helping you plan for the future...


‘the future is bright’ when saving with Advance Credit Union

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balance your finances ...


Credit card minimum payments or paying too much for other debts? Consolidating your debts could help get you back in control

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Time for a new car? ...







Borrow up to £8000 from your credit union

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Wish you were here? ...





A loan from credit union could make it happen!


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Smartcash Junior Account

Help your kids learn how to manage their money, for children aged 8 – 16 years

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Covid-19 Lockdown 2 update

From Thursday 5th November England will again be under restrictions to contain the Covid-19 pandemic.
We’ve reviewed our arrangements, and for this second lockdown our customer service will continue as usual with staff either home-based or in the office.

We will do our best to keep the customer counter open from 10am-1pm Monday to Friday as usual, but do please use internet banking if possible so we can keep the counter available for new Members presenting their ID and for those who don’t have internet access. If you’ve not activated internet banking yet, it is very simple, and enables us to provide you with a faster service. How to activate internet banking.  

Many thanks to the 1,353 Members who have activated internet banking since the first Lockdown – we couldn’t have done it without you! 

Thanks to everyone for your patience, these are difficult times for us all and we now owe it to our friends, family, NHS and all the other essential workers to do our bit – stay home, wash our hands regularly, wear a face covering and keep at least 2m distancing


Christmas Club withdrawals 2020

Congratulations to all our Christmas Club savers – more than 300 of our Members have saved £113,000 this year towards Christmas, another record!

Christmas Club withdrawals are now open from Friday 1st November until 31st December.

Due to Covid-19 restrictions, please use internet banking to withdraw your Christmas Club savings.

For those Members who are unable to use internet banking, the withdrawal form is available from our office in Erdington. 

There is no fee charged for Christmas Club withdrawals.

Need to topup your Christmas Club savings with a Christmas loan? That’s OK, Members can apply for a loan until Friday18th December, applications received after that date may not be processed in time for Christmas.

Our loans start from £300, interest rates range from 9.4%APR to 42.6%APR. see our loans.




Christmas Loans 2020

Christmas presentIt will soon be Christmas, so don’t miss out on our Christmas top tips to help you get the most for your money this Christmas.

Not a credit union member? the last date to apply for a Christmas loan is Friday 4th December 2020. Loan applications after this date may not be considered until after Christmas. You can join as a member and start saving with us at any time. Find out how to join credit union

Credit union member? the last date to apply for a loan before Christmas will be Friday 18th December.  Be sure to upload your 3-months bank statements to enable us to make your loan offer, or use OpenBanking if you are a Member. If we have your correct email contact details on file then we will send your loan agreement with instructions to E-sign your loan if possible.

To help members who want a Christmas loan top up, with effect from 1st October members may top up their loan if the outstanding balance is £300 (increased from £200). Login to internet banking to check your outstanding loan balance and apply for your topup.

Our loans start from £300, interest rates range from 9.4%APR to 42.6%APR. see our loans.


Christmas Loan Deadlines

Non-members: Friday 4th December

Members:  Friday 18th December







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