Personal finance at your fingertips

John Thomson
John Thomson
30/03/2021
Verified
Very good and great customer service 👍
Sharon Davies
Sharon Davies
29/03/2021
Verified
I’ve been with South Manchester Credit Union for just over a year. The staff are amazing, very helpful and professional. They are always happy to help. The Nivo app is very good and any messages are answered swiftly. I would happily recommend them to anyone.
miss mcmillan
miss mcmillan
26/03/2021
Verified
Absolutely fantastic!! communication is brilliant get your money exactly when you need it! I couldn’t do Xmas now without it. Been a member for years and it’s honestly the best thing Iv ever done! Peace of mind takes the stress off Xmas and other unexpected financial problems!
Alison Kilbride
Alison Kilbride
26/03/2021
Verified
These guys are great they go above and beyond for customers keep up the great work guys 👍
Lena Brookes
Lena Brookes
24/03/2021
Verified
Always helpful and response is great and fast

Check out our Covid countdown clock

Want to know when this Covid saga will be over? Well, now you can! We’ve created a Covid countdown clock that is accurate to the second! Keep going, we’re nearly there 💙

Borrow from your credit union

For the new member

Welcome Loan

Loan amount

£150 to £700

APR

42.6%

Example: if you borrow £300 and pay £10 per week. You’ll repay your loan over 34 weeks and pay £37.44 interest – repaying a total of £337.44.

For the child benefit loan

Family Loan

Loan amount

£150 to £700

APR

42.6%

Example: if you borrow £300 and pay £10 per week. You’ll repay your loan over 34 weeks and pay £37.44 interest – repaying a total of £337.44.

For the member with savings

Saver Loan

Loan amount

£150 to £3,000

APR

26.8%

Example: if you borrow £1,200 and pay £20 per week. You’ll repay your loan over 71 weeks and pay £208.29 interest – repaying a total of £1,408.29.

For more than £3,000

Smart Loan

Loan amount

£3,000 to £15,000

APR

14%

Example: if you borrow £6,000 and pay £70 per week. You’ll repay your loan over 97 weeks and pay £774.77 interest – repaying a total of £6,774.77.

For Southway tenants 

Southway Loan

Loan amount

£150 to £300

APR

42.6%

Example: if you borrow £300 and pay £10 per week. You’ll repay your loan over 38 weeks and pay £37.77 interest – repaying a total of £337.77.

For loans fully secured to savings

Secured Loan

Loan amount

£150 to £15,000

APR

9%

Example: if you borrow £800 and pay £20 per week. You’ll repay your loan over 42 weeks and pay £29.76 interest – repaying a total of £829.76.

Join over 4,500 people in South Manchester

Here’s how you can open an account with South Manchester Credit Union:

  • Spot your postcode on the map
  • Download our mobile app Nivo
  • Have ID that shows you and your address
know if you can apply for a loan with the credit union

Put finance at your fingertips

Nivo is an instant messaging app that gives you full access to your credit union account.

You can join, ask for withdrawals, apply for loans and best of all, keep in contact with your favourite credit union!

Saving with your credit union

Open Savings

Deposit as much or as little as you like and withdraw once a month to make saving a lot easier.

Locked Savings

Build your savings to apply for a credit union loan.

Prize Saver

Win prizes up to £5,000 just by saving – £1 equals one entry.

Christmas Club

Lock your savings until 1st November with the savings account dedicated to the festive period.

Young Savers

Give the children a nest egg for when they’re older.

Win up to £5,000
just by saving

Every £1 you save with the Prize Saver savings account is 1 entry into the monthly draw – you’re allowed up to 200 entries.

The monthly top prize is £5,000 and if you don’t win that, you’re still in with a chance to win one of the £20 prizes.

We achieved the 5-star Fair Banking Award!

We have been recognised for putting our members financial well-being at the heart of our decisions. The way it should be.