Welcome to Retail Credit Union

How it works

Getting started is simple

1) Complete the online form in a few minutes

2) Download our app and follow the steps to set up your secure login

3) Manage your savings, apply for loans, and use your member extras

Become a Member Today

Start your savings journey from as little as £2 p/month

Get access to fair loans, prize-linked savings, and practical money support built for retail workers.

✔ Free to join
✔ Save through payroll or direct debit
✔ Trusted by thousands of members

Join today in a few minutes. Cancel at any time.
You’ll need your NI number and latest payslip.

Member Reviews
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“As money is taken from my wages, I don’t really miss it, so it’s a nice surprise when I see how much you have saved!”

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“My savings are taken automatically from my pay, I don’t have to think about it. My savings are easy to withdraw and is normally in my bank the following day.”

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“Saving with Retail CU pays for my holidays every year and as it comes straight from my pay, I don’t really miss the money”

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“Retail CU has helped me save and move forward with my finances”

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“Helped me save for the first time in my adult life”

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“Retail CU has helped me to save money that would otherwise have been frittered away.”

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Why join us?

✔ Build savings you’ll barely notice
Save straight from your wages or direct debit so it happens automatically.

✔ Special savings accounts with real rewards
Including PrizeSaver, where you could win up to £5,000 just for saving.

✔ Support when money feels tight
Simple tools, money tips and guidance to help you stay in control.

✔ Loans built around real life
Competitive rates, flexible terms and decisions made by people who understand retail work.

✔ Helping retail workers, not shareholders
Any money we make is reinvested into better rates and services for members, not paid to shareholders like a bank.

Trusted by retail workers for 29 years

✔ 19,000 members already trust us
✔ 29 years supporting our members
✔ Your money is FSCS Protected up to £120,000

Give your savings a head start

Join before 31 March for a chance to win £100 paid directly into your savings account.

Entrants must have maintained an active savings account with us for a continuous period of at least three months.

Become a Member Today

T&C’s