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What is a Credit Union?


Blues & Twos credit union is a “not for profit” financial co-operative, owned entirely by its members and run by a trained professional team. Setting the policies, compliance and strategic governance is the Board of Directors who draw experience from a variety of business / public sector backgrounds. The team offer you ethical savings & affordable loans. “Save as you Borrow”

Latest News

  • New 12-sided £1 coin enters circulation 28 March

    The new 12-sided £1 coin entered into circulation on 28 March.   Find out more on the Bank of England website at www.thenewpoundcoin.com

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  • It’s what we’re all about…..

    We are proud to see our objectives really helping our members.  The promotion of thrift helping members save regularly, the training & education in the wise use of money comes with a good savings plan and if you need to borrow we encourage you to save at the same time.  Approving loans to the value […]

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  • Car Finance-Personal Loan or PCP?

      PCP example Blues & Twos Loan Car – Advertised Price £20,000 £20,000 Deposit (usually old car) £5,001 £5,001 Monthly Payment (inc int) Dealership will help you decide £337.93 (4% APR Fixed-TTL Interest £1221.40) Term of Agreement 48 months 48 months Final Payment Dependant on monthly payments No balloon payment TOTAL COST How much will […]

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  • Savings & Loan cover is changing

    From 01 April 2017 your savings will be covered up to £3000, yes, these are matched in the event of your death and paid to your nominated person. We will also pay 100% of any difference between your loan and savings so that no one dies with a debt. To qualify; At time of death […]

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  • Increase in borrowing reported

    Already reporting an increase in lending, our members borrowed a combined total of just short of £690,000 in the last quarter of 2016. With our APR rate on new loans even less than ever before we hope to help more members during 2017. A B&T loan helps you avoid much higher credit card charges helping […]

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  • Lowest ever lending rate already popular

    Launched as part of the New Year celebrations & start of our 25th anniversary year, our best ever fixed lending rate of 4% APR available on NEW loans £7500 – £14999. With Blues & Twos rates more competitive than ever, members are asked to consider Blues & Twos and check out our rates for all […]

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  • Busiest day recorded

    Busiest day recorded by our Member Services Team.  Monday 19 December and the last day for BACS transfers saw over £105,000 transferred to members for their last minute Christmas shopping.

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  • Extended Opening at Preston Office

    Due to popular demand we extended the opening hours of our Preston Office at County Hall, to three days (12noon-2pm).  The office near the Pitt Street is popular with members working in County Hall and local areas.  Here you can discuss with a member of our team, in private, your borrowing and savings needs.  We are […]

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  • Leaving your employment does not mean leaving us

    Here at Blues & Twos our professional friendly staff will help you organise your transition from employment to pension or otherwise.  All our members are valued highly and just by contacting [email protected] or 01772618833  we will ensure continuous contributions into your account and don’t forget up to the age of 65 yrs we continue to cover you with FREE […]

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  • We serve more than 7200 members

    Across Lancashire & Cumbria we serve you and more than 7200 of your colleagues employed in the emergency services, for local and county councils, in schools, colleges & universities.  We also look after over 200 juniors savers.  Our members have collectively more than £11 million saved with over £5.8million out on loan.  On average we […]

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  • Blues & Twos April Prize Draw – The Winners

    Blues & Twos April Prize Draw – The Winners 1st Prize £500 KEELEY HAYTON 2nd Prize £150 PAUL HINDLE 3rd Prize £50 JOHN KIRKWOOD 4th Prize £25 ANITA FISHWICK 5th Prize £25 SIMON BANFIELD 6th Prize £25 GARETH JONES 7th Prize £25 PAUL SIMPSON 8th Prize £20 CHRISTOPHER GATELY 9th Prize £20 ZOWIE PILLING 10th […]

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  • Best wishes from your Credit Union

    As we thank our members for their support this year we would like to wish everyone a Merry Christmas and a happy healthy 2017.  The credit union office will be closed from 4pm on Friday 23 December until Thursday 29th opening from 10am-4pm, and open Friday 30th 9am-3pm and open on Tuesday 3 January from 10am.

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  • Speediloan Success

    Most popular loan product at the half year point is most definitely the Speediloan. It’s quick and easy online application is all that’s required and avoids the member having to dig out and submit numerous documents. A decision is reach where possible within 24 hours and funds transferred by BACS straight into your bank account. […]

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Authorised by the Financial Conduct Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority Reg No 213538

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