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Junior Saver


Junior Saver – How Does it Work?

A member of the credit union can apply for a Junior Saver Account for each child who lives with them. You will be the account Trustee until the child reaches the age of 16. On their 16th birthday they may become full members of the credit union.  Simply download a Junior Saver Joining Form and email, post or bring it to our office with the Childs Birth Certificate to confirm their identity. If you prefer to apply using an online method such as via the Members Area of this site or by email, you may forward the Birth Certificate by post.

Junior Saver – There is no monthly minimum saving amount.  We encourage regular monthly saving.  This can be contributions from the Junior, from the Account Trustee, from Child Benefit or from another family member. Juniors may also make lump sum payments into their accounts from Birthdays, Christmas etc up to a total monthly contribution of £500. Junior Savers are allowed up to a maximum save of  £10,000.

  • Withdraw anytime – You can withdraw funds from the Junior Saver account at anytime online or by calling us.
  • Annual Dividend – Receive a return on your Junior Saver account annually at the same rates as the Regular Saver.


Blues & Twos Credit Union

Credit Union Savings Benefits checking my account, withdrawing my funds.

The other benefits of saving money with the Blues and Twos Credit Union are-

  • Automatic Free life cover on your savings up to the age of 75 years
  • No set-up fees or hidden charges on any transactions
  • Competitive credit union savings rates
  • Annual dividend paid on savings, gross of income tax
  • As a credit union Regular Saver you have access to a range of loans at competitive rates
  • Loans – No set-up fees / No early redemption penalties
  • Access to your account balances 24/7 – Register here
  • Access to online request forms 24/7 – Register here
  • Complete a bank transfer form ready for when you need your funds transferring
  • Keep your savings going whilst borrowing; it is often easier to repay a loan than to save
  • You can use any savings to repay a B&T loan early without penalty

Blues & Twos Credit Union

Are you eligible to become a member?

Please see our Membership page to check your eligibility to join.
Once you have joined, close family members living at your address may also qualify.


Blues & Twos Credit Union

Latest News and Events

Take a look at our latest news & events, find out about recents developments on new legislation for loans and savings interest rates.