Passionate about helping you SAVE, there when you need to BORROW Proud to be helping over 8800 members with good financial well-being direct from their pay / pension Join the Blues and Twos family today Opening new accounts promptly for those in need of a little extra help right now during the Covid-19 situation


What our members say about us

We are delighted to receive your comments on the service you receive from us.  Good or not so good, if the service you receive is or is not to the highest standard we want to hear about it. Please send your feedback positive & negative to Please include your name and membership number alternatively you could download our feedback form and send using our freepost address.

  • Thank you all so much for the wonderful job you do in running our Credit Union, for the excellent customer service, the user friendly website and regular updates.  With love and gratitude.  Collette Kennedy.

    Collette Kennedy

  • Many thanks, for all the teams efforts  this year,  they are very much appreciated. As a member, it is always wonderful to speak to anyone in the office, and be greeted with courtesy, a switched on attitude as well as a cherry manner. Can’t  say enough in appreciation of all of your efforts this year. All the best of the season to you.

    David Sykes

  • I have been with Blues and Twos over 10 years. It is so easy and simple to deal with.  Since my IT skills are hopeless its wonderful to be able to speak to someone.  The response is very clear and always willing to help and sort the difficulties going an extra mile to do things.  I have been struggling to sort out with my pensions for transferring money to Blues and Twos but B&T staff sorted it out by contacting directly on my behalf.  Wonderful and stress free service.

    S Karimullah

  • “I had absolutely first class service from start to finish of my application.  Nothing was too much trouble and I was kept up to date with my application with no less than four phone calls!  Thank you very much Blues & Twos!”

    J Casey

  • I have been a member for a number of years, the staff are always helpful and professional.

    Janet McDonald

  • Anna has been so understanding and patient. I know my application was complex and she helped me through it all.

    I can’t thank her enough.

    Louise Abbott

  • Best thing I ever did was saying yes to Blues and Twos. It’s the easiest way to save, coming straight out of my wages. My savings taking my husband and myself all round Scotland travelling. The staff are very approachable and helpful when contacting them and my savings are easily retrievable. The website is very easy to navigate. I hope I will be saving with them for many years to come!

    Nova Gledhill

  • Your People are so professional, easy to understand and made borrowing easy, Thank you!

    David Spencer

  • Blues and Twos treated me with respect and understanding. I had a “not great” credit history due to unforeseen personal circumstances. When I applied for a loan I was assisted by Anna, she was so understanding and patient and not once did she make me feel ashamed. Thanks to Blues and Twos my credit rating will improve greatly. Blues and Twos have made a great difference to my life for the better. There’s nothing worse than debt problems, they can make you feel so lost and alone. My advice would be ring Blues and Twos and speak to a member of staff, they wont judge, they will do their best to help or point you in the right direction of some one who can.

    Jill Tugwell

  • I used the credit union last year for a car loan and the service was excellent


    S Bryan, ICT West Lancs

  • I am a passionate supporter of Credit Unions. Blues and Twos are fantastic because the staff at the end of the phone are fab! Professional, patient, always answer any questions so that I can understand.

    Keep up the good work!

    Jill Brennan

  • Always an excellent speedy service.  Far less fuss than a bank and communication is polite, professional & informal.  B&T customers are always addressed by their first name.  I have been using them to save & borrow for 4 years and wont go anywhere else.

    T White

  • Online Loan application was straight forward and the new faster payments for Speediloans paid the loan into my bank the same day.

    W Harrison

  • As a Blues and Twos member it was easy to apply for loan, got the decision very quickly.  Friendly customer service is simply the best.

    Harun Chowdhury

  • I very recently had occasion to deal with the office staff an senior staff of Blues and Two’s Credit Union to say they were extremely professional and helpful is an underestimation. They were excellent.  My enquiry received immediate attention whilst I was on the telephone there was none of the infuriating press button 1 or wait for someone to answer.  With simple information as to my membership and password I was given all the information I required.  Having recently dealt with the high street banks for an account I can say that the personal touch is much more acceptable to the customer.  Many thanks to ALL the staff at B&T’s.

    K Rowley

  • I was extremely pleased at how fast Blues and Twos processed my loan application.  Especially as it was online and via phone.

    D Harrison

  • Many thanks to B&T staff for friendly, efficient and prompt help and advice arranging my loan.

    A Owen

  • Would highly recommend and helped me out on many occasions.

    C Green

  • Very easy to apply for loan.  Approachable friendly staff.  Trusted serviced.  Now I will come to Blues and Twos first.”

    L Hill

  • Great Service, quick response, staff are polite, friendly and helpful.  Would definitely recommend to others.  Saving scheme is great too.”

    D Mcloughlin

  • I have nothing but praise for Blues & Twos.  The staff are friendly, helpful and efficient and the whole process of applying for the loan was straight forward and stress free.  Thank you!”

    K Rae

  • “I decided to run a marathon back in 2013, just after I’d joined Blues and Twos. It seemed a good idea to choose somewhere really special for my first 26.2 mile run, so I decided on Paris. Having my savings account helped me to turn this into a mini holiday, and I ended up going for 5 nights, which gave me lots of time for sightseeing and soaking up the Parisian atmosphere. I also managed to raise in the region of £1000 for Macmillan Cancer Research – the thought of sponsorship really helped me in those last few miles. I enjoyed the experience so much that within 4 days, I’d booked myself on the Chester marathon in October 2014.”

    K Burnett, Head of Human Resources, Hyndburn Borough Council

  • “Easy & quick service, helpful staff.”

    T Otway

  • “The application was very straight forward and easy to complete.  Once received the loan was agreed and processed very quickly.  All staff are very friendly and helpful.”

    A Clark

  • Blues and Twos have helped me many times with loans and saving for Christmas.  Without their help I would really struggle with maintaining my car etc.”

    D Mcloughlin

  • “Firstly I must apologise for sending this later than intended.  I have been with the Credit Union for several years and have always found the staff to be helpful and offer good advice.  They explain everything and the process of obtaining a loan is quick and simple as well as being prompt.  I would have no hesitation in recommending them to other people.”

    K Jackson

  • “I came in person to the office and was dealt with very courteously and promptly by the assistant.  I was given assistance filling out the loan application form and the process was explained fully.  I received a phone call within 3 hours notifying me of the successful outcome of the application.  I would call this excellent service!”

    J Kirkwood

  • “I found the advice from Anna very helpful, filling in forms can be very distressing and people can be left feeling very uneasy but I found this all very well organised and with the help and support given by Anna, the whole episode of applying for a loan was very easy.”

    J Sumner, Councillor, Lancashire

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Credit Union Loans and Savings

Blues and Twos Credit Union is “Here to help you Save, and there when you need to Borrow”. Owned entirely by its members and managed by a trained and professional team.

The Blues & Twos team are passionate about improving the financial well-being of all members and offer you regular saving encouragement and affordable credit union loans, repayments direct from your pay or pension, which means that you save as you borrow.

Regular savings direct from salary that you can withdraw at anytime, no account fees, no annual charge, annual dividend payment.

Affordable loans up to £25,000, with no early redemption fees or hidden costs, repayments directly from your wage.

Free life cover on your savings up to the age of 75, at no extra cost.

We help over 8800 members to manage their finances, we encourage you to join today and start enjoying the benefits.

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. Join Blues and Twos today!

Latest News

  • “Introduce A Friend” Competition Winner

    Ken, an NHS employee from the Blackpool area is the lucky winner of our recent “Introduce a Friend” Competition winning a £50 credit to his Blues and Twos account’. Ken found out about Blues and Twos via his colleague. For more information on our Savings accounts, please visit our website. Already a member, introduce your […]

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  • A little Eggstra for Royal Preston Hospital childrens ward…

    A little ‘Egg’stra for Royal Preston Hospital children’s ward… Vicky Harrison, Blues and Twos CEO, said “it was lovely to meet with the team on Ward 8 and so pleased they will find good homes for the chocolate eggs from our Easter competition”. Thanks to all our members who entered the guess the eggs competition […]

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  • An “Egg”stra special Easter for one member…

    An Eggstra special Easter for one member… Thank you to everyone who took part in our “Easter Guess the Eggs” competition, over on our Facebook page.  We are delighted to announce Christina Ibrams guessed the exact number of eggs  and said “ My guess is 41 eggs and donate to a children’s ward or food […]

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  • Open Banking is Now Here

    As a regular user of online banking Apps on your mobile device, tablet or PC you can arrange to view all your bank accounts in one place. You may have already done this with your bank or building society. Registering for Open Banking is so easy and helps you gather your bank statement data really […]

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  • Lancashire HAF Easter Offer!

    Easter is not cancelled, over the Easter Holiday period, entitled ‘Discover Camp’ , is here to make your children’s Easter the best one yet! Here is some important information about the offer and some key information / resources for parents / carers, so they can benefit the most during the holiday period. The Lancashire HAF […]

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  • Guess the number of Eggs in the display!

    It’s competition time! Visit our Facebook page, comment your guess on our pinned post, then like our page to be in with the chance of winning a £50 voucher. This competition is only available for members of Blues and Twos Credit Union, if you are not a member, see if your eligible to join here. […]

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  • It’s a WIN for the Blues and Twos Marketing Officer…

    Celebrating the achievements of this year’s Credit Union Futures students at a first ever online graduation event for the Association of British Credit Unions.  Congratulations went last night (11th March) to Blues and Twos Marketing Officer, Jonathan Boult, who with Emily from Advance Credit Union, won best final presentation.  Vicky Harrison, Blues and Twos Chief […]

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  • Consolidate and Save loan

    Consolidate your high-interest cards / loans into one single Blues and Twos loan with affordable monthly repayments. A Blues and Twos Consolidate and Save loan will put all your credit in one place and we encourage you to save each month. Applying for a loan with Blues and Twos could mean that you are paying […]

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  • Blues and Twos Bumper Lottery Draw Winners

    The Winners of the December Blues and Twos Society Bumper Lottery draw are now available to view.  “You have to be in it – to Win it!” The Bumper Draw, involves an additional prize of £1,000!  If you would like to join, or increase your number of chances, send an email to with your a/c […]

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  • All well at our first online AGM

    Welcoming members to our first ever online AGM, Michael Beeston, Chair of Blues and Twos addressed the membership and spoke of the very different year including the positive technological drive to further improve services to members during the current pandemic and thanks to the organisations who partner with us encouraging their employees to save via […]

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  • The (quick fix) IVA – The Truth you Need to Know

    Blues & Twos recently received paperwork from an Individual Voluntary Arrangement (IVA) company.  Our member owed a maximum of £5,900 across three creditors (3 loans/credit cards).  The IVA company wanted to charge our member £3,750 in fees (63.5% of the members total debt) and this was just to set up the arrangement. This fee, added […]

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  • Blues and Twos Awarded 5 Stars for Third Year

    Blues and Twos have had their 5* Fairbanking award renewed for the third year in a row! 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 […]

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  • Loan Survey Winner!

    A big congratulations to Monika Byrne, a Teaching Assistant at a school and is this quarters loan survey winner! Monika completed one of our loan surveys and was entered into our quarterly draw for £25 credit into their account. “I have always found my experience with customer service to be fantastic. Every member of staff […]

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  • Chat with us on NIVO

    NIVO is encrypted and secure.  Chat with us online Mon-Fri 10am to 4pm.  Here to answer your saving and borrowing questions.  Helping you provide any documents and information we may need for your applications and transactions secure and fast.

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  • Backup Buddy

    Backup Buddy is the mental health app for UK Police and Police staff, if you need any support or advise please get in touch with them by clicking here. The App covers a range of problems faced by officers and staff in the Police Service, such as anxiety, anger, depression, stress, Post Traumatic Stress Disorder, […]

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  • Your Health and Well-Being

    We are proud to be mentioned in the Lancashire County Councils guidance on where to find help if you are worried about your finances: Worried about money? If you or a member of your family are worried about reduced income as a result of the Corona virus this information will be useful to you. 1. […]

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  • Glad you have your Blues and Twos emergency fund to fall back on?

    We are all in this together… Many of us have never experienced such times as these and we hope never to have to experience them again. We hope members are managing to stay safe. This includes looking after your physical and mental health. Your well-being can be affected in different ways. Financial worries are just […]

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  • Be alert to scams

    The current global Coronavirus pandemic, Covid-19, along with the suspension of flights to affected countries are already featuring as ruses being used by criminals to convince people to hand over information. Criminals use many tactics to try and defraud people and convince them to hand over sensitive personal or financial information. The mode of attack […]

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  • Update on COVID-19

    These are difficult times for all organisations and in light of the government advice over the weekend around tackling the spread of the coronavirus (COVID-19) and possible further restrictions to come we have been considering how we can maintain all members services and keep our staff team safe.   We have already instigated our Business Continuity […]

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  • Coronavirus Business Contingency Plan

    It remains business as usual for the team at Blues and Twos, however as Corona virus spreads, we would like to update you on what we are doing to minimise any potential disruption and continue to provide you with the service you expect from us. We already have a business continuity plan in place for […]

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  • 10 Reasons a Credit Union Loan is Better than a PCP Agreement

    Personal Contract Plans, or PCPs, have recently become a popular way to finance a new car. Many dealerships can offer you a very attractive-sounding deal on the spot – affordable deposit, low monthly payments, and trade in the new car after 2-3 years… what could possibly go wrong. Victoria Harrison, Blues and Twos Chief Executive […]

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  • Are you financially Savvy?

    “For some people it just means a little more effort.  Some believe they are, some believe they can never be –  Controlling your finances isn’t easy but once you start you will be more positive” says Victoria Harrison, CEO, Blues and Twos Credit Union .  Saving a little each month on payday, being confident towards […]

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  • Blues and Twos Achievements in 2019

    V Harrison, CEO, Blues and Twos Credit Union It is a while since I ‘blogged’ so please bear with me on this….   The Government remain keen to expand the provision of financial services and consider credit unions to be relatively new at achieving recognition for safe savings, and community engagement. We know credit unions […]

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  • Reach your financial goals in 2020!

    No matter how small, or large your goals are Blues and Twos are here to help. It is important to plan for your financial future. Here are some examples of financial goals that you can consider setting for yourself: Pay off Credit card debt – We offer debt consolidation loans to members who are looking […]

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  • Great 2019!

    Wow what a year.  Targets exceeded in lending and new member recruitment. In its second year, the Blues and Twos Speediloan met targets to offer lower lending at affordable rates with same day funds.  Awarded the 5* Mark by the Fairbanking Foundation this product offers members flexibility, early repayment without penalty, and a loan up […]

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  • LCC Employees – Take a look at E-Learning here

    Log in to Astute – Astute is the LCC corporate elearning system and includes corporate elearning such as induction and health and safety. Please register for Astute using a unique work email address where possible.

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  • Money Lessons Everyone Should Learn

    Talk Money week kicked off Monday 18th November and is running all week, and aims to get the UK talking about financial wellbeing. Blues and Twos are getting involved in the drive to promote and improve financial wellbeing. We have created a small list to help you with your finances, and money lessons that we […]

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  • Passing of Blues and Twos former Supervisory Committee Chair

    It is with great sadness we inform you on the passing of John (Jack) Ward on Thursday October 24th, aged 81 years. Jack joined Preston Borough Police in 1963 and worked his way up to Head of Scenes of Crime and Federation Chair before retiring in the mid-1990’s as a Detective Inspector.  Jack volunteered his […]

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  • Improvements

    Over the past couple weeks we have received feedback from our loan process. Some members were finding it confusing to sign their agreement electronically, therefore we have reviewed our system and made a couple tweaks to make it easier for the members. We’ve put all the loan information required into one, easy to read, email. […]

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  • Your Health and Well being

    This September take time to talk, think and change… RELAX and let Blues and Twos help you with regular saving and ethical borrowing. Enjoy the range of benefits when you join today, like: Instant access to your savings FREE life cover on your savings (T&Cs apply) Flexible/Affordable low cost loans £10 when you recommend your […]

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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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  • 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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  • 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 October 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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