Pennine and Affinity Credit Union have merged after PCCU expanded the area it covers to include the county of Cumbria.
As an account holder of PCCU you will have access to both ethical savings and affordable loan facilities. Alongside of providing these brilliant services we also provide FREE life insurance on savings and loans (subject to terms), which can be a real financial comfort to your loved ones should you die.
Savings Accounts Affordable Loans Free Life Insurance
This venture aims to provide a sustainable and prosperous credit union for people living and working across the Cumbria region, whilst also creating a larger and financially stronger credit union for all account holders.
Further benefits of joining PCCU include:
- A possible return on savings through dividend. Pennine’s financial results in recent years have allowed PCCU to pay a 1% dividend on savings. Please note that whilst your savings are safe in your name, in your account, they will still be used to allow the people of Cumbria to access affordable loans just as they have since 1994.
- Affordable Loans available up to £15,000. Given we have the required information loan decisions will be made and paid to members within 24 working hours. Apply online. Decision online. Sign online.
- PCCU’s £500 Family Loan & Savings Scheme. We’ve helped thousands of families with the Family Loan & Saving Scheme. Complete a user friendly application online – No need for full credit checks. A brilliant alternative for members who typically use higher cost lenders.
- The possibility of a loan interest rebate. Pennine’s financial results last year allowed us to pay a 6% rebate to borrowers.
- Additional free to open savings accounts, including the Christmas Club which allows you to save throughout the year, but withdrawals can only be made during November and December. This means that Christmas Savings really are just for the Christmas period. Last year over 900 members saved £270,000.
- Manage your account via telephone, Online Accounts Area, email, and NIVO.
- Share withdrawals in members’ bank accounts within 2 working hours.
- Engage prepaid card.
- No annual membership fee.
Where do I Join/ Apply for loans?
You can join PCCU online by selecting the ‘Join’ button below. If you would like to apply for a loan please select the ‘Join and borrow’ button.
If you have been an existing member of Affinity Credit Union your membership will have automatically been transferred to PCCU – you do not need to do anything. You should have received details of this along with your new membership number via a letter.
How to get in contact with PCCU?
PCCU has a team of 22 staff members, across 3 branches available to help with any questions you may have in regards to your account. Get in contact with us at any time and our friendly staff will get back to you as soon as possible during our operating hours.
Operating hours – 9:30 – 16:00 Monday, Tuesday, Thursday, Friday
12:00 – 16:00 Wednesday due to staff meetings
Nivo – Our secure Nivo app is the easiest and most convenient way for you to contact us regarding your account. On the app you can request balances and withdrawals, apply and sign for loans, update details and more.
Online Accounts Area – available 24/7 you can apply for online access to your account at pccu.co.uk by clicking on the button below. Select sign up and complete the following form. After signing up your account will need to be verified, you will receive an email notifying you that this has been done. Following this your accounts area will show you all of your balances, allow you to request withdrawals, apply for loans, download forms and contact the office with any queries.
Telephone – Telephone banking is available 5 days a week during our operating hours as stated above. Call us on 01282 691333, any of our branches can help to deal with your request or queries.
Email – For any general enquiries and to request withdrawals email us at enquires@pccu.co.uk. A member of staff will pick this up during our operating hours.
If you are already an existing member – are your details up to date?
For the purpose of us contacting you in regards to your account it is important that all details are updated regularly. The best way to do this is via the secure Nivo app or by emailing us at enquiries@pccu.co.uk.
What happens to your money if you die – is your beneficiary/next of kin up to date?
Please check with the office, beneficiary details can be changed at any time on Nivo or by emailing enquiries@pccu.co.uk. Our FREE Life Savings & Loan Protection Insurance is an integral part of PCCU’s member commitment. The Loan Protection Insurance is designed to provide complete peace of mind for members and their family by ensuring that the debt dies with the debtor. Life Savings Protection provides the member’s family with a single lump sum payment to help cover end of life expenses, in the event of a member’s death. Members are asked to nominate who they would want their savings and insurance to be paid to. More details are available on the PCCU website or from a member of staff.
If you have any further questions please see our Frequently Asked Questions (FAQ’s) page. If your question hasn’t been answered or you would like to speak to a member of our friendly team, please call one of our branches on 01282 691333 or request a call back. Please note that staff members at any of our three branches will be happy to help with your requests or queries.
