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Tel: 0141 445 0022 Fax: 0141 440 2294 Email:

25 March 2017

Switch on to big savings

Energy supply is always a hot topic - and your NHS Credit Union can help members save on fuel bills. 

Our partnership with the Co-operative Energy offers an advice service for members thinking of changing their suppliers. And it's so easy to see how much you could save. All you have to do is click on the Energy banner image above or phone: 0800 093 7511 quoting “NHS CREDIT UNION”.

Our partners at Co-operative Energy offer friendly, UK-based customer service advisers. In addition, they can provide special discount schemes and energy saving tips.

Like the NHS Credit Union, Co-operative Energy is member owned and believes in sharing profits with the local communities it serves.

Why not find out more about our new partners and what the service could do for you?

Top award for credit union

Your NHS Credit Union has received a top award for its personal loan services – a five-star rating from the prestigious Fairbanking Foundation.

It’s the highest award issued by the Foundation, and this is the first time the rating has been given to an employee-based credit union.

The rating signifies that the credit union’s personal loans have a “tangible positive impact on customers’ financial wellbeing”.

Robert Kelly, NHS Credit Union Chief Executive Officer, was “delighted” at the news.

He added: “On behalf of the NHS Credit Union family, I am absolutely thrilled that we have been granted a five-star award for our main personal loan product by the Fairbanking Foundation.

“Our commitment to serving members with high quality products and services built on an ethical value base and member centric ethos is the very fabric of our business model. This recognition is testimony to that approach in action.”

The Fairbanking Foundation is the leading certification scheme for financial institutions in the UK. In addition to the NHS Credit Union, the Fairbanking Mark was also awarded to the Hoot Credit Union and the 1st Class Credit Union for their personal loan products.

It’s the first time that the Fairbanking Mark (used by banks like RBS and Natwest as a mark of the value their products have on customer financial wellbeing) has been awarded to credit unions that serve employees of a specific sector.

To qualify for the top rating, the credit union had to undergo a rigorous evaluation process, which involved analysis of the loan product features and an extensive, independent customer research programme to assess how the product is working in practice.

A report was then submitted to the Fairbanking Mark Assessment Panel - an independent body of experts who review all product assessments, and also look at wider factors, including the rates charged/offered by the product. Those experts then decide whether to grant a Fairbanking Mark, and what star rating to award.

Antony Elliott, Chief Executive of the Fairbanking Foundation, said: “The evidence shows that credit unions are playing an increasingly important role in people’s financial lives in the UK.”

The Fairbanking Foundation is a not-for-profit, research-based charity established in 2008 to encourage and assist providers of banking products to improve the financial well-being of their customers by enabling these customers to manage their money better. Click on the image below to find out more about the Fairbanking Foundation award.



Bubble Rush boosts Hospice appeal

The team at your NHS Credit Union have just completed their latest charity challenge ... taking part in the Bubble Rush to raise cash for Glasgow's new Prince and Princess of Wales Hospice.

The event took place in Bellahouston Park on Sunday, May 29, with directors and staff of the credit union (and some young family members) joining hundreds of other fundraisers completing the 5k course.

The credit union team has now collected almost £2,000 for the appeal, and if you would like to help us achieve our £10,000 target, feel free to contribute.

We have set up a JustGiving page for donations, and it couldn't be easier to make your contribution - however large or small it may be. A couple of clicks of the mouse won't take you more than a few seconds, but it could make a huge difference to families at a time when they are most in need of support.

To contribute, follow this link and press the donate button.

For more information on the new Hospice click HERE

Thanks for your assistance

The NHS Credit Union recently informed members that we had enlisted the assistance of market-leading research company, Ipsos Mori, to do a survey on our behalf.
The survey, in partnership with the Fairbanking Foundation, is part of an ongoing project which will transform the facilities we offer members. The aim is to ensure that we are providing you with the best service available - particularly in relation to our loan products.
We are delighted to be able to confirm that this survey has now been completed, and would like to thank all those members who were contacted for taking the time to help us in this way.
The information collected will help shape the services we offer in future.

Help us to help you

Dear Members,

Your NHS Credit Union is in the middle of a massive project which will transform the services we offer our members.

One key area is our loan process, and YOU can help ensure that we get this right.

In partnership with the Fairbanking Foundation, we have brought in the market-leading research company, Ipsos Mori, to do a survey on our behalf to find out if we are providing you with the best products and services available. They are now in the process of contacting a selection of members to get your opinions on the member experience with regard to our loans.

There are two reasons for this correspondence – firstly to ensure all members that this is a genuine survey request – and secondly to ask for your co-operation if you are one of the members contacted by the research company.

If you could take the time to complete the survey to the best of your ability, you could help shape the future for all members of our financial family.

We appreciate that not everybody can spare the time to complete such surveys, but this one could improve the financial health of thousands of health service staff and their families across Scotland and the north of England.

If you are one of the members contacted at random by Ipsos Mori, a link to the survey will be sent to your email address. The questionnaire should take no more than 20 minutes to complete. Don’t worry if you get interrupted, you can save your answers and return to them later. The system will save your answers.

In addition to the email link, some members may receive a follow-up phone call from Ipsos Mori. Again, your co-operation would be appreciated.

I can’t stress enough that your views are extremely important to us and we truly value your opinion. Your answers to this survey are confidential and you will not be identified in the results.

Should you have any problems with the link to the questionnaire or with the questionnaire itself, please do not hesitate to contact the Fairbanking survey team at Ipsos MORI on 020 7347 3000, or email who will be happy to help.

Thanks for taking the time to read this letter.

Robert Kelly, Chief Executive Officer, NHS Credit Union

£1m record for loan arrangers

Nearly 1,000 health service workers have given their family finances a £1million Christmas treat – thanks to your NHS Credit Union.

Figures just released reveal that loans issued by the country’s fastest-growing credit union during November smashed through the million pound mark for the first time in our 17-year history.

The month saw 924 loans issued to credit union members, with a total value of £1,005,261.58. That figure represented an INCREASE of more than £250,000 on the previous monthly record which was achieved in July 2015, when loans broke through the £750,000 mark for the first time.

And the records just keep falling for your credit union, which now offers financial services to more than 13,000 NHS staff and their families across Scotland and the North of England. During October, 360 new members signed up – the highest total for any month since the credit union started out in November 1998 in the nurses’ quarters of Glasgow’s Southern General Hospital.

Credit union Chief Executive Officer, Robert Kelly, described the loan record as “another sign of our fantastic progress as a business”.

He added: “It’s very encouraging to know that more and more health staff are trusting us to provide them with financial services.

“The last financial year has been the most successful in our history, and I look forward to that growth continuing in the years to come. The range of services we offer will be transformed over the next 12 months as we introduce a new banking platform for our membership.

“Apart from the continued improvement in our products, the other key ingredient of our success has been our staff. They have worked incredibly hard over the last year to make sure our members are provided with a service that few other organisations can match.”

* It's the busiest time of year for buying online - and the Scottish Government has published some top tips to keeping safe on the internet.

Find out more HERE

Better safe than sorry

The Scottish Government recently launched its strategy to help people stay safe when buying material online.

Safe, Secure and Prosperous: A Cyber Resilience Strategy for Scotland can be found here

However, here's the top 10 tips from that strategy:

1. Shop only at Internet businesses you know and trust.

2. Beware of emails offering cut-rate prices on popular toys, software or other gifts; if the offer sounds too good to be true, it probably is.

3. If you receive an unsolicited email from an Internet business, don't click on the links within it. Instead, locate the business’ website address through a reputable search engine.

4. Check Internet businesses’ refund policies; some merchants set a deadline for returns or charge a fee to accept returned merchandise.

5. Pay with a credit or debit card; for extra protection enroll your card in anti- fraud programmes provided by your card issuer.

6. Never share your passwords with anyone, and use different passwords for different Web sites.

7. Protect your private information. When shopping online, look for the retailer’s Web site privacy policy and never provide your Social Security number, birth date, or mother's maiden name.

8. Ensure your computer has the latest anti-virus software installed before shopping online.

9. Always print and save the confirmation page when completing an online purchase.

10. Don't wait for paper statements, Check your credit card and bank statements for suspicious activity by either calling your bank or visiting your financial institution’s Web site

Help us make a difference

Your NHS Credit Union is more than just a financial institution - it's an organisation that likes to play its part in supporting the wider community.

And as part of that drive, this year we have joined the campaign to help build the new Prince and Princess of Wales Hospice in Glasgow's Bellahouston Park.

The hospice has asked 50 businesses to get behind its Brick by Brick Appeal by raising at least £10,000 each towards the £500,000 required to sponsor the Atrium in the new building. We have signed up to be one of those companies.

We were founded in the Southern General Hospital in Govan .... and it's appropriate that we are backing the appeal - just a stone’s throw from the Southern General site of our birth and a few hundred yards from our current HQ in Dava Street.

Staff in the credit union will be taking part in various forms of sponsorship activity to help raise the cash - but we’re giving members the chance to play their part as well.

As part of our fundraising drive, we're launching our Quids In campaign, offering members the chance to help the Hospice appeal by donating a small sum from their savings with the NHS Credit Union. Members can donate any amount from £1 upwards.

To make your donation, just login in to your credit union account; click online forms - Prince & Princess of Wales Hospice Appeal - fill in a few details - and press the submit button. It's as easy as that, and while it won't take more than a few seconds, you could make a huge difference to the lives of cancer sufferers and their families.

To log into your credit union account, click HERE

For more information on the new Hospice click HERE

EXTRA piece of mind ... at no extra cost

Important changes to NHS Credit Union loan and saving protection schemes

One of the added benefits of being a member of the NHS Credit Union is the financial protection that's available to your loved ones in the event of your death - and it doesn't cost you a penny.

Our savings protection scheme offers your family a cash lump sum should you die.

Our loan protection scheme means that if you die before a credit union loan is repaid, this protection can help towards settling the debt, so that it isn’t passed on to your loved ones.

With the business now approving more large loans to our growing membership, the terms and conditions are being updated to improve the protection offered to borrowers.

From June 1, the limit on loans protected is being increased from £10,000 to £15,000. In addition, the scheme will cover a greater age range of borrowers, and longer terms of loans.

Put simply, the changes mean that with very few exceptions, any member with an NHS Credit Union loan of up to £15,000 will have that loan repaid in the event of his or her death - taking a great financial burden away from their loved ones.

Changes are also being made to the savings protection scheme. At a difficult time, a lump sum on bereavement can be a real help. It could go towards funeral costs or be left as a legacy for your loved ones. Of course, it won’t take away the pain, but it will certainly help with the financial strain of bereavement.

Your NHS Credit Union currently offers a number of members a lump sum equal to every pound held in their savings, up to a maximum of £5000.

From June 1, that lump sum will be available to a larger number of members, over a greater age range. However, the maximum sum available will now be £3000.

The loan and saving protection schemes have been a bonus available to members since the credit union was founded. They have never been guaranteed and have always been subject to change.

The changes we are introducing will offer extended protection to more members, although a small number of savers could potentially receive a smaller payout than before.

Should you have any questions about these enhancements, please do not hesitate to send an email to

The schemes are underwritten by Sterling Life Limited. Sterling Life Limited is authorised by the Prudential Regulation Authority and regulated by Financial Conduct Authority and Prudential Regulation Authority.

In association with CUNA Mutual Group Limited

CUNA Mutual Group Limited is authorised and regulated by the Financial Conduct Authority.

A message from your Credit Union

Dear Member,

We are preparing for a massive development programme, which will change how we deliver our products and services to you, and we need your help with this change.

It is vital that we have up to date information on file, so we are asking all members to take a few minutes to update their details if necessary - or confirm that their details are correct.

  • Have you moved home or address?
  • Have you changed your bank details recently?
  • Do we hold the correct beneficiary details?
  • Have you updated your member records?

There are many benefits in ensuring your details are accurate. These include:

  • Helping prevent Fraud & Identity Theft
  • Mail Arrives At The Correct Address
  • Accurate Data Is Sent To Credit Reference Agencies
  • Speeds Up Our Services

You can update your details online or by telephone.

To update online, click HERE to log into your Credit Union account. Once you have logged in, click the link to Online Application Forms and then fill in the Update/confirm details form.

To update your details by phone, simply call the office on 0141 - 445 -0022. The call should last approximately three minutes.

Thanks for your co-operation in this matter.

Exciting times ahead

YOUR NHS Credit Union is poised to transform the services it offers to members.

The NHS Credit Union is aiming to implement a new banking software system and adopt a collaborative operating model for products and services that will revolutionise the way members can access their accounts. The development is part of a massive Government-backed project which aims to expand credit union services across the country under a shared operating model.

News of the move was unveiled at our Annual General Meeting  in Glasgow’s Southern General Hospital.

Among the key service improvements the new software will offer members are:

Quicker account opening;

More accessible products and services;

Online presence dramatically improved;

Quicker lending decisions.

General Manager Robert Kelly described the development as: “The most significant initiative ever undertaken by the NHS Credit Union.”

He added: “This will transform the facilities we have available for our members – without detracting in any way from our basic philosophy. The shared operating model approach also typifies our commitment to collaborative working and co-operative principles.

“We want to be able to offer our members a wide range of financial services, but we are proud to be a financial co-operative, dedicated to health staff and their family members.

“While we are determined to embrace the future and take advantage of advances in technology, our ethos and value base will remain true as we go through 2015 and beyond.”

Apart from the transformation of services, other good news revealed by the Glasgow-based credit union last night was a surplus of more than £186,000 in the last financial year. Members will share in that success as they enjoy a dividend payment of 0.5% on the balance in every share account.

Members also heard how the organisation had enjoyed substantial growth in all key areas of the business in t 12 months to September 30, 2014.

Membership had grown by more than 1,100 to 11,145; loans issued to members in the period rose by £860,800 to £6.3million and total savings held on behalf of members was up  £1.62m to £13.4m. 

The AGM saw the appointment of four new directors, bringing the total back up to the agreed level of 13.

The new faces on the Credit Union board are Dr Mathis Heydtmann, Lindsay Calderwood, James Hobson and Tom Waterhouse.

While the new faces were welcomed, the Credit Union also paid a formal fond farewell to Robert Rae and Peter Ramsay. Robert was a founder member of the credit union and has played a huge part in its development over the years. While still a passionate supporter of the organisation, pressure of work means he has had to stand down as a director.

Peter Ramsay, until this year the credit union’s treasurer, also stood down as a director because of pressure of work. His contribution was praised by his successor Robert Hosie.

Bringing the meeting to a close, Credit Union Chairman Hugh Sweeney said these were “massively exciting times” for the organisation.

He added: “The credit union will continue to grow, evolve and innovate in the years ahead. It is a truly exciting journey and I wish to thank my fellow Board members and staff team for their continued dedication and hard work during the 2013-2014 financial year.

A digital copy of this year's annual report is now available for members to read online. Simply log into your account and head for the members' notices section.

That was the year that was!

The curtain has just come down on the most successful 12 months in the 16-year history of the NHS Credit union.

During the last 12 months, we have seen the all-time loans total burst through the £50million barrier; celebrated the busiest single month in our history in May when loans issued exceeded £730,000 for the first time ever - and seen members’ savings pass £13m.

Since January 2014, we have welcomed more than 1900 new members and issued almost 5600 loans, totalling more than £6.5million. The credit union now offers financial services to more than 11,500 health service staff across Scotland and the north of England.

Looking back over the year, General Manager Robert Kelly said: “It’s incredible how we have grown when you think that the organisation began its life operating from a nurse’s bedroom in the Southern General Hospital in 1998.

“We have just celebrated our 16th birthday, and in that time have issued more than 41,000 loans to our members, totalling more than £50.2million.

“And the loans keep on growing. Since the start of this financial year in October, members have received loans in excess of £1,865,000 – up around £130,000 on the same period last year.

“While we pride ourselves on that growth, we are equally proud of the fact that our lending ethos has never changed from Day One. We won’t issue a loan to a member unless he or she can afford the repayments.

“It was a good year for the business, and the credit union looks forward to continuing to serve our rapidly growing member base with the same dedication and values as we have done for the last 16 years.”

Tess can answer your query

There's been a lot going on in your credit union, with another significant development to our automated telephone system (TESS); news of one of our volunteer directors taking on another role - and a wake-up call to make sure members don't miss the boat when it comes to Christmas loans. The news about the telephone system is a big step forward for the NHS Credit Union. Now, simply by dialling into the service, members can check when their loan was received; they can check if all the paperwork is in order, or whether they need to do anything more, and they can also check when the loan is likely to be approved. Almost 1300 members have already registered to talk to TESS and it couldn't be simpler to take advantage of the service.
If you are one of those members, you can now dial in anytime you want and select the appropriate option.
If you've not registered yet, it will only take a few minutes to join the growing band. Simply call the office during normal opening hours on 0141-445-0022 for a temporary pin and then you can talk to Tess to set up your service.
Once set up, you can find out that vital loan information, check your account balance - or submit a share withdrawal ... at any hour of the day or night.
For detailed information about the best ways to use the new system, click this LINK.

To find out more about how you can help Credit Union Director James Coyle help other people, click HERE

For more information about our Christmas loan deadlines, click on the News Headlines link at the side of this page.


Bank on James to help out

Credit Union director James Coyle already invests a great deal of time helping improve the financial health of NHS staff.
And now the nursing auxiliary is taking on another voluntary role – with the Greater Maryhill Foodbank.
Explaining the motivation for tackling this new challenge, James said: “The vast majority of people relying on foodbanks are working people, those who are ill, on low wages and zero-hour contracts, and I thought this could easily be me. I can’t build or even paint anything, but I can do voluntary work like this to help people.”
James has been seeking contributions from colleagues at the Southern General Hospital and beyond. He describes the response to date as “overwhelming and fantastic”, adding: “It‘s not just food that’s needed – there is also a demand for clothes, toys, toiletries and feminine hygiene products.”
*If you want to contribute any of the above items to the foodbank, you can email him at - You can also contact the foodbank direct at

*If you are a member of the NHS Credit Union and think you would like to join James and the rest of the volunteer directors, then find out more by contacting General Manager Robert Kelly. Email: or tel: 0141 445 0022.



Thousand members talk to Tess

Our new  automated telephone service (TESS) has just passed a memorable milestone with the 1000th member signing up.
The facility allows members to access a wide range of services through the telephone - 24 hours a day. For example, you can check your account balance or submit a share withdrawal ... at any hour of the day or night.
And it only takes a couple of minutes to sign up. Simply call the office for a temporary pin and then you can talk to Tess to set up your service.
For  detailed information about the best ways to use the new system, click this LINK.
To request a temporary pin, call the office on 0141-445-0022.


Contact details correct?

Your NHS Credit Union is in the middle of a massive development programme which will improve the way we deliver services to our ever-increasing family of members.
For the project to achieve its goals, it is vital that the contact details of all our members are accurate and up to date ... and that's where you come in.
We are asking all our members to check that the information on their account is accurate, and as detailed as possible.
Have you moved home? Make sure we know your new address.
Have you changed your name after getting married? Make sure you have informed us of the change.
Have you changed your bank or your beneficiary? Make sure you have told us the new details.
We are keen to keep all our members involved as we take this next step forward, but we can only do that if you help us by making sure you provide us with all the correct contact details.
If you need to change any information, click on this link and complete the request for a change of details form. We will then post you the form for completion and signing, along with details of any paperwork you need to provide us with to authenticate the change. It's imperative that you provide the required documentation.
As we move forward, we are hoping to use email to speed up the communication process with all our members. Can you please check if you have given us an email address, and if not, then please give us one if at all possible.

Thanks for your co-operation in this matter.

Step-by-step guide to our new phone system

Hundreds of members have now registered for our new automated telephone system, giving them access to a wide range of Credit Union services at any hour of the day or night.

Members wanting a share withdrawal now need to submit their request either online or through the phone system. This speeds up the process and means the funds are in their accounts much quicker.

Detailed guides have now been completed to help you register for the telephone service, or get online.

To access the phone guide, click HERE

To access the online guides, click HERE

It’s an all-time record

Your NHS Credit Union now has more than 700,000 reasons to celebrate.

Figures just released reveal that loans issued by the organisation reached a staggering £737,316 in May - the first time in our 15-year history that loans have topped £700,000 in any month.

Total loans issued since we started out in 1998 are now approaching £47million, with almost £2.5m distributed to members in the first five months of this year alone. Savings and membership have also surged, with around 11,000 members having a total of more than £12m in savings.

The record-breaking loan total is just the latest success for your credit union, which has invested heavily in new technology since celebrating its 15th birthday.

Visits to our website have soared by more than 36% to 86,763 since it was relaunched in January. And hundreds of members have already registered for our new automated telephone service in its first few days of operation.

General Manager Robert Kelly described the latest success as a phenomenal achievement.

He added: More and more people are beginning to realise what a difference a credit union can make to their financial health. The growth in our loan book shows that thousands of NHS staff have benefited from our services - and we would hope to help many more in the years to come.

Hugh Sweeney, Chair of the credit union, was also delighted at the development - and the remarkable efforts put in by the credit union staff.

He said: The growth in business has meant a hugely increased workload for our staff, but they have shown great willingness to adapt to change. Our staff are a huge asset when dealing with members, and their efforts are genuinely appreciated.

The NHS Credit Union was launched in November 1998, and in its early stages operated from a nurse's bedroom in Glasgow's Southern General Hospital.

It now has its own offices, a growing staff of 10 ... and caters for health service workers and their families all over Scotland and the north of England.

Be aware of this scam

Scam website alert ...

Members of the NHS Credit Union should be aware of a scam website which has recently been established. Based in South Africa, it is offering loans - claiming to be from the NHS Credit Union. This organisation has nothing to do with the NHS Credit Union and should not be mistaken for such.

The scam address is NHS cred union.

We have informed the relevant authorities of the situation and requested that the scam website be taken off line. In the meantime, we are just making our members aware of the situation.

If any member of the NHS Credit Union has any concerns about this issue, they can get in touch with us through the Contact Us link on our website at or by telephoning the office on 0141-445-0022


Talk to TESS


The latest steps have just been taken to improve the services on offer to members of the NHS Credit Union. We have launched our new, automated telephone system (TESS) - and the great news is that this facility has now gone live.

Once you have contacted the office for the first time and set up your phone PIN, the system opens up access to a wide range of member services through the telephone - 24 hours a day.

Naturally, there will be teething problems with the launch of any such service, and we would like to thank you for your patience to date, and ask you to bear with us as we fine tune the system so that it best meets your requirements.

For  detailed information about the best ways to use the new system, click the link below

Cheque this out - please

YOUR NHS Credit Union would like to inform members of a change in service provision.

As of now, the cheque encashment facility is no longer be available at Linthouse Post Office.

The reason for the change is that the current shop will no longer be a sub Post Office.

Members should rest assured that the change should NOT mean any delay in them receiving funds as we now use Immediate Payments, which will pay the money into their bank account after 5pm on the day requested.

The quickest way for a member to get funds from now on is to submit a share withdrawal online before 2.30pm. Assuming there are sufficient funds in the account, the request will be processed and paid out that night.

We'd like to apologise for any inconvenience caused by this change at Linthouse Post Office.

Help us to help you

Recent policy changes at the NHS Credit Union have made it easier for members to apply for loans. These changes have proved very popular with members - and resulted in a huge increase in demand.
Unfortunately, with that increase in demand, there has been a corresponding increase in the time taken to process applications. As all loans are personally assessed to ensure they are suitable for the individual member, we are now taking the full five banking days to reach decisions.
The staff are doing everything in their power to reach decisions as quickly as practical - and this is where members can help us to help them.
We fully appreciate that members are anxious for news on their applications, but every time a member phones the office to inquire when they will get a decision, staff have to stop processing loans to answer that inquiry.
If members could allow us the five bank working days stated in the application form BEFORE phoning the office, we would be very grateful.
If you have not received any contact from us - and if the funds are not in your bank account after that time - then feel free to contact us to make sure we have received your paperwork.

Members should also bear in mind that many of their inquiries can now be answered online. Simply by registering through our website at, they can access a wide range of services ... with easy-to-follow help guides available should they encounter any difficulties. Again, this reduces the number of telephone calls coming into the office.
Your co-operation in this matter would be greatly appreciated ... and would allow us to provide you with a better service.

Golden days for NHS Credit Union

IT'S a golden time for your NHS Credit Union - as it joins in the celebrations to mark 50 years since the first credit union was formed in Britain. 
Although the NHS Credit Union only began life in November 1988, the movement has been around since April 1964, when the Wimbledon Credit Union was formed.
There are now around 400 credit unions across the UK, providing a range of financial services to more than one million members - and taking care of assets worth more than £1billion.
Credit union pioneers from across the country were honoured at the recent Annual Conference of the Association of British Credit Unions.  
The NHS Credit Union celebrated its 15th birthday in November. Since it began life in the nursing quarters of Glasgow's Southern General Hospital, it has grown to serve the financial needs of more than 10,600 health service personnel across Scotland and the North of England. It has issued loans totalling more than £45million - and looks after members' savings in excess of £12million.
It is also in the middle of a nationwide expansion project for Credit Unions, and is investing heavily in new online and telephone services for members.
General Manager Robert Kelly, who was recently promoted to the prestigious post of President of the Association of British Credit Unions, said: “We are proud to be part of a national and international movement which makes decisions for the best interests of its members, not external shareholders.
“While it is important that we grow and change to continue meeting the needs of our members, we shouldn’t forget the founders whose ambition and innovation helped us get to where we are today.  
 Our members will always undoubtedly “matter most” and that will remain our mission going forward. 

Read all about it

The last financial year was a landmark one for your NHS Credit Union - and you can now read some of the highlights online.

The annual report, which outlines some of the key achievements of last year, as well as targets for the year ahead, is available for members to read by clicking the link below.

ClickDownload annual report (731.6kb)

A selection of pictures from the meeting can be found HERE

Keeping you in the picture

Our new website is certainly proving popular with members - and we aim to keep it that way.
However, as with any major changes, there are always teething troubles. With that in mind, we are producing a series of guides to help our members adapt to the changes.
The first is now available through the Join Us section of the website and shows you how easy it is to register for online access.
Among the other new sections added since last month's launch are pages dedicated to what others are saying about the NHS Credit Union.
The Hitting the Headlines section can be found through the About Us link, and it's worth a wee look.
Another new development that you might like is a video, hosted on our Facebook page, guiding you through the process of joining the NHS Credit Union online. It's the first in a series of such guides - all designed to make life easier for members - and would-be members to join our financial family.
You can check out the video at the NHS Credit Union Facebook page

Robert leads curlers to victory


















  Credit Union director Robert Hosie showed he was a dab hand with a broom when he led a team of curlers to success in the annual NHS Bonspiel.
The event took place at Kinross, less than 24 hours after the GB mens’ curlers took Silver in the Winter Olympics at Sochi.
The winning Greater Glasgow & Clyde team was made up of Steve Russell (skip), Neil Murray, Marjorie McCulloch and lead Robert Hosie.They won both their games, beating Fife 16-6, and Tayside 19-0.
Robert (second from left) is pictured with the rest of the victorious rink after an enjoyable day ... even if some of the curling was not quite up to Socchi standards!

Beware of Spam

We would like to advise members to be wary of an email which is being sent to a host of email addresses in the UK.

It offers loans in South African Rand and purports to come from the  NHS Finance Credit Union.

We are not aware of any organisation known as the   NHS Finance Credit Union.- and if such an organisation does exist, it has absolutely NO connections with the NHS Credit Union.

Your NHS Credit Union would like to urge all members to be careful if you receive communications from the
  NHS Finance Credit Union  and if you are in any doubt, do NOT click on any links or respond to the email.

Your NHS Credit Union will be sending out newsletters to members and other communication updates in relation to our annual general meeting. This correspondence will be identified as coming from the NHS Credit Union, and will have gone through our website security system.

If you have any worries about this issue you can call our office on 0141-445-0022.

Start spreading the news ...

Your NHS Credit union has been hitting the headlines again. Find out why by reading this article in the latest staff newsletter


Make a date

Here's a date for your diary ... Thursday, January 30. That's when the annual general meeting of the NHS Credit Union will be held ... but it won't be like any previous AGM. We're not giving away too much at this stage, but the evening will feature a celebration of our 15th birthday. Watch this space.

Another big step forward

Your NHS Credit Union has just achieved another significant milestone in its development.
We have become the first credit union to be granted Version 2 status since the Prudential Regulation Authority and the Financial Conduct Authority took over the regulation of credit unions.
The move greatly increases the flexibility we have in the product range we can offer - including larger loans over a longer period of time.
Version 2 credit unions also enjoy more flexible borrowing and investment rules, and very few credit unions in the UK have achieved this status.
We'll keep you posted on new services and other developments as and when they are unveiled, but it promises to be an exciting year ahead as the NHS Credit Union fulfils its pledge to extend the ways we can offer members of our family a financial helping hand.
The NHS Credit Union was formed in Glasgow in 1998, and as we prepare to celebrate our 15th birthday, we have seen membership grow to almost 10,000 people, saving just under £12million between them.  The credit union has lent more than £42m since it started. 

Fight stepped up on payday loan misery


Two of the biggest public bodies in Scotland have joined the fight against payday lenders preying on vulnerable families.

And both are also taking positive steps to persuade employees of the benefits of credit union membership.

As was widely reported in a number of newspapers such as the Herald (right) NHS Greater Glasgow and Clyde has now joined Glasgow City Council in blocking access to payday loan websites from office computers.

The bans come in the wake of a shock council report revealing how up to 100,000 people in Glasgow are borrowing £57m a year from payday loan companies, pawnbrokers and other non-standard lenders.

City Council Treasurer Paul Rooney said: There has been some important work done at a national level, but this is the most significant research anyone has done on the extent and the impact of payday lending in one community.

I think we all suspected that the use of these loans would be relatively high in Glasgow, but the figures are startling.”

The council found its evidence suggested many of those struggling with payday loans would have been better served by a credit union.

The health board is the west of Scotland’s largest employer with more than 38,000 staff.

Its action on payday websites is part of a determined drive in partnership with the NHS Credit Union to promote responsible lending and saving to staff and patients.

Dedicated financial advice and support is now available to all staff. This includes encouraging them and their families to become members of the NHS Credit Union which the board says is “one of the most trusted and secure ways to save and receive loans with no hidden penalties - unlike many doorstep or payday loans companies”.

Dr Noreen Shield’s, NHSGGC Corporate Inequalities Officer, added: “We know that financial worries, debt and poverty are affecting almost every aspect of people’s lives, having a damaging impact on their work and home lives, family relationships and health.”

Robert Kelly, General Manager of the NHS Credit Union, said: “It is excellent to see such a large public sector organisation taking a lead in this field and I am very hopeful that the private sector will now follow suit.

“As one of Scotland's fastest-growing financial institutions we don’t just offer our services to NHS staff but also to their families as well. Through our long standing partnership with NHSGGC we are very keen to attract young members and are determined to create a whole new culture of learning how to handle finances responsibly and ethically.”

To find out more about the new drive to encourage sensible borrowing, log on to any of these sites:

Evening Times

Glasgow City Council




Read all about it

It's been a busy period for staff at your NHS Credit Union, with loans hitting new heights and more members joining our financial family. See what one newspaper made of the success story at the link below.

We aim to please

Staff at the NHS Credit Union go out of their way to help members - and the service is appreciated -  as this email from member Marilyn King confirms.
Marilyn wrote: Would just like to take the opportunity to thank you for all your help 
Really appreciate all the help and assistance and common sense approach I received.  I have experience in banking myself, so I know what it can be like at times and there is no-one more demanding than the public. 
Please keep up the good work.
Thanks Mariliyn, we do aim to please.

NHS Credit Union Limited Tel: 0141 445 0022 Fax: 0141 440 2294 Email: Web:
NHS (Scotland & North England) Credit Union Ltd is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ‘NHS Credit Union Ltd’ is a registered trading name of NHS (Scotland & North England) Credit Union Ltd.