Chester Credit Union

Chester Credit Union
Trail Federation Offices
Henry Place
Newtown
Chester
CH1 3HY

01244 399 006

01244 399 040

The Chester Credit Union is a non-profit organisation, has been operating since 2004, and works entirely to meet its member’s needs.

Chester Credit Union aims to help its members re-organise their finances to enable them to cope with daily financial demands; as well as helping them to budget, with the possibility of saving and reducing their chances of getting into financial difficulties in the future.

What is the Chester Credit Union?

Credit Unions have been established in the UK since the 1960s.

The Chester Credit Union offers an alternative to the loan-shark when you are really struggling to make ends meet; and it is their intention to make the UK loan-shark free.

There is nothing worse than trying to decide between paying the rent, the credit card or the gas bill. When the responsibility falls to you to simply keep your household intact if you don’t feel you will get the response you need from your bank, or don’t even have a bank account, then the Chester Credit Union may be able to help you.

At the Chester Credit Union services are managed by financial professionals from the local area who give their time voluntarily to help the local community with money matters. Professionals also ensure that the Chester Credit Union is operating within the Financial Services Authority (FSA) guidelines.

Chester City Council are sponsors of the Chester Credit Union and help them to achieve their aims.

What services can the Chester Credit Union offer me?

Chester Credit Union offers advice and action on helping you with financial problems. They have developed a ‘Safekeepers’ account for junior members; as it is never too early to start learning how to be careful with your money.

The Credit Union in Chester is also working to encourage employers to operate direct payroll deductions into savings accounts with the Credit Union. This is a great way to save money; as if you never receive it you can’t spend it!

Loan- sharks will lend anyone money in their time of need but you will find that they are regulated only by themselves. Extortionate rates of interest are put on their loans and they will change the terms and conditions of that loan anytime they feel like it. It is not unheard of for loan-sharks to use threatening and violent tactics when money is not repaid.

Chester Credit Union can provide extremely low rate loans and will lend very small amounts, unlike the banks, with low weekly payments. Total amounts repayable are much lower than standard loan rates.

How can you help the Chester Credit Union?

As a non-profit organisation the Chester Credit Union is always looking for volunteers to help run its collection points, keep the accounts straight and to help with administration.

Volunteering at the Chester Credit Union is a fantastic way to help out in a really useful way for your community. You will learn new skills, with full training provided, meet loads of new people and be able to genuinely help people in need with the Credit Union’s services.

How do I join the Chester Credit Union?

If you live within the local area or district you may qualify for membership of the Chester Credit Union. You can visit their website and fill in an application form at www.chestercreditunion.com.

If you don’t have access to the internet, or simply prefer to speak to someone face-to-face, all the services provided by the Chester Credit Union can be accessed at their collection points in Chester:

Kingsway Coffee Shop                                    
Kingsway
Newton
CH2 2LJ
Fridays 10am to 12pm

Hoole                                                                  
30-32 Charles Street
Hoole
Chester
Thursdays 12 noon – 3pm

Chester and District Housing Trust Offices   
19 The Parade
Blacon
Thursdays and Fridays 10am to 12pm

Blacon Library                                                                                 
Weston Avenue
10am to 11.30am

Blacon Community Centre
Fridays 7pm to 8pm                                

Lache Community Centre                                 
Hawthorn Road                                                  
Lache
Mondays 2.30pm to 3.30pm
Thursdays 7pm to 8pm

Chester and District Housing Trust Offices    
Centurion House
Northgate Street
Chester
CH1 2HQ
Mondays and Wednesdays 10am to 2pm