Payroll Plus


Payroll Plus is a payroll deduction scheme that gives you easy access to credit union services. You can become a member, build your savings and find out more about our affordable loans. Deductions are transferred from your salary directly to your credit union account. You decide the amount.

The process is straightforward. Simply join online then download and complete the Payroll Plus application form (download here). Please return the form to us - you can email it to

Save for that rainy day or the finer things in life that you have been working towards. All credit union savings are protected by the Financial Services Compensation Scheme (FSCS) and also our own insurance cover (T&C's apply). 

You will find our loans an attractive alternative with our low-interest rates and no hidden fees. 

We exist solely to serve the communities of South Manchester with financial services - 17 years and counting. Become part of something special.

Sleep Easy

Sleep easy at night knowing you have a financial safety net in the form of your credit union account

Easy to Save

Our saving accounts and easy deposit methods make it simple to save

Insured Loans

We offer free insurance with our loans
Click here to learn more about insurance T&C’s

Insured Savings

We offer free insurance on savings
Click here to learn more about insurance T&C’s

For the People

You are at the forefront of the organisation. Decisions that we make are to meet the diverse needs of our members

Quality Service

We provide quick, comprehensive support. We look to go the extra mile for those who need it


The Chartered Institute of Payroll Professionals (CIPP) demonstrates support for credit union payroll schemes and gives clear information here.

We offer a free payroll scheme service. The only cost to employers is processing time within your payroll department and we work with you to keep this to a minimum. 

Employee morale can be boosted through having easy access to credit union services. This can have a positive impact on wellbeing and promotes productivity as well as staff loyalty. 

Enhance your social responsibility through forging stronger links with your local credit union. Supporting the ethical side of finance shows that you care.


Reduce Employee Stress

Debt can lead to stress and stress can lead to absenteeism. Help as much as you can with this payroll deduction scheme

Boost Staff Morale

This scheme puts the staff first; take care of them as you want them to take care of your organisation and keep everyone smiling

Socially Responsible Employer

Safeguard employees from payday loan companies and support the ethical side of finance

Employee FAQs
What is Payroll Plus?

Payroll Plus is a payroll deduction scheme where a set amount is taken from your monthly salary and put into your credit union account. You decide the amount you want to save and this can be adjusted when you want by getting in contact with a member of our team.

Is the account private?

Yes. The only time someone will know about your credit union account is when you inform your manager that you want to take part in the Payroll Plus scheme. All loans and savings amounts are confidential between you and the credit union and all information is protected by the Data Protection Act.

How much do I have to pay?

There is a one off joining fee of £3 and no other annual fees or hidden charges.

Is my money safe?

All savings are protected by the Financial Services Compensation Scheme (FSCS). Credit unions also offer free life insurance and loan protection insurance (T&C’s apply).

How accessible is my account?

You can access your account and arrange to withdraw your savings through our 24 hour website. Withdrawals arranged before 3:30pm on a working day will be processed by 6:00pm.

Employer FAQs
Can credit unions be trusted?

1.3 million people are members of credit unions in the UK alone, and millions more worldwide. All UK credit unions are authorised and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). As with all banks and building societies, they require robust financial systems, training of staff, and internal/ external audit systems. Insurance policies protect member’s saving from fraud, theft and dishonesty. And with credit unions regulated in a similar way to banks and building societies, you money is protected by the Financial Services Compensation Scheme (FSCS).

Is it complicated?

The credit union provides comprehensive support, guiding the company through the launch, operating the scheme and dealing with all enquires. All the employer has to do is facilitate monthly deductions from salary, with a single monthly exchange of data and BACS funds transfer.

How much is it?

It’s a very low cost benefit. All services are provided to the business by the credit union without charge, so the cost of setting up deductions from payroll will be the only expense.

Who else is on board?

Major UK employers who already offer their staff a payroll deduction savings and loans scheme through a credit union include BAE Systems, Royal Mail, NHS, British Airways, Tata Group, Go-Ahead Group and Stagecoach. The CIPP actively promote credit unions.

Why do I need it?

Stress is the main cause of sickness absence across the UK. University of Nottingham reports that indebtedness is a principle cause of depression leading to mental illness. This scheme will enable staff to manage their money better, reducing the likelihood of debt. Most companies also aspire to enhance their corporate social responsibility profile and introducing our scheme is a simple, cost-free, low admin way to do so.