Welcome to Retail Credit Union

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.

Become a Member
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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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

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