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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

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 one way that can affect your well-being. There is something to be said about regular saving and we are pleased to be helping over 8500 members access Lancashire and Cumbria with just this ‘every month’. In return we paid a 1.4% dividend on all savings in 2019. This has encouraged many of you to increase your monthly save. Your savings can help you cover additional unplanned costs maybe as a result of the current Coronavirus Covid-19 situation. Please read on and see why we recommend you having an emergency fund. Saving isn’t always easy but rewarding and essential for your financial well-being. V Harrison, CEO

Why do you need an emergency fund?

Experts suggest that you need a liquid fund of at least 3 – 6 months of living expenses. This is to help if you are struggling to pay bills or find yourself not able to cover unexpected expenses.
Your emergency fund is there to give you peace of mind in the event of an unexpected financial blow, and can help you from staying out of debt. Your emergency fund will be as important as ever with the current situation. Here are some reasons you should have an emergency fund:

You only have one income

Job loss meeting

Your emergency fund can ease you through an unexpected job lose or illness that stops you from working. This is more important than ever with the Coronavirus stopping all but key workers from working.
It is suggested that if you are a one-income family or single, you should have 3 – 6 month worth of expenses in your emergency fund. Blues and Twos credit union will help you do this, with regular saving direct from source.

You own your own home

Home repairs

When it comes to owning your own home there are necessary repairs and upkeep bills you need to keep in mind. Most people have homeowner’s insurance, however there are expenses that aren’t covered by insurance. That’s where your emergency fund comes in, the ability to pay for unforeseen, but necessary, home repairs, all without having to put large sums on your credit card. Blues and Twos credit union will help you save for these.

You have medical costs

Health care bills

Most of us are entitled to free healthcare from the NHS, however dental and eye care comes out of your own pocket. Dental and eye care can both be very expensive, that’s why a well-funded emergency fund can help you deal with these costs and make it easier to get through.
Blues and Twos offer you an instant access savings meaning you can get your money out whenever you need it.

Car repairs and maintenance

Car repair/maintenance

Having a working car is critical for most working people, if you find yourself without a car you may find it difficult getting to the office or may have to turn to public transport which could quickly become expensive, if you need to travel far.
One common reason for an emergency fund is to cover you for those unexpected car repairs or emergencies. The most common car repairs like new brakes, spark plugs or timing belt could set you back hundreds of pounds.

Be Prepared for anything

While you can’t ever fully prepare for life’s emergencies, the reasons for an emergency fund is long: your toilet could overflow, you may need to travel last minute to see an ill relative, you get a flat tyre, the list goes on.
Blues and Twos credit union encourages you to save for these unexpected payments, we offer instant access savings accounts to the emergency service workers, council workers and education workers and more in Lancashire and Cumbria. Click here to find out how to join.

We are people helping people, through these difficult times. Stay safe.

Jonny Boult, Marketing Assistant

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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

  • Happy & Healthy New Year from all at Blues and Twos

    You are wished a happy, healthy New Year from all at the Blues and Twos.  Now that Christmas is behind us your team are planning ahead for a January busy with new memberships and assisting with your revised savings plan for 2022.  This is always a busy time with members requesting to  increase their savings […]

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  • AGM thank you from your Chair

    As Storm Barra looked set to hit the North West of England the Board of Directors knew their decision taken in September for a first every Hybrid AGM was a wise move.  This first ever hybrid AGM for Blues and Twos was welcomed by members on Wednesday 8 December.  Attending online or in-person, members listened […]

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  • BLUES & TWOS SOCIETY BUMPER LOTTERY DRAW – DECEMBER WINNERS

    The Winners of the December Blues and Twos Society Lottery draw are now available to view.  “You have to be in it – to Win it!” The next bi-annual Bumper Draw is due to be drawn in July 2022 with an additional prize of £1,000 up for grabs.  If you would like to join, or increase […]

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  • 15,000 member accounts milestone reached…

    Congratulations to our 15,000 member welcomed to the Blues and Twos Credit Union in June.  Abby said “I’d been aware of Blues and Twos since I joined Lancs in 2019 as a number of colleagues had saving accounts and recommended them but I just never got round to signing up.  When I changed job roles, […]

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  • NEW Secure messaging increasingly popular with members…

    Just over 2760 Blues and Twos members are now using NIVO, the secure messaging option introduced at the start of the Covid19 pandemic.  By simply registering for NIVO using the “Chat with us” button on our homepage you can register for easy contact with the credit union 24/7.  Leaving a message out-of-office hours is proving […]

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  • Joining the credit union before you retire….

    Meeting with pre-retirement delegates at last weeks Police pre-retirement event held at Lancashire Police Headquarters, Hutton Lisa from the Blues and Twos team said it was lovely to see so many familiar faces, many of which were already members of the credit union.  “A great opportunity for them and us, to give details on the […]

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  • Chief Constable visits Lancashire Police Credit Union

    Our CEO, Vicky Harrison, welcomed the recently appointed Chief Constable, Chris Rowley, to our offices this week to meet with the Blues and Twos team and witness first hand the commitment and role we play in helping our members with their finances throughout their career & retirement.  Leading on well-being, Mr Rowley was keen to […]

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  • Faster loan applications with Open Banking

    Our new open banking option gives you the loan applicant, faster access to your bank account statement data to support your loan application.  Same day decisions and funds now possible for loan applications from £300-£25,000 received before 2pm Monday to Friday.  Register to ‘Chat with us on NIVO’ and we will send you the open […]

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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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  • 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 […]

    More >
  • 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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  • 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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  • 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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  • 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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  • 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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