FAQ

Have a question not asked here? contact us at enquiries@bluesandtwos.org.uk

  • 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 enquiries@bluesandtwos.org.uk 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, 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

  • EASTER OPENING TIMES

    Our office will be closed from Good Friday through to Easter Monday. Office will reopen on Tuesday 23rd April 2019 at 10 a.m. Don’t forget to enter our Easter Competition to be entered into a free prize draw to win a £25 ‘One for All’ Voucher.  Closing date Easter Monday

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  • Blues & Twos Society Lottery

    The Winners of the April Blues and Twos Society Lottery draw are now available to view.

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  • Get a cracking start to your Easter Holidays…

    Get a cracking start to your Easter Holidays with a Blues and Twos Loan Borrow £500 for under £50 per month! Simply click here or visit our website www.bluesandtwos.org.uk to apply online for a decision within 24 hours (you may find our loan calculator helpful, which doesn’t impact on your credit score) Here at Blues […]

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  • Easter Competition

    Guess the Number of Eggs to win a £25 ‘One for All’ Voucher. Submit entries by email to enquiries@bluesandtwos.org.uk stating your Membership Number, Amount of Eggs and best contact telephone number. Closing date 22nd April 2019 (Easter Monday)  To be drawn on Friday 26th April 2019

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  • Credit Unions play an important role in today’s UK economy…

    Relevant for the modern age…Watch this 3 minute clip highlighting the important role played by credit unions within the UK economy.  

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  • PRIZE DRAW WINNERS – MARCH 2019

    PRIZE DRAW WINNERS – MARCH 2019  ***FIRST PRIZE – £500*** LANCASHIRE POLICE ***SECOND PRIZE – £150*** JOHN COOKE 3rd Prize £75 ANDREW HOBSON 4th Prize £25             MATTHEW LEIGH 5th Prize £25 LINDA JAMES 6th Prize £25 JASON MOORE 7th Prize £20 RETIRED POLICE 8th Prize £20 MICHELLE PURCELL 9th Prize £20 KATHRYN CUSSANS 10th Prize £20 ALISON SMALLEY 11th Prize £20 MICHAEL PINCKARD 12th Prize […]

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  • Website disruption solved..

    We are sorry for any inconvenience caused over the weekend when the website went down.  This has been investigated by website providers and now working normally.

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  • Credit Union receives letter of thanks…

    Blues and Twos received a letter of thanks from the Salvation Army for December Christmas collection.  The Salvation Army gave an extremely big thanks for our help in Preston.  It is understood they collected enough to help 291 families and a total of 908 food bags were given out.  Well done to all who help at the Salvation Army!

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  • Special retirement wishes…

    Special Retirement wishes were given to Marion Bolton on her last day with the Blues and Twos.  The Chair, Mike Beeston, Vicky Harrison (CEO) and the team met for breakfast and presented Marion with flowers, bubbly and thanks for her hard work and team spirit over the last three years.  Marion said she is planning […]

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  • A big thank you to members…

    Our third year collecting non-perishable food items and toiletries went well and your donations have been  delivered to the Salvation Army.  Thank you to all members who offered their support to this good cause.  

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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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