Top 10 Benefits of Being a Member!

22 February 2026

member benefits 22nd feb
We are delighted to welcome so many new members on board over the last few months.

Just in case you weren't fully aware, here's our Top 10 Benefits to being a member of the Harp and Crown Credit Union!

  • Ethical & Community-Driven: We’re a not-for-profit organisation, run for members, supporting the wider Police family through wellbeing initiatives, events, and community causes.
  • Safe & Secure Savings: Your money is protected under PRA and FSCS regulations, with no hidden fees.
  • Free Life Cover: Savings and loans include life cover at no direct cost, helping protect your loved ones if the unexpected happens.
  • Save Direct from Payroll: PSNI members can save straight from their salary — making regular saving easy and effortless.
  • Family & Junior Accounts: Savings accounts are available for partners and children, with flexible options and a new online joining process.
  • A Human Way to Borrow: Access fair, lower-interest loans with fast decisions and personal, one-to-one support.
  • Annual Dividend: Members can receive an annual dividend on savings and, where applicable, an interest rebate on loans.
  • Flexible Repayments: If circumstances change, loan repayments can be reviewed and adjusted to help ease pressure.
  • Personal, In-Person Service: Our Newforge office is open Mon-Fri between 8am-4.30pm, with friendly support available and no appointment needed.
  • Online Banking Convenience: Check balances, request withdrawals, and apply for loans online — including access to Junior accounts.

Not yet joined us?

Adults 16+ can complete an online joining form HERE.

JUNIORS 0-15 via THIS LINK.

Questions? Get in touch.

Email creditunion@harpandcrown.co.uk or phone 028 9068 5198.

“Save regularly and borrow only what you need.”

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.

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
regulator fca fcsc