FAQ

Have a question not asked here? contact us at [email protected]

  • Can I request a BACS transfer to a third party?

    For BACS transfers you are asked to confirm your bank details using the BACS form provided and we will only transfer funds to your account.  You may have more than one account registered with us.  We do not store Third Party payment details so if you are wanting to pay a ‘Third Party’ you can request this on a Share Withdrawal form and we will post a cheque to you.


  • How do I register and log-in to my account?

    To “Register” for online access to view your Savings & Loan Account balances, send in your online requests and much more….  Simply click on the ‘Register’ link at the top right of our home page and complete the registration form or click here.  Please wait 24hrs for your registration to be complete.  Please note that when we are closed you may need to wait a little longer before logging into your account.


  • Who can join?

    When we started out in 1992 we were here for employees & retired members of the Lancashire Police, we extended our Common Bond to include Cumbria a few years later and now employees of Lancashire fire, ambulance service & employees of all councils in Lancashire & Cumbria can join … and it doesn’t stop here….  For full details of our Common Bond & who can join – please see the Applying for Credit Union Membership page.


  • How do I join?

    It’s really easy to join  – simply complete the online Membership form


  • How much must I save?

    Members must save a minimum of £10 per month, its amazing how fast this builds up.  Members who take out a loan must also save at least £10 & this can be used to repay your loan early without penalty.   The max you can save in any one month is £500. A dividend on the balance of your savings is calculated daily and paid annually gross of income tax.


  • How do I get a loan?

    Simply enter the amount you wish to borrow into our online Loans Calculator, decide on the best repayment period for you and select Online Loan Application. You can visit the Applying for a Loan page for more details. We will not ask you to select standard repayment periods such as 12, 24 or 36 months, you can ask for your repayment to be any period up to 5 years. If 32 months suits your budget – tell us!

    You will find our Loans Applications are strictly confidential and are processed as quickly as possible – usually within a couple of days. An added bonus is the Free life cover on both savings and loans. Life Cover Details >


  • How much can I borrow?

    In the first 6 months of Membership you can borrow up to £7,500.  When you have been a member for 12 months or more you can apply to borrow up to £25,000 and you don’t have to wait for your loan to end before applying for another one, so if you would like a car loan over 5 years and then after say 3 years you decide to change that car you just tell us and we will help you with repayment figures for your new purchase.  Alternatively you could use our Loan Calculator to help you work out repayment costs to suit your budget.


  • How do I pay?

    It couldn’t be simpler. You can save with us and repay a loan with us directly via your pay / pension or by standing order.  No hassle, no problems – what you’ve never had, you never miss! (as they say).


  • Can I get at my money quickly?

    Yes. We will send your funds directly to your designated bank account. You simply Download BACS Authorisation Form (262.3kb), complete and send to our office to register your bank current account details onto your Blues & Twos account. When you decide to withdraw some funds you simply submit an online request via the Members Area of this website or contact the office by telephone (01772-618833) or in person. We will send your savings to your bank. Alternatively you may request a cheque, this can also be done online. Should you wish, we will mark this cheque “Open for cash” and it can be cashed by you, at Yorkshire Bank, Fishergate, Preston. This cheque must be collected from one of our offices, it cannot be posted for security reasons.

    You could Download Prepaid Card application (380.5kb) and check out our credit union prepaid card. Funds can be uploaded onto your card same day and the card can be used wherever you see the Visa sign. Its a great budgeting tool!


  • Is my money safe with you?

    Important information about compensation arrangements

    We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a credit union is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

    In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the credit union, including their share of any joint account, and not to each separate account.

    For further information about the scheme (including the amounts covered and eligibility to claim) please call us on 01772 618833 or ask at your local Blues & Twos Credit Union office , refer to the FSCS website www.fscs.org.uk or call 0800 678 1100. Protecting your money – FSCS-A guide to how the FSCS protects your Money (933.9kb)


  • Do you have an office?

    Yes. Our main office is at Lancashire Police Headquarters. We are open Monday to Friday between 10am to 4pm. We also have an office within Lancashire County Council, County Hall, Preston. This office is open from 12noon-2pm on Mondays, Wednesdays and Fridays.

    Please Note: Personal callers at our main office are welcome but for security reasons if you are not currently employed by the police please contact the office to let us know when you will be visiting and bring some form of photo identification with you.

    Unlike a lot of banks you won’t have a multiple choice answering machine when you call our office – telephone calls are dealt with promptly when the office is open and personal callers are very welcome. Our staff are friendly and knowledgeable and will give any credit union member help and advice.


  • Can I apply for Additional Borrowing?

    Yes.  We understand you may have a loan with us and at some point in the future need extra funds.  We allow you to take out additional borrowing before your current loan ends & without charging you an early repayment penalty.  You can either pay off your existing loan using other funds and apply for a new loan or you can apply to Top-up your existing loan with a new loan.  We then set up a new loan for your remaining balance plus the extra amount you want to borrow, then we pay off your old loan. The new loan may have a different term length and a different interest rate. This may mean you pay more interest than before. N.B We allow up to 3 loans in any twelve month period.


  • I am experiencing some financial difficulty and I have a loan with you. What should I do?

    We understand that some members may experience financial difficulty at some point in their life.  We ask that you contact the office at your earliest opportunity to tell us your situation so we can see how we can help.


  • How can I make a complaint?

    Learn more about this…  


  • Can’t find the answer your looking for?

    Contact us on Tel: 01772 618833 or email us at [email protected] and we’ll be happy to answer your query


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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

  • Christmas only 12 weeks away.

    Dull night’s doesn’t mean dull lives with a Blues and Twos’s loan this winter. Why not apply for a speediloan (upto £3’500 – decision within 24 hours) by visiting our website http://www.bluesandtwos.org.uk/loan/loans/

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  • Engage Prepaid Card – See how much Cashback you could receive when use for Christmas Shopping!

    Paid monthly? Just 2 more pay days till Christmas? Apply for an Engage Prepaid Card & make sure you can make the most of your Christmas Shopping by receiving cashback on some of your shopping. Once you receive your card we will load funds directly from your Blues and Twos account on the same day […]

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  • Early Office closure – Friday 29 September

    The Blues & Twos Office will close at 1pm on Friday 29 September for Year End Accounting. We apologise for any inconvenience caused. Providing you are registered for online access you can “Sign into the Member Secure Area” at any time day or night.  Please continue to submit your share withdrawal requests and loan applications […]

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  • New £10 released 14 September 2017

    The Bank of England issued the new £10 note on Thursday 14 September – Have you seen one yet? The note features the renowned novelist Jane Austen and is the first UK banknote with a tactile feature to support blind and partially sighted users. Just over one billion polymer £10 notes have been printed ready […]

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  • 4% APR Fixed on loans £7500-£15000

    We offer 4% APR fixed on loans from £7500-£15000.  Unlike some lenders “The rate you see is the rate you get”.   We won’t ask you to start an online application and then change the rate whilst your filling in your details.   We don’t charge an arrangement fee, We don’t charge you a penalty to […]

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  • Bring the good things to life…

    With a little help from us, your Kitchen, holiday or car dream can be a reality.  With loans now up to £25,000 we aim to help as many members as we can to bring their dreams to reality by keeping the monthly repayment within your budget.  With a Blues & Twos loan you decide the […]

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  • Summer 2017

    How far will your money go?

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  • Getting to grips…

    Let us help you get a grip of your finances…. www.Bluesandtwos.org.uk

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  • Have you joined Blues and Twos?

    Save regularly with your Credit Union – £50 a month ( simple maths ) and you’ll have £250 by December or a possible £600 by next summer.

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  • Do you know we offer Corporate Accounts?

    Are you part of an organization that would benefit from a Blues & Twos account? With Instant Access Interest rates nationally at an all-time low you could introduce the convenience of Blues & Twos.  Over 7,000 of our members cannot be wrong and all funds deposited which will be subject to an Annual Dividend return […]

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  • Save and Borrow

    My mini is £300, my max £25,000. I can be 1 or 60 and i’m covered with free life cover. Yes i’m a Credit Union loan. Save and borrow today…Rates from 4% APR.

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  • New Website log-ins

    Not registered for your PIN on this new site?  Click here to register today with your new 4-digit pin 

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  • Something for Unison members…

    Members of Unison working in Lancashire & Cumbria can now join.  https://www.unison.org.uk/…/credit-u…/directory/north-west/ Are you eligible?http://www.bluesandtwos.org.uk/membership/memberships/

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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

    Are you aware your savings are covered up to £3000? 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 a member must have […]

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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 August Prize Draw – The Winners

    Blues & Twos Society are pleased to announce their Prize Draw Winners for August – Click here to view

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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

Protecting your money
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