Here is a list of frequently asked questions, however if you query does not appear on the list then please feel free to email us at firstname.lastname@example.org, or phone to speak to a member of staff 01282 691333 or visit one of our three branches found here.
What is a Credit Union?
Credit Unions are not-for-profit co-operative organisations which are owned and controlled by members, anyone who opens an account is a member, with no outside shareholders to satisfy, providing a responsible alternative source of savings and loans accounts.
How does a Credit Union work?
Who can open an account?
How do I open an account at the Credit Union?
Where are the branches?
Can I join the Credit Union online?
Can my family join?
What I.D do I need to open a Credit Union account?
The reason we ask for I.D is to comply with Criminal Justice Act 1993 and Money Laundering Regulations.
How safe is my personal information?
Can I talk about my account on the phone?
Can I access my account online?
I cannot register online?
If you have not registered, on the ‘Online Account’ area click on the blue “sign up here” text “Not yet an online user ? sign up here”.
You membership number here at PCCU could have some 0’s at front after the merge between Burnley and Pendle.
The password and pin can be different to any password that you may use when visiting or speaking to members of staff in branch or on the telephone.
If in any doubt please contact the office.
I have forgotten my pin or password for the ‘Online Account’ area?
Is the online area safe?
How do the different savings accounts work?
Is Credit Union a bank?
What is the dividend?
Is my money safe at PCCU?
What is the FREE Life Insurance?
What is the Engage prepaid card?
You can also find a FAQ section on Engage’s website that aims to tackle any issues here.
Engage customer service number is +44(0)333 202 3642.
Can I apply for loan if I have not saved with PCCU?
How long before I know if my loan application is successful?
Can I get loan if I struggle getting credit in other places?
Who makes decisions on PCCU loans?
Do you perform credit checks?
All lenders look at different criteria and parameters when deciding on credit which means needing a certain credit score, banding or percentage for one lender may in fact be different to what we at PCCU are looking at.
We are assessing affordability; so checking income and expenditure, level of debt and ability to repay are just as important to PCCU.
A guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies can be found here.
I already have a PCCU loan- can I get another?
I have a loan but want to see if I am better moving it to PCCU?
Can I still save whilst repaying my loan?
There are also accounts like the ‘Easy Access’ and ‘Christmas Account’ that allow you to save separately alongside your main savings and loan repayments. Found out more here.
What is the interest rate on loans?
You can get a quotation for a loan from a member of staff, or online, which will indicate the interest rate.
The bank loan interest rate is better?
What happens if I pay my loan early?
What happens if I am struggling to pay loan?
Can I withdraw from savings whilst I have a loan?
Withdrawal password will not work on 'Online Accounts' area
How will PCCU use and share your information
Pennine Community Credit Union Ltd Data Protection Statement.
To read PCCU’s data protection statement please open the attachment. This credit union will process your data in accordance with your rights under the Data Protection Act 1998. The policy details how PCCU could also share account holder’s information and how to request the information we hold about a member. Data Protection Statement