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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

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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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Credit Union Loans and Savings


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 affordable credit union loans and ethical savings, 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. Join Blues and Twos today!

Latest News

  • 10 Reasons a Credit Union Loan is Better than a PCP Agreement

    Personal Contract Plans, or PCPs, have recently become a popular way to finance a new car. Many dealerships can offer you a very attractive-sounding deal on the spot – affordable deposit, low monthly payments, and trade in the new car after 2-3 years… what could possibly go wrong. Victoria Harrison, Blues and Twos Chief Executive […]

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  • 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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  • Blues and Twos Achievements in 2019

    V Harrison, CEO, Blues and Twos Credit Union It is a while since I ‘blogged’ so please bear with me on this….   The Government remain keen to expand the provision of financial services and consider credit unions to be relatively new at achieving recognition for safe savings, and community engagement. We know credit unions […]

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  • Winner of the £1,000 Bumper Lottery Draw!

    We just wanted to give a HUGE congratulations to Hayley, who won the £1,000 in Decembers Bumper Lottery Draw, put on by the Blues and Twos society. Hayley was soaking up the sun in South Africa when she got the call from us telling her the good news, which she said was a “Pleasant surprise.” […]

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  • Reach your financial goals in 2020!

    No matter how small, or large your goals are Blues and Twos are here to help. It is important to plan for your financial future. Here are some examples of financial goals that you can consider setting for yourself: Pay off Credit card debt – We offer debt consolidation loans to members who are looking […]

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  • Great 2019!

    Wow what a year.  Targets exceeded in lending and new member recruitment. In its second year, the Blues and Twos Speediloan met targets to offer lower lending at affordable rates with same day funds.  Awarded the 5* Mark by the Fairbanking Foundation this product offers members flexibility, early repayment without penalty, and a loan up […]

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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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  • 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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  • 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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  • 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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  • 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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