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What is a Credit Union?


Blues & Twos Credit Union is a “not-for-profit” financial co-operative, which is owned entirely by its members who all have a common goal to benefit their community, as well as being run by a trained, professional team. Setting up the policies, compliance and strategic governance is the Board of Directors who draw experience from a variety of business/public sector backgrounds.

The Blues & Twos team offer you ethical savings and affordable loans, which means that you can save as you borrow! With a non-profitable credit union, we put the focus on ensuring that you are always provided with the best service, rather than maximising profits. This way, the credit union is run with the end goal of rewarding the members.

Latest News

  • Dividend delight for Blues & Twos members…

    Blues and Twos members agreed a very pleasing 1.25% dividend at the Annual General Meeting on Tuesday 11th of December. The AGM was opened with a tribute to Peter Bramley, former Treasurer who passed following a very short illness in August. Colin Berry a great friend and colleague for 50 years paid tribute to Peter, his […]

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  • Salvation Army Food Donations….

    This is our third year collecting, from you our members

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  • 2019 Blues & Twos desk calendars now available…

    Have you requested your 2019 desk calendar?  If not, send us a quick email to mailto:enquiries@bluesandtwos.org.uk confirming your work address and we will get them in the post to you. Any colleagues not currently a member?  Introduce them and you will receive £10 into your Blues and Twos Account once their membership is set up.  […]

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  • Blues & Twos Society – November Winners

    PRIZE DRAW WINNERS – NOVEMBER 2018  ***FIRST PRIZE – £500*** HELEN WHITTAKER ***SECOND PRIZE – £150*** RACHAEL PRICE  3rd  Prize  £75  PAUL ELLIOTT 4th Prize £25 FRANCIS SMITH 5th Prize £25 CAROLINE SHELSTONE 6th Prize £25 MARK HANSON 7th Prize £20 LANCASHIRE POLICE – SPECIAL BRANCH 8th Prize £20 D BROWN 9th Prize £20 LANCASHIRE POLICE – G DIVISION 10th Prize £20 […]

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  • From 1st January 2019

    With effect from 1st of January 2019 the credit union will no longer accept bank notes or coins.  Members wishing to make adhoc payments into their account may do so via their online banking.  Please call the office if you would like further information.  We apologise for any inconvenience this may cause.

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  • B&T Lottery – Have to be in it – to win it!

    The Blues & Twos Society is an independent organisation totally separate from the credit union.  It is run by a group of credit union volunteer members who raise money through a monthly drawn lottery.  This money helps to keep down administration costs for the credit union and so provide a better service and dividend to […]

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  • Car Finance – No final lump sum or balloon payment

    Option 1 – Fixed APR CAR LOAN Finance amount – £10,000 Monthly repayments – £183.67 Total repayments – £11,020.15 Term – 60 Months APR – 4% Fixed Optional lump sum – Nil     Option 2 – Homeowner Fixed APR CAR LOAN Finance amount – £15,000 Monthly repayments – £275.51 Total repayments – £16,530.19 The […]

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  • Work not Worry with a Blues and Twos account

    The Association of British Credit Unions, known as ABCUL, have launched a campaign just yesterday that focuses on raising awareness of the benefits for employers to partner with credit unions in offering their staff payroll membership. If you are an employee, you can also suggest your employer partner with a credit union. Payroll membership is […]

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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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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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