Proudly serving the communities of Bradford, Kirklees and Craven since 1993.

At BDCU, we believe in community finance that supports everyone.

From affordable loans to savings accounts, we’re here to help you build a secure future.

Easter Closure Notice

Please be advised that we will be closed on April 18th and 21st for the Easter bank holidays. To ensure your payments are processed on time, please complete transactions by 3pm on Thursday, April 17th, 2025. This will allow funds to reach your external account by 4:30pm.

We will resume normal operations on April 22nd 2025.

Thank you for your understanding.

Wishing everyone a Happy Easter!

Planning Maintenance.

Our IT partners will be applying an upgrade to on-line banking and our mobile app between 11:00 PM and 11:59 PM on Wednesday, February 19th, 2025.

During this time, you may not be able to access these services. 

If you have any questions, please contact us via email at credit.union@bdcu.co.uk or on 01274 434100 during our normal opening hours.

Affordable loans


THE RESULTS FROM THIS CALCULATOR ARE FOR ILLUSTRATIVE PURPOSE ONLY AND DO NOT GUARENTEE A LOAN OFFER. IF YOUR APPLICATION IS SUCCESSFUL, THE ACTUAL LOAN AMOUNT, INTEREST RATE, AND OTHER TERMS MAY VARY BASED ON A DETAILED ASSESSMENT OF YOUR PERSONAL CIRCUMSTANCES.

Products & Services

Christmas on a budget

Christmas On a Budget

November 30, 2022
talk money week

Talk Money Week: How We Can Help

November 9, 2022
Loan Sharks

#LoanSharksAreMonsters: Loan Shark Awareness

October 28, 2022
empower your financial future with credit union

Empower Your Financial Future: International Credit Union Day 2022

October 24, 2022
wall insulation

Why Wall Insulation is important

October 14, 2022
Christmas loans

Our Christmas Loan is Back!

September 29, 2022

Ways to Save Money and Save Energy

September 23, 2022

Five tips for loan applicants

August 30, 2022

Why credit searches are important

August 30, 2022

A default can stop you getting credit

August 24, 2022

“Great to be a part of the Credit Union, very nice staff” - Gloria

“Loan rates are great & great way to save too” - Helen

“People orientated, professional,friendly, very competitative rates for savers and also when we need to borrow” - Robert

Safe savings

All savings are protected by the Financial Services Compensation Scheme. Members with a good savings history are more likely to be accepted for loans.

We welcome junior savers from birth to 17

Whether you're a new joiner or existing member, start saving now

Save or borrow straight from your pay packet with payroll deduction

Your savings are protected by the Financial Services Compensation Scheme

Online banking

With our online banking service you can check account balances and transactions and send us a secure message.

Check your account balances & transactions online

Existing member? Register for online banking or log in

Not a member? Join online now.

Interested in how online banking works with us?

Read More

Latest news

🏡🧡’Money SOS’ Radio Show 11 – Families & Money (BCFT)🧡🏡

Apr 26, 2025
Show 11 of BCB Radio's 'Money SOS' on BCB 106.6 FM, inspired by Bradford District Credit Union's popular ...

WYPF Pension Webinar with BDCU

Apr 15, 2025
Successful WYPF Pension Webinar for Bradford & Kirklees Council and Incommunities Staff We are thrilled to announce that ...

Easter Sunday Savings Tip

Apr 8, 2025
Happy Easter Sunday! With many of us preparing for the upcoming Easter celebrations, now could be the perfect ...

Exciting News! 🎉

Apr 7, 2025
Exciting News! 🎉 Our credit union has been nominated for the Consumer Credit Awards once again and we ...

Happy International Children’s Book Day

Apr 2, 2025
At BDCU, we know that reading helps kids learn and grow in many different ways and that's why ...

🦸‍♂️’Money SOS’ Radio Show 10 – Credit Union Titans – USA 🦸

Mar 24, 2025
Show 10 of BCB Radio's 'Money SOS' on BCB 106.6 FM, inspired by Bradford District Credit Union's popular ...