How to Build an Emergency Savings Fund

04 October 2026

emergency fund 4th oct
Regular saving can help you prepare for unexpected costs and give you greater peace of mind.

Many financial experts recommend keeping at least three months of essential outgoings in an instant-access savings account to help cover unexpected costs.

Regular saving with Harp & Crown Credit Union can help you gradually build your emergency fund, giving you greater peace of mind when you need it most.

And remember — we also offer lower cost loans up to 5 x your savings balance, helping eligible members access affordable borrowing when needed. Ts/Cs apply.

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Ready to start saving?

If you’re part of our wider Police Family Common Bond, you can join online today:

 

*Ts/Cs apply.

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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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