new joiner benefits
WELCOME to our NEW members!
Not sure of all the BENEFITS to having a Harp and Crown Credit Union account? If you've joined us recently....here's all the detail you need to know about your HACCU membership!
Questions? Get in touch today (open Mon - Fri 8am-4.30pm).
Email creditunion@harpandcrown.co.uk or phone 028 9068 5198.
Members, did you know?
-
A MINIMUM OF £10 is all that’s required for you to save monthly to keep your account open.
-
INSTANT ACCESS to your funds 24/7 via our NEW ONLINE BANKING APP (see below).
-
ONLINE BANKING APP: We recently upgraded our online banking facility. Now with a WEB-BASED APP, access to your savings 24/7 and a FASTER PAYMENTS facility! Check your new joiner confirmation email for all that you need to access your online account (membership number and PIN).
-
LODGEMENTS: In your first 6 months of membership, a maximum £250 can be paid per month via payroll or direct debit (£100 per month maximum for Junior accounts in first year). In addition, a maximum lump sum lodgement of £5,000 can be made in your first year via debit card payment or BACS payment (just contact the office).
-
ANNUAL DIVIDEND: Unlike a bank, credit unions provide members annual dividends on savings according to profits. Loan interest rebates may be payable to borrowers also!
-
FREE LIFE COVER: All Harp and Crown CU members receive FREE LIFE COVER up until 70 years of age. In the event of your death, your BENEFICIARY could receive up to £5,000 on TOP of your savings balance.
-
LOOKING AFTER YOUR FAMILY FINANCES: once you become a member, YOUR family* can also join and save towards a healthier financial future! *Ts/Cs apply. BRAND-NEW ONLINE JOINING PROCESS FOR YOUR FAMILY HERE! Also, did you know? We now have a 0% INTEREST SCHOOL UNIFORM LOAN to help with back-to-school costs! *you must have a Junior account or child account up to and including age 18 years to avail of this loan product.
-
FIRST TIME LOAN: An excellent FIRST TIME LOAN rate of 5.5% is available* to YOU! Not yet taken a loan out with us? You could borrow 5 x times you savings up to a maximum £12,000. *Ts/Cs apply.
-
NEW FLEXI-LOAN: You could also avail of our NEW Flexi-loan which provides a line of credit when needed. Please note: this can be taken in addition to the First Time Loan / other loan products. Borrow between £500 - £3,000. Example: borrow £3,000 and pay the minimum £97 per month. Ts/Cs apply.
-
KEEP UP TO DATE WITH US ONLINE: make sure you follow us ONLINE to ensure you don't miss out on our latest updates! Follow us on SOCIAL MEDIA, our WEBSITE NEWS section and make sure you have joined our EXCLUSIVE MAILING LIST to receive monthly ezines with competitions, access to the Police Gazette online and more!
WHO else in YOUR FAMILY can join?
Did you know YOUR family members (as follows) could become members of the Harp and Crown Credit Union?
- Your SPOUSE/PARTNER
- Your CHILD or GRANDCHILD* aged 0-15 years
- Your CHILD aged 16+
AND we no longer require family members to come to our office with IDs and Address Verification to join!
Find out more
0% school uniform loan
If you are a parent or guardian preparing for the new school year, this is the perfect product to help manage back-to-school costs.
Borrow up to £400 over 6 months with NO INTEREST and NO PLEDGED SHARES. Ts/Cs apply.
Who can apply?
- Members must have a junior account or associated family member account (child or grandchild up to and including age 18).
- Members can apply for one loan per child (based on eligibility).
free life cover
All Harp and Crown Credit Union members receive FREE LIFE COVER up until 70 years of age.
- Your SAVINGS and LOANS are protected with life cover at no direct cost to you.
- In the event of your death, your BENEFICIARY could receive 1.5 times your savings balance (additional benefit capped at £5,000). Example: £10,000 savings balance - your loved one could receive £5,000 on TOP of your savings.
- Any outstanding LOAN BALANCES would also be cleared.
online banking app
Meet your upgraded mobile app and member portal! In addition to our faster payments facility (access your savings 24/7) and simple loan application process, the following NEW facilities are now available:
- Biometric Login
- Savings Pots
- New Home screen
- Online Chat
- Online Forms
- Manage Trustee accounts (your Juniors)
- Statement Requests
first time loan
An excellent FIRST TIME LOAN rate is available* to YOU!Not yet taken a loan out with us? Need to purchase a NEW CAR soon?
- First Time Loan rate of 5.5% APR
- Borrow 5 x times you savings up to a maximum £12,000.
- We no longer require new members to make one payment via direct debit or payroll to qualify and apply. Simply get in touch via email once your membership is activated to organise the relevant deposit required for borrowing e.g. deposit £2,400 to borrow £12,000! *Ts/Cs apply.
flexi-loan
Whether you're an existing borrower or have never taken out a loan with us before, you could be eligible to apply for this fantastic NEW loan product.
- Provides credit when needed. Ts/Cs apply.
- Borrow between £500 to £3,000
- NO pledged shares required
- Can be taken in addition to another loan product
Email creditunion@harpandcrown.co.uk or call 028 9068 5198 Mon-Fri 8am - 4.30pm.
follow us on our socials
Did you know we are on the following social media channels?
- X (formerly Twitter) - for more regular updates
- Instagram - for fun, behind the scenes video reels and more!
- Threads (private account)
Prefer not to follow us on social media? No problem, please just add our website news to your favourites tool bar to keep up to date.
AND don't forget to join our EXCLUSIVE MAILING LIST to receive monthly ezines with competitions, access to the Police Gazette online and more!
CONTACT US TODAY
Questions? Get in touch with us between Monday to Friday 8am - 4.30pm.
E: creditunion@harpandcrown.co.uk
The Harp and Crown Credit Union has been providing safe, ethical and flexible finances for the Police and wider Police family in Northern Ireland since 1998.
