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  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.lancashire.gov.uk

    Lancashire County Council is here to serve the people of Lancashire, providing the best quality services to help everyone in our communities to reach their full potential

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.lancsfirerescue.org.uk/

    Lancashire Fire and Rescue Service provides fire and rescue services to the one-and-a-half million people living or working in Lancashire, on behalf of the Lancashire Combined Fire Authority. Operating from thirty-nine fire stations across the county, a service headquarters at Fulwood in Preston and a large training centre, Washington Hall at Euxton, we employ over 1500 staff in a variety of roles to provide services every hour of the day, every day of the year.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.narpo.org/

    National Association of Retired Police Officers (NARPO). We are a member organisation representing retired police officers of all ranks and police widows from police forces throughout England and Wales. We offer a range of services to members including advice on pensions and other issues affecting the welfare of our members. NARPO is a branch based organisation formed in 1919 and there are four Lancashire Branches: Burnley, Lancaster and Morecambe, Blackpool and Preston and District. For further details and to join please visit our national website.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.polfed.org/

    The Police Federation of England and Wales (PFEW) is a national body which represents Police Officers up to and including the rank of Chief Inspector. We are a representative body, similar to a Trade Union but without the right to resort to industrial action. Our statutory remit is ‘Welfare and Efficiency’. Each of the 43 Forces has a joint Branch Board [JBB] which is made up of 3 individual Rank Boards (Constable [CBB], Sergeant [SBB] and Inspector [IBB]). If you wish to know more about the Federation and why it’s so vital to have collective strength for workplace representation, please visit our website. We are still fighting hard for your rights today.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.lancashire.police.uk/

    Lancashire Constabulary is one of the top performing police forces in the country and we lead the field in our approach to policing communities click here to find out more.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.cumbria.police.uk

    Cumbria Constabulary building a Safer and Stronger Cumbria

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.moneyadviceservice.org.uk/en/tools/health-check

    The Money Advice Service was set up by government. We’re independent and give free, unbiased advice to help you make the most of your money.  Click on the link to  see how you can make the most of your money by answering some simple questions about you and your money.  The free confidential health check will show you what you can do in easy-to-follow steps. It only takes 5-10 minutes and you won’t need any paperwork.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.unison.org.uk/

    UNISON members’ credit union network.  Unison is working with Blues & Twos to offer Unison members (see our Membership page for eligibility) in Lancashire and Cumbria, an alternative safe place to bank, affordable loans to suit you & great savings and budgeting plans.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.abcul.org/

    The Association of British Credit Unions Ltd (ABCUL) is the leading trade association for credit unions in England, Scotland and Wales.

  • Blues and Twos are a not-for-profit Credit Union made for the public, not for profit, owned entirely by its members and run by a trained professional team.
    www.woccu.org/

    World Council of Credit Unions is the global trade association and development agency for credit unions. Our international development programs assist credit unions and their associations with building efforts, providing access to the underserved, developing integrated business networks, supporting communities at risk and encouraging legislative reform and regulatory system development.

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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

  • Tuesday 11 December – Open 9am-11am only

    On Tuesday 11 December the Credit Union will be open from 9am – 11am only.  We apologise for any inconvenience caused.  The office will re-open at the usual time of 10am on Wednesday 12 December.

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  • Need a little Christmas help?

    Christmas loans are popular again this year so please bear with us if there is any slight delay in your receiving yours.  Borrowing a little to help you through can save you money in the longer term and help you avoid steep credit card interest rates.  Agreeing the amount for repayment and the term before Christmas, can help you better […]

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  • Salvation Army Food Donations….

    This is our third year collecting, from you our members

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  • 2019 Blues & Twos desk calendars now available…

    Have you requested your 2019 desk calendar?  If not, send us a quick email to mailto:enquiries@bluesandtwos.org.uk confirming your work address and we will get them in the post to you. Any colleagues not currently a member?  Introduce them and you will receive £10 into your Blues and Twos Account once their membership is set up.  […]

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  • Blues & Twos Society – November Winners

    PRIZE DRAW WINNERS – NOVEMBER 2018  ***FIRST PRIZE – £500*** HELEN WHITTAKER ***SECOND PRIZE – £150*** RACHAEL PRICE  3rd  Prize  £75  PAUL ELLIOTT 4th Prize £25 FRANCIS SMITH 5th Prize £25 CAROLINE SHELSTONE 6th Prize £25 MARK HANSON 7th Prize £20 LANCASHIRE POLICE – SPECIAL BRANCH 8th Prize £20 D BROWN 9th Prize £20 LANCASHIRE POLICE – G DIVISION 10th Prize £20 […]

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  • Annual General Meeting 2018

    Our Annual General Meeting is set to take place on Tuesday 11 December at 1pm, Connolly Room, Lancashire Police Headquarters, Hutton. Those wishing to attend are asked to contact the Blues & Twos office before 4pm on Monday 10 December so our office staff can ensure you are added to the visitors security system.  Without this you will be unable to gain access to the […]

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  • Keen to receive your feedback

    If you have taken out a loan with us in the last six months please complete our quick Online Loans Survey We appreciate all feedback. Thank you if you have already completed the survey.

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  • From 1st January 2019

    With effect from 1st of January 2019 the credit union will no longer accept bank notes or coins.  Members wishing to make adhoc payments into their account may do so via their online banking.  Please call the office if you would like further information.  We apologise for any inconvenience this may cause.

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  • Blues & Twos Society – October Winners

    PRIZE DRAW WINNERS – OCTOBER 2018  ***FIRST PRIZE – £500*** JAYNE BRANDON ***SECOND PRIZE – £150*** JULIE DRYSDALE  3rd  Prize  £75  SAMUEL LAWRENCE 4th Prize £25 NICOLAS CROSS 5th Prize £25 MARTIN COOPER 6th Prize £25 LYNDA QUIRK 7th Prize £20 LANCASHIRE POLICE 8th Prize £20 JOHN BAXTER 9th Prize £20 LYNN GORNALL 10th Prize […]

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  • B&T Lottery – Have to be in it – to win it!

    The Blues & Twos Society is an independent organisation totally separate from the credit union.  It is run by a group of credit union volunteer members who raise money through a monthly drawn lottery.  This money helps to keep down administration costs for the credit union and so provide a better service and dividend to […]

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  • Lending Team report positive feedback

    The Blues and Twos Lending Team report positive feedback from members receiving their loans even faster than ever before with the New Loan Agreement & document file transfer system that allows electronic online signing.  The Chief Executive Officer Vicky Harrison said “Implementing DocSAFE has resulted in enhanced security for the transport of documentation to our […]

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  • An Apprenticeship with Blues & Twos — A Great Way to start your working Career

    Two years on from beginning her Apprenticeship and with many skills and competences gained, Emily talks about her Apprenticeship with Blues & Twos ….. “Starting a new path in life can be rather daunting especially when you are unsure of exactly what you want to do (as most of us are at 17 or 18).  […]

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  • Winner of Member No 13000 Competition

    Welcome to Sue Bassam who joined our membership and was the winner of our “Member no 13000” competition winning a bottle of Prosecco. Sue commented ‘Joining Blues and Twos has been a great experience. It has help me save towards my Summer Holiday. With it going directly out of my wage, I’ve hardly noticed this. I would recommend Blues […]

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  • Winner of the Blues & Twos Society Bumper Draw.

    Congratulations to John Baxter who is the winner of our July Bumper Lottery Draw.  He was overjoyed when he was advised of the win and said “we are saving for a visit to friends in Seattle so this will help towards that goal”

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  • Car Finance – No final lump sum or balloon payment

    Option 1 – Fixed APR CAR LOAN Finance amount – £10,000 Monthly repayments – £183.67 Total repayments – £11,020.15 Term – 60 Months APR – 4% Fixed Optional lump sum – Nil     Option 2 – Homeowner Fixed APR CAR LOAN Finance amount – £15,000 Monthly repayments – £275.51 Total repayments – £16,530.19 The […]

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  • Work not Worry with a Blues and Twos account

    The Association of British Credit Unions, known as ABCUL, have launched a campaign just yesterday that focuses on raising awareness of the benefits for employers to partner with credit unions in offering their staff payroll membership. If you are an employee, you can also suggest your employer partner with a credit union. Payroll membership is […]

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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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  • Something for Unison members…

    Members of Unison working in Lancashire & Cumbria can now join.  https://www.unison.org.uk/…/credit-u…/directory/north-west/ Are you eligible?http://www.bluesandtwos.org.uk/membership/memberships/

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  • Leaving your employment does not mean leaving us

    Here at Blues & Twos our professional friendly staff will help you organise your transition from employment to pension or otherwise.  All our members are valued highly and just by contacting enquiries@bluesandtwos.org.uk or 01772618833  we will ensure continuous contributions into your account and don’t forget up to the age of 65 yrs we continue to cover you with FREE […]

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