To become a member of the Blues and Twos Credit Union you must fall within our “Common Bond”.

Applying online is really easy and you will be asked to select one option from the list below, that best describes your employment/employer/eligibility to join. 

You must be employed in the North West of England OR be retired from same OR be living with a current member to be eligible.   

Lancashire Constabulary

Lancashire County Council

Lancashire Fire & Rescue


Blackpool Teaching Hospitals NHS Foundation Trust

Blues and Twos Credit Union

BMI Healthcare employed in the North West of England

British Nuclear Fuels Limited employed in the North West of England

Care worker in the North West of England

Cumbria Constabulary

Cumbria County Council

Cumbria Fire & Rescue

Cumbria Police Federation

East Lancashire Hospitals NHS Trust

Euxton Hall Hospital

Fulwood Hall Hospital

Health Careworker worker in the North West of England

Highgrove Clinic, Carlisle

Renacres Hospital, Ormskirk

The Cumbrian Clinic, Whitehaven

Lancashire Teaching Hospitals NHS Foundation Trust

Lancashire and South Cumbria NHS Foundation Trust

Lancashire Constabulary

Lancashire County Council

Lancashire Fire & Rescue

Lancashire Police Federation

Lancashire Enterprise Partnership

Local Pension Partnership

Local Council Employee in Cheshire

Local Council Employee in Cumbria

Local Council Employee in Lancashire

Local Council Employee in Manchester

Local Council Employee in Merseyside

North Cumbria Integrated Care NHS Foundation Trust

NWAS – North West Ambulance Service NHS Trust

National Offender Management Service

National Crime Agency

North Cumbria University Hospitals NHS Trust*

Office of the Police and Crime Commissioner for Lancashire

Office of the Police and Crime Commissioner for Cumbria* The Home Office

Teacher / Lecturer / Educational professional working in the North West of England

Member of Unison working in the North West of England

Member of Unite working in the North West of England

Family member living in the same household as a current Blues and Twos member

In receipt of Pension from one or more of the above

If you are unsure on your eligibility to join please call our Member Services Team 01772618833 

How to Join

Complete our Online Membership Application Form, in which you have the right to cancel your account within 14 days under the Distance Marketing Directive. We will undertake necessary identification checks to verify your application, as part of the law. If you are unable to do this electronically, you can provide alternative identification. There is no charge for this service.


Download the Membership Application Form, enclose your relevant identification documents (see below) and post to the credit union office. If you prefer not to supply your original identification documents, you can elect to have your details verified by electronic means. Please indicate this on the form. There is no charge for this service.  We ask that you read our Privacy Notice so you are aware of the work we do to protect your data.

If you are a Politically Exposed Person (PEP) please confirm this on your joining form.  You may wish to check by downloading the Politically Exposed Person self-declaration form which gives more information on PEP’s

Identification Verification

In common with all other financial organisations we are obliged to obtain information to confirm your identity.  We can obtain Identification Verification electronically or you can supply documentary evidence of your full name, permanent residential address and date of birth.

If you do not wish for us to obtain Identification Verification electronically please provide one original document from each section. Documents provided must be originals. 

Evidence of Full name/date of birth
Current UK Passport Current UK Driving Licence
Current Shotgun or Firearms certificate
Recent evidence of entitlement to state or local authority benefit or tax credit

Evidence of Full name/Residential Address
Current Council Tax or Water Rate demand letter
Recent utility bill(gas/electric) but not those printed from the Internet
Recent statements – bank, building society, credit card etc.
Other – council rent card, tenancy agreement

If you are unsure about which ones to use, contact the office on 01772 618833 and speak to a member of our team.

Is my money safe with you?

Important information about compensation arrangements

YES – Like the banks and building societies, 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. The deposit protection limit is £85,000. If your bank, building society or credit union fails, the Financial Services Compensation Scheme (FSCS) protects your eligible deposits up to the deposit protection limit. 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. Click to Download FSCS Coverage Information (3836.3kb)

Important Notice – Leaving your employment?

If you are leaving your employment you need to let us know.  Our member services team will help organise your future contributions.  We have arrangements in place with employment pension providers or if you are not retiring just yet we can arrange an alternative method for you.

We want you to be clear on how easy it is to continue your Blues and Twos account.  After all we have been here for you for years.

Keeping your Blues & Twos account open could be a real life saver later on. There are times when you should leave some things as they are, just whilst you sort out more pressing issues. We can reduce your monthly saving to £10, you can always increase what you save at a later date.