Tel: 01274 434100 Fax: 01274 432830 Email:

18 August 2017
Better than a bank

Ten good reasons why the Credit Union is better than a bank…

  • No Fat Cat shareholders
  • You’re a member – not a customer
  • We’re local – helping the local economy
  • Lower interest rates on loans
  • No hidden fees
  • Annual dividend
  • Your financial health is our main priority
  • Payroll saving available to many members
  • Honest – PRA & FCA regulated
  • Protected – Authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Here’s how it works

We’re here for anyone who lives or works within Bradford District.

We ask you to save £3 per week as a minimum or £1 per week if you are unwaged.

At the end of the year, any surplus profit is given back to members in the form of a dividend. Surplus profit is what is left over once running costs have been taken off and some money has been put into reserves.

You can save via Standing Order or by Cash at either our main office in City Hall Bradford, our new office at Cheapside Bradford or at one of a growing number of Credit Union Collection points throughout the District. We can now also accept savings via Benefit payments.

If you work for certain employers in the district you can save via payroll deduction. 

Loan decisions are based on affordability. We also use credit reference & fraud prevention agencies to help us make decisions.  We help you look at your income and expenditure to make sure you can afford the loan repayments. Unlike some other lenders we only lend responsibly.

Loans can be between £200 – £7,500 and paid back between 6 months and 36 months ( for £5,000 plus loans,term can be extended to 60 Months)

Click to DownloadDownload The Credit Union Prepaid Card Application Form (359.3kb)

Bradford District Credit Union Tel: 01274 434100 Fax: 01274 432830 Email: Web: