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Be part of the family - celebrating 2019 with us! Over 8230 members With collective Savings totalling £13 Million Borrowing collective £8 Million Let us help your Financial well-being

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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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

  • Pension contributions update

    We are pleased to report the delay with pension contributions has now been resolved.  Payments into some accounts was slightly delayed but, as always, we have credited your accounts before we receive the funds from source.

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  • 2019 Annual General Meeting

    The Blues and Twos Board welcomed members to its 27th Annual General Meeting this afternoon (Tuesday 10 December).  Breaking the very positive credit union news, during a week when at least one of the big high street banks has announced a reduction in interest rates for savers,  Blues and Twos Treasurer John Stirling proposed a […]

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

    Log in to Astute – https://lancashire.astute-elearning.com/Content/LXP/LXPLogin.aspx 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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  • Loan Survey Prize Draw Winner!

    Congratulations to our member Gwen Knowles for winning our feedback prize draw, Gwen told us that “from applying for a loan to completion the service from Blues and Twos is excellent. There is regular updates and the staff are very helpful.” Thanks to all our members who applied for a loan and has filled out […]

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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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  • Year End!

    As September ends Blues and Twos celebrate their financial Year End! “Reaching over 8000 members was a proud milestone for Blues and Twos this year, a testament of the team’s hard work and continued support from our members” says Chief Executive Victoria Harrison. This year has more than met our expectations! We feel sure our […]

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  • Celebrating Charlotte’s 10 years service…

    Congratulations go to Charlotte our Member Services Assistant who has been with Blues and Twos for 10 years.  “Thank you for your hard work and effort over the years and heres to more to come! This is the fourth Blues and Twos team member to receive recognition for 10 years service.

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  • Heading off to Uni?

    For most people, the transition into higher education is a major change whether it’s you going to uni to your children. Whether you’re living at home with your parents, in student accommodation or a house-share, student life means a whole new way of living. You have more choices to make – when to work, when […]

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  • August SAVEfest Winner!

      A big congratulations to Beverley Ashwell, who was the winner for the August 2019 SAVEfest promotion, and has been awarded £25. Beverley said that it was a “lovely surprise!” Thank you to everyone who entered! We offer loans from anywhere between £300 – £25,000, to help our members with holidays, home improvements or buying […]

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  • Time to Talk

    World Suicide Prevention day 2019 The 10th September marks World Suicide Prevention day, every 40 seconds someone dies from suicide, take just one minute to talk to someone and change their life forever. Visit the Samaritans website to find out more and see how you can help.

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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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  • 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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  • 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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  • 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 August 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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