a regular saver, putting aside at least £5 each month. This gives you access to apply for any of our products and services.

Savings accounts and eligibility 

Member AccountReserve AccountFamily Member AccountJunior Account
This is the savings account you open when you join the Credit Union. Saving every month for a rainy day could help you when you face an unexpected cost.Your immediate family members can gain membership, providing you reside at the same address. Adults can save for their children and grandchildren through our Junior Account.
You need to work for or be retired from, a UK police force. You need to already have an existing Member Account, or Family Member Account. You need to be a family member of, and living in the same house as, a working or retired member of the UK police family. This account is for the child or grandchild of a serving or retired member of the UK police family.

For full eligibility details please see the individual product pages. 

Compare our accounts

FeaturesMember AccountReserve AccountNotice Plus AccountFamily Member AccountJunior Account
Monthly savings£5 minimum£5 minimum£0 minimum£5 minimum£0 – £10,000
Maximum savings limit*£40,000£40,000£40,000£40,000£10,000
Free, instant** withdrawalsYesYesNoYesYes
Can I change the amount I saveYesYesYesYesYes
Rate of returnAnnual dividend (3.5% in 2023)Quarterly interest paymentAnnual dividend (4.0% in 2023)Annual dividend (3.5% in 2023)Annual dividend (3.5% in 2023)
Life ProtectionIncludedIncludedIncludedIncludedIncluded

*You can save up to a maximum of £40,000 across all savings accounts.

**Faster payments could take up to 2 hours.

How much could you save?

How much can you afford to save each month?


Savings after 6 months


Savings after 1 year


Savings after 3 years


Savings after 5 years


Discontinued Accounts

There are some accounts which have been discontinued. Members who opened any of these are allowed to keep them, but cannot contribute more funds into these accounts. If you want to read more about any of these accounts, or check their rate of return please click here.

Eligible deposits with us are protected by the FSCS

Your eligible deposits with No1 CopperPot Credit Union are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk.

We are also covered by the Financial Ombudsman Service (FOS).