What is a Credit Union?

A Credit Union is a non-profit making, self help financial co-operative formed and run by people who have a common bond.

Common Bond

Each credit union is governed by a Common Bond, that of the Harp and Crown is the wider “police family” in Northern Ireland.  Our rules for membership are highlighted below: 

  1. The qualification for admission to membership of the credit union shall be that of being a serving PSNI officer, employee, staff or retired member (or have left service/employment) in receipt of a continuing and regular contractual payment arising from an occupation within the Police Service, Harbour Police, Airport Police and other UK/ Irish police services where the applicant is now resident in Northern Ireland; or an employee or staff or retired member in receipt of a continuing and regular contractual payment arising from an occupation within the Police Federation of Northern Ireland so that in consequence thereof, there shall be a common bond between all of the members. This will also include NI Police Fund staff; PRRT staff, and staff/members of Newforge Sports Complex. 

  2. A person who is the spouse/partner of or child or grandchild of, a member of the credit union, who fulfils the qualification for admission above shall be deemed to qualify and shall be eligible for membership.  Children and grandchildren aged 0-15 years qualify for our Junior account facility and those aged 16+ will be eligible for a family/adult account

Running of the Credit Union

The credit union is run by a Board of Directors who meet once a month to discuss the operations of the Harp and Crown, review any policies and promotions and general running of the credit union.

There is a Credit Committee appointed by the Board which meets twice a month to consider and approve loans.

A Supervisory Committee check all transactions, paper work, lodgements and insurance policies to ensure that all accounts and records are kept in order.

The general day to day running of the credit union is carried out by the loans officers who are available to discuss any details regarding your account and to issue loans and share withdrawals.

You can email the loans officers via creditunion@harpandcrown.co.uk


Harp and Crown Credit Union Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number (FRN) 577113. For details visit http://www.fca.org.uk
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