Supporting your Employees

An increasing number of employers are taking action to improve employees’ financial wellbeing and see offering Blues and Twos Credit Union to their employees working in Lancashire and Cumbria, as good practice to help them observe financial wellbeing at work.

Recognising the many different aspects of wellbeing, from leadership & culture, through to physical, mental and financial wellbeing. Outstanding employers have woken up to the effect that employees’ financial concerns can have on their broader wellbeing and ability to perform at work. The link between money and mental health can result in everything from financially stressed employees losing sleep at night, to more serious long-term mental health issues. Employers benefit from well-designed financial wellbeing already offered by this well-established credit union to help workers who are worried about money and are unlikely to perform at their best.

Establishing how best to support your employees isn’t always easy and can be challenging.


With help from Blues and Twos you can:

  • show & offer support to your employees
  • Get involved & help individuals with their personal finances
  • work towards better employee financial wellbeing to help achieve your broader business goals
  • link financial wellbeing to other areas of workplace wellbeing


A clear inclusive financial wellbeing strategy need not be complicated for the employer. Blues and Twos Credit Union have been encouraging members to SAVE for over 27 years, BORROWING only what they need at competitive APR rates, helping the employer go beyond the ‘lip service’ of standalone financial benefits and take a joined-up approach, making financial wellbeing part of a wider workplace wellbeing programme.

All helping the employee…

  • Take control – explore financial education and take control of their finances.
  • Get into a savings habit – enabled employees to see how small changes in their day-to-day spending could add up to a significant pot of savings over time.
  • Cope with the unexpected – help employees to focus on being able to resolve a financial crisis and be positive towards unexpected emergency expense.

As more employers begin financial wellbeing journeys and others evolve using learnings from earlier experiences, this area of wellbeing will grow fast. While there is still resistance from some employers who see employees’ personal finances as none of their business, there is now far greater understanding that a productive workplace culture is intrinsically linked to all aspects of wellbeing. “Financial wellbeing has a major part to play in us all achieving our goals”

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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

  • July SAVEfest Winner!

      Congratulations to John Baxter who was the winner of our £25 SAVEfest promotion, held in July. John said that he “Supports the introduction of the Engage Card service and it’s easy access on the go”. Thanks to all the people that entered. Engage offer an ethical prepaid card that gives you everything you expect […]

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  • August SAVEfest is Here!

    August marks the last month of SAVEfest. Back to school can be a costly time for many, a Credit Union loan could help you spread the cost of bus passes, uniform, textbooks, equipment etc. Anyone who takes out a loan of £500 or more will be entered into a £25 prize draw. All loans ranged […]

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  • Feedback Prize Draw

    Congratulations to our member Mr Buckley on winning our Feedback Prize Draw.  The Feedback given was: – Was the online loan application easy to understand:  Yes Was the online loan calculator easy to use:  Yes Was the information we provided on receipt of your application useful and informative:  Yes Comments:  I don’t think you could […]

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  • Your Credit Union SAVEFest is here

    YOUR CREDIT UNION SAVEFEST IS HERE Enjoy Promotions, Prizes and more this summer Blues and Twos are celebrating SAVEfest throughout this summer period, with help from all our members.  Blues and Twos SAVEfest is part of our continuous work encouraging members to save regularly direct from their pay, with prizes, special promotions and more. We […]

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  • Blues & Twos join the Wellbeing team…

    Thank you to everyone across the county who came and said “Hi” during the fortnight of events working alongside the Lancashire Constabulary’s Wellbeing team. It was lovely to meet with Peer Supporters, Macmillan Cancer Nurses and many others including Alfie the therapy dog.  A constant queue for health & well-being checks gave us an ideal opportunity to […]

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  • Great budgeting starts with Blues and Twos…

    Dreaded in summer and much talked about by late Autumn – Christmas.  Why not make yours better this year with faster share withdrawals and instant access to your savings through the credit union’s Engage PrePaid card.  A great budgeting tool that offers same day fund uploads.  Keep your Christmas funds on one card away from […]

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  • Happy Birthday!

    We love it when members of our team have birthdays!  Happy Birthday Jenny and Jonny – Thanks for the scrummy cakes. We send our members their annual statement every birthday.  Have you registered for yours to be sent by email? To do this, simply sign into our secure portal and complete the Annual Preference Form.  […]

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  • Workplace Well-being with Blues & Twos help…

    Find out what Blues and Twos can do to help your organisation, your team meet their Well-being goal… Supporting your Employees  

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  • Over 18 & under 25? – SAVEFest is for you – Join today

    Blues and Twos encourage more under 25’s to start saving with the Credit Union’s Summer SAVEfest promotion.   18-25 yrs old are encouraged to save each month and helped along with a £15 credit paid into their new account on the day of opening during July 2019. Promo Code SAVEFest19 Accounts must remain active for at […]

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  • Get away this Summer with a low cost loan

      GET AWAY THIS SUMMER Apply for a low cost Credit Union loan Blues and Twos offer you a chance to get away this summer, simply apply online and get the money with no delay. Loan agreements now signed via electronic Signature for a speedy service. You pay no administrative fees and no early redemption […]

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  • Helping Members with Holiday Payments

    Our lending team are working hard to approve members holiday loans as quickly as possible, funds are paid directly into your bank account THE SAME DAY. No Administrative fees, no Penalty for repaying early click here to calculate your repayments now.

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  • Blues & Twos Society Lottery

    The Winners of the June Blues and Twos Society Lottery draw are now available to view.  “You have to be in it – to Win it!”

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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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  • 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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