CNCU aims to provide ethical savings solutions for all members of our local community.
Saving regularly, allows our members to work towards financial goals while providing a cushion for unforeseen financial emergencies. Regular saving can reduce the need to borrow money from other companies such as pay day lenders and door step lenders. Members can save with the CNCU for items such as holidays, a new car, birthdays, weddings or just simply for the future.
How do I join?
Fill out and return a membership application form to open your Cheshire Neighbours Credit Union Savings Account.
If you are not already a member of CNCU or you are re-opening a closed account you will need to pay £10 into Cheshire neighbours Credit Union before we can consider your loan.
£5 is taken as your one-off non-refundable membership fee, and £5 deposited into your CNCU savings; which must be retained until you close your account. We are a financial social enterprise, run by our members, for our members; this means that you can attend our Annual General Meetings and have voting rights to decide what we do and how we can support our community.
You can make a payment by:
Bank transfer to: Cheshire Neighbours Credit Union
Sort Code: 08-92-50 Account number: 67000412, reference: Your Name Loan
Or Pay Cash at Delamere House, Crewe, CW1 2JZ from Monday to Friday 10am-12noon.
What do CNCU offer?
There are a variety of savings accounts that are offered, these include a Regular Savings Account, a Christmas Savings, Juveniles Saving , Rent and Deposit Accounts. We also provide banking services (such as our Visa Debit Card), Budgeting Account, Rent payment Account and several Loan products.
You can pay into your Savings Account by in and out-of-work Benefits, Universal Credit, Child Benefit, Wages, Payroll deductions, Cash, Cheque, Direct Debit, Standing Order.
It is easy to access your savings when you need them. Savings can be withdrawn on request into your bank account by BACS transfer or loaded onto your Engage Visa Debit Card (available on request) to withdraw as cash at ATM’s or spend in stores. Email us for more info info@CNCU.org.uk
The CNCU does not pay interest on savings but we so aim to pay a dividend to members and this is approved by the members at our Annual General Meetings.
Your savings are safe with Cheshire Neighbours Credit Union
All our members savings are protected under the Financial Services Compensation Scheme. See: https://www.fscs.org.uk/what-we-cover/
We are Regulated and Authorised by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) our Firm Reference Number is: 215692. See: https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000MfML7AAN