Benefits for Credit Union Members Aged 70+

09 September 2026

over 70s benefits 9th sep
“I’m over 70, what are the BENEFITS of staying a credit union member?”

Turning 70 doesn’t mean you stop benefiting from your Harp & Crown Credit Union membership.

While our Free Life Cover is available to members up to age 70, there are still plenty of reasons to keep saving and stay part of your Credit Union.

  1. Your savings are protected: YOUR BENEFICIARY/LOVED ONE will receive ALL your savings. We have simplified this process as far as humanly possible to minimise the burden on your loved one.
  2. You could receive an annual dividend: As an active member, you remain eligible for any annual dividend and loan interest rebate declared at the AGM.
  3. Access to affordable loans: You can still benefit from our range of flexible, affordable loan options. *Ts/Cs apply. Whether you’re looking to make a large purchase, improve your home, replace your car or cover an unexpected expense, we may be able to help.
  4. Easy access to your savings: Our members have instant access to their savings with no penalty.
  5. Personal service when you need it: Our friendly team is here to provide personal support and answer your questions, whether you prefer to call, email, visit us or use Online Banking.
  6. Invest in your family: Your membership can benefit more than just you. Your spouse or partner, children and grandchildren may also be eligible to join Harp & Crown, allowing your family to enjoy the benefits of Credit Union membership too.
  7. Remain part of the Police Family: Harp & Crown has been serving the Police family in Northern Ireland since 1998. As a retired member, you remain an important part of our Credit Union community, with the same access to our services, support and benefits.
  8. Not for profit: Our focus is on our members rather than shareholders. Your membership helps us support community initiatives and provide competitive loan rates to help members with everything from education and buying their first home to managing unexpected costs.

Questions? Get in touch today!

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
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