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  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.lancashire.gov.uk

    Lancashire County Council is here to serve the people of Lancashire, providing the best quality services to help everyone in our communities to reach their full potential

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.lancsfirerescue.org.uk/

    Lancashire Fire and Rescue Service provides fire and rescue services to the one-and-a-half million people living or working in Lancashire, on behalf of the Lancashire Combined Fire Authority. Operating from thirty-nine fire stations across the county, a service headquarters at Fulwood in Preston and a large training centre, Washington Hall at Euxton, we employ over 1500 staff in a variety of roles to provide services every hour of the day, every day of the year.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.narpo.org/

    National Association of Retired Police Officers (NARPO). We are a member organisation representing retired police officers of all ranks and police widows from police forces throughout England and Wales. We offer a range of services to members including advice on pensions and other issues affecting the welfare of our members. NARPO is a branch based organisation formed in 1919 and there are four Lancashire Branches: Burnley, Lancaster and Morecambe, Blackpool and Preston and District. For further details and to join please visit our national website.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.polfed.org/

    The Police Federation of England and Wales (PFEW) is a national body which represents Police Officers up to and including the rank of Chief Inspector. We are a representative body, similar to a Trade Union but without the right to resort to industrial action. Our statutory remit is ‘Welfare and Efficiency’. Each of the 43 Forces has a joint Branch Board [JBB] which is made up of 3 individual Rank Boards (Constable [CBB], Sergeant [SBB] and Inspector [IBB]). If you wish to know more about the Federation and why it’s so vital to have collective strength for workplace representation, please visit our website. We are still fighting hard for your rights today.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.lancashire.police.uk/

    Lancashire Constabulary is one of the top performing police forces in the country and we lead the field in our approach to policing communities click here to find out more.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.cumbria.police.uk

    Cumbria Constabulary building a Safer and Stronger Cumbria

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.moneyadviceservice.org.uk/en/tools/health-check

    The Money Advice Service was set up by government. We’re independent and give free, unbiased advice to help you make the most of your money.  Click on the link to  see how you can make the most of your money by answering some simple questions about you and your money.  The free confidential health check will show you what you can do in easy-to-follow steps. It only takes 5-10 minutes and you won’t need any paperwork.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.unison.org.uk/

    UNISON members’ credit union network.  Unison is working with Blues & Twos to offer Unison members (see our Membership page for eligibility) in Lancashire and Cumbria, an alternative safe place to bank, affordable loans to suit you & great savings and budgeting plans.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.abcul.org/

    The Association of British Credit Unions Ltd (ABCUL) is the leading trade association for credit unions in England, Scotland and Wales.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.woccu.org/

    World Council of Credit Unions is the global trade association and development agency for credit unions. Our international development programs assist credit unions and their associations with building efforts, providing access to the underserved, developing integrated business networks, supporting communities at risk and encouraging legislative reform and regulatory system development.

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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

  • The Sun doesn’t have to end here…

    Dont get hot & bothered booking a holiday. Take a Blues and Twos loan and spread the cost. Quote for £1000 over 12 months : Representative example APR is 18% (fixed). Monthly payment of £91.08. Administrative fees £0, Total Repayment £1092.96.

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  • Spring clean your finances.

    As its the week of the Grand National, there’s no need to get caught up in jumping hurdles. Why not spring clean your finances with Blues and Twos.

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  • The well-being of your finances

    SPEAK TO YOUR CREDIT UNION FIRST… Before reading on, please note: It is part of your credit union’s ethos to educate members in the wise use of their money, we cannot give advice to members in terms of Bad Debt and financial issues however we can warn you on the dangers of making hasty financial […]

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  • Spring into action.

    Spring into action with a Blues and Twos Home Improvement loan. Amount of loan Term Monthly Repayment Total Amount payable £7,500 60 months £150.65 £9037.77 7.9% APR Fixed for the duration of the loan – Terms and conditions apply.  No penalty to repay early.   3–60 month terms available.  Figures are an approximate guide – Correct at […]

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  • National Probation Service Employee?

    Great News – We’ve made SAVING & BORROWING even easier for employees of the National Probation Service (NPS) working in Lancashire & Cumbria.  From 1st of April, deductions can be direct from your pay.  For more details contact our member services team on 01772 618833 or enquiries@bluesandtwos.org.uk.

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  • New look B&T Society

    Following the Society’s AGM a decision was taken to revise the monthly prizes raising the lowest prize from £10 to £20 and keeping the twice yearly Bumper Prize Draw.  Prizes starting at £20 through to £500 every month and £1000 twice a year, July & December.  Blues & Twos Society Membership means you are offering even more […]

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  • March into Spring

    into Spring with a Blues & Twos account Apply for an Engage Card before Easter, to receive your free £10 upload onto your card upon activation* NEW MEMBERS CAN JOIN AND APPLY TODAY ONLINE WWW.BLUESANDTWOS.ORG.UK OR RING OUR OFFICE 01772 618833 Instant access to savings & competitive Annual Dividend   Easy to save with salary deduction   […]

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  • Flip Your Finances …

    Flip your finances this Pancake Day with a Blues and Twos regular savings account. Saving every month helps you manage those unexpected costs and enjoy your well earned money.

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  • Fairbanking 5 Stars Award goes to Blues & Twos…

    The Fairbanking Mark was awarded by the Fairbanking Foundation following a rigorous assessment which includes independent research involving borrowing members of the credit union. To receive the Fairbanking Mark, this research had to confirm that members have changed their financial behaviour for the better by having the product.  Following the 5 stars Award, on behalf […]

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  • Your 2018 Holiday Loan

    Pay off your holiday balance in full before you travel with a Blues and Twos Speediloan.   Amount Borrowing Repayment Period Monthly Repayment Total Payable £1000 6 Months £174.88 £1048.72

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  • Winner of Member No 12000 Competition

    Welcome to Kirtsie Fenn who joined our membership and was the winner of our “Member no 12000” competition winning a £50 One4all voucher.

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  • Need help with your New Years Resolution?

    Struggling to decide on the best New Years Resolution?  Or have you so many you don’t know where to start? Your 2018 is dependent on the decision you take today! Want to save something every month but need to reduce outstanding debt/credit cards? We can help you with both + more Contact our Member Services […]

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  • Registering for online access….

    Have you registered for online access to your account?  Register today   Online Access helps you manage your account and makes easy online BACS withdrawal requests, Changing the amount you wish to save, Applying for a loan.

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  • Need money the same day? Apply for a Prepaid Card today

    “No money Friday morning, weekend warning. Loaded Engage card Friday night, weekend delight.” Order your prepaid card today http://www.bluesandtwos.org.uk/membership/prepaid-card/ Card will be received within 2 weeks ready to upload the same day.

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

    Get it while you can –  4% APR fixed on loans between £7500-£15000.  Unlike some lenders “The rate you see is the rate you get”.   We won’t ask you to start an online application then change the rate  – We don’t charge arrangement fees – We don’t charge penalties to settle early – WE DO […]

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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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  • 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 enquiries@bluesandtwos.org.uk 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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