Eligibility

To become a member of the Blues and Twos Credit Union you must fall within our “Common Bond” Qualifications.

1) An individual who follows the occupation of:

  1. a police officer (sergeant and below)
  2. a fire service officer (watch manager and below)
  3. an ambulance technician/paramedic
  4. a civilian support officer in the police, fire and rescue or ambulance service
  5. a senior officer within the police, fire and rescue ambulance service
  6. a teaching and education professional
  7. a police and community support officer
  8.  a health professional
  9. a clerical, administrative, catering, domestic or professional support officer, to the individuals in (1-9) above,

In Lancashire or Cumbria.

2) Be an employee, or retired member previously employed by, one of the following in Lancashire or Cumbria:

  • Police, Fire or Ambulance Service
  • Unison
  • Lancashire County Council
  • Cumbria County Council
  • Allerdale Borough Council
  • Barrow-in-Furness Borough Council
  • Blackburn & Darwen Unitary Authority
  • Blackpool Unitary Authority
  • Burnley Borough Council
  • Carlisle City Council
  • Chorley Borough Council
  • Copeland Borough Council
  • Eden District Council
  • Fylde Borough Council
  • Hyndburn Borough Council
  • Edge Hill University
  • Runshaw College
  • Euxton Hall Hospital
  • Fulwood Hall Hospital
  • Highgrove Clinic, Carlisle
  • University of Cumbria
  • Local Pension Partnership
  • Lancaster University
  • Renacres Hospital
  • BMI Healthcare
  • The Cumbrian Clinic, Whitehaven
  • Lancaster City Council
  • Pendle Borough Council
  • Preston City Council
  • Ribble Valley Borough Council
  • Rossendale Borough Council
  • South Lakeland District Council
  • South Ribble Borough Council
  • West Lancashire Borough Council
  • Wyre Borough Council
  • National Crime Agency
  • Home Office
  • Ministry of Justice
  • Police Federation
  • Office for the Police & Crime Commissioner for Lancashire or Cumbria
  • Blues & Twos Credit Union
  • National Offender Management Service
  • British Nuclear Fuels Limited
  • University of Central Lancashire
  • Lancashire Teaching Hospitals NHS Foundation Trust
  • Lancashire Care NHS Foundation Trust
  • North Cumbria University Hospitals NHS Trust
  • Lancashire Enterprise Partnership

In Lancashire or Cumbria.

3) An individual who is a member of one or more of the following:

  • Unison
  • Unite.

4) An individual who is employed by the employers providing services by way of contract to the employers in 2 a) above, in Lancashire or Cumbria.

  • c) a body corporate, an individual in his/her capacity as a partner in a partnership, an individual in his/her capacity as an officer or a member of the governing body of an unincorporated association, if the body corporate, partnership or unincorporated association:
  • – are the above employers or
  • provides social and welfare services to the above employers.

5) An individual who is associated with other members through:

  • Receiving a pension as a result of following the occupations in rule 7(1); or
  • Receiving a pension from the employers in rule 7(2)a.

6) An individual who is a member of the same household as, and is a relative of an individual who is a member of the credit union and falls directly within the common bonds specified above. Once you have joined close family members living at your address may also apply to join.


How to Join

Please complete the Online Membership Application Form. Under the Distance Marketing Directive you have the right to cancel your account within 14 days. In line with the necessary identify checks required by law we will undertake identification verification as part of your application. If we are unable to do this electronically we will ask you for alternative identification. There is no charge for this service.

OR

You can download the Membership Application Form, enclose your relevant identification documents (see below) and post to the credit union office. If you prefer not to supply your original identification documents, you can elect to have your details verified by electronic means. Please indicate this on the form – There is no charge for this service.


Identification Verification

In common with all other financial organisations we are obliged to obtain information to confirm your identity. You can supply documentary evidence of your full name, permanent residential address and date of birth before your account can be opened.

Different documents must be produced to prove your identity and your address. All documents must be originals, copies cannot be accepted. They can be produced in person at our office and returned to you immediately or they can be sent by post, together with your completed application form, and returned to you by post as soon as possible ( see list below). Alternatively we will obtain information from a reliable and independent source.

Please provide one original document from each section.

Evidence of Full name/date of birth
Current UK Passport Current UK Driving Licence
Current Shotgun or Firearms certificate
Recent evidence of entitlement to state or local authority benefit or tax credit

Evidence of Full name/Residential Address
Current Council Tax or Water Rate demand letter
Recent utility bill(gas/electric) but not those printed from the Internet
Recent statements – bank, building society, credit card etc.
Other – council rent card, tenancy agreement

If you do not have any of these documents or are unsure about which ones to use, contact the office on 01772 618833 and speak to a member of staff.


Is my money safe with you?

Important information about compensation arrangements

YES – Like the banks and building societies, 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. From the 1 January 2017 the deposit protection limit is £85,000. If your bank, building society or credit union fails, the Financial Services Compensation Scheme (FSCS) protects your eligible deposits up to the deposit protection limit. 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. Click to Download FSCS Coverage Information (3836.3kb)


Important Notice – Leaving your employment?

If you are leaving your employment please contact us. Let our professional and friendly staff help you organise your finances. Remember – Saving a little each month gives you those rainy day funds that have, for years, been really useful particularly when you needed them most.

We understand when a member leaves their employ they may be feeling unhappy; concerned, may even want to cut any ties with employer. We can’t promise to help with all concerns but we will try and help with financial concerns. Keeping your Blues & Twos account open could be a real life saver later on. There are times when you should leave some things as they are whilst you sort out more pressing issues. We can reduce your monthly saving to £10, you can always increase what you save at a later date. Contact the office today if your circumstances are changing or have changed and see how we can help you.