credit union loan


Avoid Payday loans Apr 23


Do you need some financial help before pay day? Payday loans may be tempting in a time of financial need but please be aware of high interest rates and the risk of getting into long term debt!

Avoid Payday loans Apr 23

Summer Loan Promotion Live


Our Summer Loan Promotion is now live!

Summer Loan Promotion Live

Credit Unions Vs Banks


Considering our Summer Loan Promotion?  Here are 10 reasons why you should visit your credit union first, before approaching a bank for a loan…

Credit Unions Vs Banks

First Time Loan May 2023


Are you a new member (a member for less than 6 months) and/or haven’t taken out a loan with us yet?

First Time Loan May 2023

Testimonial Tuesday Ben


Ben applied for a FIRST TIME LOAN to purchase a car, enjoying our lower interest rate of 5.5% APR!

Testimonial Tuesday Ben

Summer Loan Promo one week


We’re half way through our Summer Loan Promotion (one week to go)!  So far we've helped.....

Summer Loan Promo one week

Debt Consolidation Case Study May 23


Continuing our support of Mental Health Awareness WeekOne of our members approached us recently to apply for a loan but hadn’t declared all outgoings.

Debt Consolidation Case Study May 23

Summer Loan Promo 5 days


Only 5 days to go for our Summer Loan Promotion!

Summer Loan Promo 5 days

Summer Loan Promo 4 days


Only 4 days to go until our Summer Loan Promotion ends!

Summer Loan Promo 4 days

Summer Loan Promo 3 days


Only 3 days to go until our Summer Loan Promotion ends!

Summer Loan Promo 3 days

Summer Loan Promo 2 days


Only 2 days to go until our Summer Loan Promotion ends!

Summer Loan Promo 2 days

Summer Loan Promo Final Day


Hurry!  It’s the FINAL DAY of our Summer Loan Promotion!

Summer Loan Promo Final Day

Testimonial Tuesday Ray


Ray qualified for our Summer Loan Promotion, TOPPING UP his existing loan with us.

Testimonial Tuesday Ray

Weather for DIY


Another great day…for some DIY! Perfect for enjoying your garden...maybe it need a revamp for the summer?  Need some help?

Weather for DIY

Top Up Loan June 23


Do you know how much is remaining on your loan with us? Remember our 5 x savings Vs borrowing benefit!

Top Up Loan June 23

Summer Loan 23 Update


WOW! In May during our Summer Loan Promotion we can confirm the following figures:

Summer Loan 23 Update


Credit Union 5 Reasons


Why join a credit union?

Credit Union 5 Reasons

Holiday Plans


We have been spoiled with this great weather! But it’s not set to last!  Time to book your next sun holiday!

Holiday Plans

Credit Union Human Way


Here’s just ONE of the main reasons to apply for a loan with us!

Credit Union Human Way

Member Monday Marion


Marion requested a TOP UP of her existing loan This was actioned and funds were transferred to her nominated bank account, all on the same day!

Member Monday Marion

Holiday Costs Blog


How much has your holiday cost this year?  Read our blog in full here.

Holiday Costs Blog

First Time Loan June 2023


A huge welcome to our new members! Thank you for choosing us as your Number ONE credit union!

First Time Loan June 2023

Member Case Study Debt


We were delighted to help one of our members this week who was struggling with unmanageable debt.

Member Case Study Debt

Jul Holiday Closure


A gentle reminder our next office closure dates will be on Wednesday 12th July and Thursday 13th July. 

Jul Holiday Closure

Testimonial Tuesday Paul


Paul wanted to apply for a new loan and had queried paying off his existing loan balance with his Harp and Crown CU savings. 

Testimonial Tuesday Paul

Loan Calculator


Need help financing a holiday, car, home improvement, credit card debt and more?

Loan Calculator

Rise in interest rates


“Credit card APRs hit 30% as car loans charges double.”

Rise in interest rates

More car loans June


With the recent news of “car loans charges doubling” we’ve seen more of our members coming forward to apply for one of our lower interest loans!

More car loans June

Credit card interest increase


Have you seen a large increase in your credit card or loan interest? Do you have several high interest loans/credit cards to pay off?

Credit card interest increase

Join a credit union today


Why join a credit union?

Join a credit union today

No rates changes here


Harp and Crown CU members! Please be assured our LOANS remain at the SAME lower interest rates!

No rates changes here


Top Up Loan Jul 23


Do you know how much is remaining on your loan with us?  Need some help with forthcoming holiday costs?

Top Up Loan Jul 23


Loan Calculator July


Need help financing a holiday, car, home improvement, credit card debt and more?  And in an ethical, flexible and affordable way?

Loan Calculator July

Education Loan 2023


Do you have a child or more than one child heading off to college or university soon? Or perhaps you’re planning for this big event in one, two or three years’+ time.  Are you ready for the financial investment which comes with your child studying away from home?

Education Loan 2023

Follow us


THANK YOU for following us on social media.

Follow us

Top Up Loan Ahead of Payday


Need a TOP UP to help before payday or to pay unexpected bills this month?? AVOID high interest payday loans and come to us first!

Top Up Loan Ahead of Payday

Testimonial Tuesday Ronan


Delighted we could be of assistance Ronan!

Testimonial Tuesday Ronan

Your Free Life Cover


FREE LIFE COVER for Harp and Crown CU members up until 70 years of age!

Your Free Life Cover

Your Beneficiary


In the event of your death, your BENEFICIARY will take sole responsibility of your Harp and Crown Credit Union account.  

Your Beneficiary

Going Green with an Electric Car


More and more people are moving towards a "greener" way of life, with a range of eco-friendly and sustainable products available.  Some involve large investments, others a simple change in behaviour.

Going Green with an Electric Car

Debt Consolidation Aug 23


 We are an ethical financial services provider, here for our members.

Debt Consolidation Aug 23

Set up your direct debit


Are you retired or have left service?  There’s no need to close your Harp and Crown Credit Union account!

Set up your direct debit

Credit Card Debt Poll


The continued HIGH cost-of-living is continuing to create financial stress for many.  We conducted a Social Media POLL asking YOU if you’re paying off any credit cards or loans…

Credit Card Debt Poll

Back to school loan


Kids BACK TO SCHOOL soon, but not quite organised?

Back to school loan


Debt Consolidation Story


We HELPED a member with several HIGH INTEREST credit cards (one as high as 26% APR)…

Debt Consolidation Story

Testimonial Tuesday Sam


Credit Unions Vs Banks!

Testimonial Tuesday Sam

CU Vs Bank


Apart from ONE great reason alone…the increase in Bank of England rates…and our lower interest rates remaining the same…here's why you should visit your credit union FIRST before approaching a bank for a loan.

CU Vs Bank

A Level Exam Results


VERY BEST OF LUCK to all receiving their AS, A level and CoPE results this morning!

A Level Exam Results

Members Free Life Cover


UNLIKE banks, CREDIT UNIONS such as the Harp and Crown CU provide FREE LIFE COVER up the the age of 70 years old.

Members Free Life Cover

Ethical Borrowing


CREDIT UNIONS Vs Banks:  ETHICAL BORROWING

Ethical Borrowing


Top Up Loan Before Payday


Need a TOP UP to help before payday or to pay unexpected bills this month? Get in touch before the Bank Holiday weekend!

Top Up Loan Before Payday


Loan Interest Saved


We saved a member £500 in loan interest...

Loan Interest Saved

Back to School Poll


How is YOUR Back to SCHOOL week going so far?

Back to School Poll

Student Car Loan


Does YOUR student NEED a CAR for college or university?

Student Car Loan

Instant access to Emergency Fund


Our MEMBER SURVEY so far says 43% of you use your Harp & Crown CU account for INSTANT ACCESS and as an EMERGENCY FUND.  48% cite LOANS as the reason. 

Instant access to Emergency Fund


Finish DIY Projects Now


According to our Member Survey, over 25% of you took out loans for HOME IMPROVEMENT...

Finish DIY Projects Now

September 11th Remembered


“If we learn nothing else from this tragedy, we learn that life is short and there is no time for hate.” Sandy Dahl

September 11th Remembered

Testimonial Tuesday Survey


WOW! Just WOW!  We received this WONDERFUL feedback from a Harp and Crown Credit Union member.

Testimonial Tuesday Survey

bank loan headline rates


Hands up who got caught out with the BANK’S “HEADLINE” loan rate…

bank loan headline rates

100 days to Christmas


This is a friendly warning from Mr and Mrs Claus! It’s officially 100 days until CHRISTMAS!

100 days to Christmas

Loan Interest Rebate


As we near the end of our financial year (running from Oct-Sept) we’re reflecting on the BENEFITS of being a Harp and Crown Credit Union member!

Loan Interest Rebate

Education loan top up


It’s back to COLLEGE and UNIVERSITY season! Are YOUR FINANCES starting to FEEL THE PINCH?

Education loan top up

1K Loan Interest Saved


Putting YOU first…let us do the MATHS to help YOU SAVE…

1K Loan Interest Saved

Wedding Season


It’s “wedding season”.  Are YOU or a family member getting married this month?  Or perhaps you’re planning for a 2024 wedding?

Wedding Season

Borrow Five Times Savings


Just one of our KEY BENEFITS at the Harp and Crown Credit Union, which differentiates us from banks and other credit unions!

 

Borrow Five Times Savings

weekend deadlines


REMINDER!  Deadline for loan applications and share withdrawal requests today....

weekend deadlines


loan calculator october


Do you help financing…

loan calculator october

family member testimonial


“You helped my daughter get her first car with the family membership. Thank you.” Invest in YOUR FAMILY’s financial future today!

family member testimonial

improving your credit score


Before asking for credit, check your credit score!  You can do this online via a credit reference agency.  Need to improve your credit score? 

improving your credit score

cu vs bank blog


Credit Unions are VERY on topic at the moment with the departure of several major banks in Ireland, and credit unions coming to the fore in excellence.

cu vs bank blog


try our loan calculator


Need some help with the following...

try our loan calculator

talk to us first


BAD DEBT has a sneaky way of creeping up on you…

talk to us first

avoid payday loans oct 23


Need a TOP UP to help before payday or to pay unexpected bills this month??

avoid payday loans oct 23

christmas loan promo 2023


Could a loan help you this Christmas?  YOU may be eligible** for our loan promotion up to the value of £5,000!  NO application form required.   

christmas loan promo 2023

loan top up


Do you know how much is remaining on your loan with us?

loan top up

8 weeks until xmas


8 weeks until Christmas!  This year we will OPEN between 9am-1pm as follows:

8 weeks until xmas

stress awareness day 23


It’s National Stress Awareness Day and we can’t emphasise enough how important it is to reduce stress and look after your mental health and well-being.  Our members fulfil various roles within the police community, all with their own stress factors.

stress awareness day 23

christmas loan promotion from today


Could a loan help you this Christmas?  YOU may be eligible** for our loan promotion up to the value of £5,000!  NO application form required.   

christmas loan promotion from today

christmas loan promotion starts mon


Could a loan help you this Christmas?  YOU may be eligible** for our loan promotion up to the value of £5,000!  NO application form required.   

christmas loan promotion starts mon

feedback fri greg


Greg was able to TOP UP his existing loan, with funds being transferred on the same day as his application.

feedback fri greg

testimonial tues nigel loan promotion


Nigel took advantage of our Christmas Loan Promotion yesterday and is now entered into our £500 prize draw!

testimonial tues nigel loan promotion

first time home


Are you planning to purchase your first home?  Or perhaps you have children or grandchildren who are first time home buyers?  Read our latest blog on the topic here.

first time home

testimonial tues alistair loan promotion


With just under 6 weeks until Christmas...Alistair took advantage of our Christmas Loan Promotion yesterday and is now entered into our £500 prize draw!

testimonial tues alistair loan promotion

finding a yes for you


Come to us FIRST…we’ll always try and find a way to SAY YES.

 

finding a yes for you

feedback fri jenny


We’re coming to the end of WEEK 2 of our Christmas Loan Promotion…

feedback fri jenny

payroll adjustment for dec pay


Serving PSNI Officer or Police Staff?

payroll adjustment for dec pay

christmas loan promo ends today


FINA DAY… of our Christmas Loan Promotion!  Have you applied for YOUR loan yet?  If eligible** you could apply for a loan up to the value of £5,000!  NO application form required.   

christmas loan promo ends today

still time to return loan agreements


Did you request a CHRISTMAS LOAN PROMOTION quote before our 4pm deadline last Friday?

 

still time to return loan agreements

credit card debt christmas


Are your CREDIT CARD bills soaring?  With the potential to get worse through added expenses and the cost-of-living on the lead up to Christmas…

credit card debt christmas

christmas emergency fund


Do you use your Harp and Crown CU account as an EMERGENCY fund?

christmas emergency fund

come to us first


Come to us FIRST…we’ll always try and find a way to SAY YES.

 

come to us first

loyal saver loan at christmas


NEED some extra funds coming up to Christmas? BUT don’t want to withdraw more of your SAVINGS?

loyal saver loan at christmas

no more credit cards


Are your CREDIT CARD bills soaring? With the potential to get worse on the lead up to Christmas…

no more credit cards

engaged at christmas


Happy Christmas Eve! Are YOU or a family member planning an engagement this festive season?

engaged at christmas

loan top up at xmas


Do you know how much is remaining on your loan with us?

loan top up at xmas

total loan rebate 2023


In 2023, we paid out a total of £76,000 in LOAN INTEREST REBATE to our borrowers!

 

total loan rebate 2023

why apply for a credit union loan


Why apply for a credit union loan?

why apply for a credit union loan

testimonial tuesday mel


Mel applied for a FIRST TIME LOAN and funds were transferred that same day.

 

testimonial tuesday mel

family accounts 2024


January is Financial Wellness Month…

 

family accounts 2024

emergency fund 2024


Do you use your Harp and Crown CU account as an EMERGENCY fund?

emergency fund 2024

debt consolidation 2024


We’ll always try our best to HELP YOU reduce any high interest debt and STOP you sinking into further debt.

debt consolidation 2024

car insurance up


With CAR INSURANCE premiums at an all-time high for Northern Ireland drivers...

 

car insurance up

first time loan 18 years


Does YOUR child aged 18+ have a Harp and Crown CU account? Are they planning their FIRST CAR PURCHASE?  

first time loan 18 years

testimonial tues adrian


You’re welcome Adrian!

 

testimonial tues adrian

jan finances poll


January Finances Poll - the results are in!

 

jan finances poll

credit union loans same day


Around 95% of our CREDIT UNION LOAN applications are approved and issued on the same day.

credit union loans same day

credit union loan vs pcp and hp finance


Changing your car soon? Not sure whether to buy NEW, second hand or go down the HP or PCP route?

credit union loan vs pcp and hp finance

storm damage costs


Did the recent storms (Storm Isha and Storm Jocelyn!) impact on your home, business and property?

storm damage costs

save extra in 2024


What are YOUR plans in 2024?  Whether they're big or small projects, just think of what you could save or borrow by putting a little extra into your CREDIT UNION account each month!

save extra in 2024

five ways to financial declutter


How are your New Year’s resolutions going so far in 2024? Perhaps you've started to declutter your home?  But what about "financially decluttering" to stay on top of your financial wellbeing? 

five ways to financial declutter

first time loan car


Harp and Crown Credit Union member Jenny applied for a FIRST TIME LOAN at our competitive interest rate of 5.5% APR.

first time loan car

home improvement 2024


Our recent member survey shows that 27% of Harp & Crown CU members who BORROW do so for HOME IMPROVEMENT reasons!

home improvement 2024

family accounts avail


“POLICE FAMILY” in Northern Ireland!  Why not START NOW and make 2024 the year you invest in a HEALTHIER financial future for YOU and YOUR family!

family accounts avail

holiday costs 2024


Our latest survey shows that HOLIDAYS are IMPORTANT to our members!  39% of you cited TRAVEL as one of your main interests outside of work.

holiday costs 2024

savings protected with loyal saver loan


Need to cover the cost of a new car or emergency car repairs?  Home Improvement? A well earned holiday.  Or perhaps you or a loved one have forthcoming wedding costs to manage?

savings protected with loyal saver loan

valentines engagement 2024


Organising a wedding is costly so make sure you are prepared!

valentines engagement 2024

top up loan feb 24


Do you know how much is remaining on your loan with us?  Need some help with unforeseen costs this February?

top up loan feb 24

honeymoon costs


Did you or a family member just get engaged? 

honeymoon costs

testimonial tues survey


THANK YOU for this recent Member Survey feedback! And for your loyalty to the Harp and Crown Credit Union!

testimonial tues survey

belfast harbour police visit


We absolutely LOVED visiting the Belfast Harbour Police yesterday and in such a beautiful setting!

belfast harbour police visit

loyal saver loan


Need help with a new car or car repairs? Home improvement? Engagement/wedding? Holiday? Or more?

loyal saver loan


first time loan feb 24


A huge welcome to our new members! Thank you for choosing us as your No 1 credit union! 

first time loan feb 24

credit union not car finance


Are you missing out on LOWER INTEREST RATE LOANS? Especially when it comes to CAR PURCHASES and car finance?

credit union not car finance

office closed 18 mar


A gentle reminder...our next office closure is coming up soon - Monday 18th March 2024 (St Patrick's Day closure).

office closed 18 mar

first time loan march 24


Did you know we have a 1ST TIME LOAN with a fantastic low interest rate of 5.5% APR? 

first time loan march 24

loyal saver loan march 24


Need help with New Car/Car Repairs, Home Improvement, Engagement/Wedding or Holiday costs?

loyal saver loan march 24

retiring free life cover


Are you RETIRING this year? Not sure what to do with your COMMUTATION payment?

retiring free life cover

update beneficiary mar 24


In the event of your death, your BENEFICIARY could RECEIVE up to a max £5K on TOP of YOUR SAVINGS.  Are YOUR BENEFICIARY details UP TO DATE?

update beneficiary mar 24

credit union not credit card mar 24


Is your CREDIT CARD nearly maxed out?

credit union not credit card mar 24

testimonial tues sean


Sean had his “home improvement loan” application approved and funds transferred to his account…all on the same day!

testimonial tues sean

testimonial tues marion


Marion applied for a “TOP UP” of her loan.  Her application was approved and funds transferred to her account…all on the same day!

testimonial tues marion

car first time loan


Are they planning their FIRST CAR PURCHASE?

Perhaps they NEED a CAR for college or university? Or work?

car first time loan

first loan apr 24


Did you know we have a 1ST TIME LOAN with a fantastic low interest rate of 5.5% APR? 

first loan apr 24

retirement life cover


Are you RETIRING this year? Not sure what to do with your COMMUTATION payment?

retirement life cover

cu not cc apr 24


Is your CREDIT CARD nearly maxed out?

cu not cc apr 24

police family visits


Some highlights from our recent visits to police stations & police family organisations across Northern Ireland!

police family visits

car first loan


Are they planning their FIRST CAR PURCHASE?  Perhaps they NEED a CAR for college or university? Or work?

car first loan

loyal saver apr 24


Need help with New Car/Car Repairs, Home Improvement, Engagement/Wedding or Holiday costs?

loyal saver apr 24

cu not car finance


Are you missing out on LOWER INTEREST RATE LOANS? Especially when it comes to CAR PURCHASES and car finance?

cu not car finance

inflation falling


Inflation, the rate at which prices rise over time, has been slowly falling. In October 2022 the UK hit its highest rate in 40 years at 11.1%.

inflation falling

national pet month


Do you have a furry friend in the family?  April is National Pet Month which aims to encourage people to look after their pets responsibly while also highlighting the benefits of pets in people’s lives.  But how much does it all cost you?

national pet month

brooklyn hq visit


Harp and Crown Credit Union visited PSNI Headquarters (Brooklyn HQ) this week!

brooklyn hq visit

travel in 2024


Our latest survey showed us that TRAVEL is IMPORTANT to our members! 39% of you cited TRAVEL as one of your main interests! Here’s what you need to know if you’re planning a trip this year and how YOUR Credit Union can help you get there!

travel in 2024

loan promo 24


COMING SOON!

loan promo 24

not car finance use cu


Are you missing out on LOWER INTEREST RATE LOANS? Especially when it comes to CAR PURCHASES and car finance?

not car finance use cu

17 million in loans


We made lots of BIG things happen during April!

17 million in loans

summer loan promo wk 2


It's Week TWO of our big Summer Loan Promotion!

summer loan promo wk 2

summer loan promo eligibility


Are you eligible for our Summer Loan Promotion?

summer loan promo eligibility

summer loan promo final week


FINAL WEEK with 5 days to go....

summer loan promo final week


how 5k could help you


Day 4 of our Summer Loan Promotion!

how 5k could help you

could 5k help you


Week TWO of our big Summer Loan Promotion!  Could £5,000 help YOU right now?
could 5k help you

cu vs banks 2024


There are MANY reasons to choose your credit union over a bank, whether that’s to avail of lower interest, ethical loans, save into an instant access emergency fund or the desire to belong to a community of likeminded savers and borrowers.

cu vs banks 2024

car 1st loan


Are they planning their FIRST CAR PURCHASE?

car 1st loan

cu not cc may


Is your CREDIT CARD nearly maxed out?

cu not cc may

life cover free retire may


Are you RETIRING this year? Not sure what to do with your COMMUTATION payment?

life cover free retire may

1st loan may


Did you know we have a 1ST TIME LOAN with a fantastic low interest rate of 5.5% APR? 

1st loan may

loyal saver flc loan


Need help with New Car/Car Repairs, Home Improvement, Engagement/Wedding or Holiday costs?

loyal saver flc loan

borrow five times savings


Just one of our KEY BENEFITS at the Harp and Crown Credit Union, which differentiates us from banks and other credit unions!

borrow five times savings



credit union not car finance may


Are you missing out on LOWER INTEREST RATE LOANS? Especially when it comes to CAR PURCHASES and car finance?

credit union not car finance may

borrow 5x savings


Just one of our KEY BENEFITS at the Harp and Crown Credit Union, which differentiates us from banks and other credit unions!

borrow 5x savings

loyal saver loan with flc


Need help with a Private Health Procedure, New Car/Car Repairs, Home Improvement, Engagement/Wedding or Holiday costs?

loyal saver loan with flc

1st time car loan


Are they planning their FIRST CAR PURCHASE?

1st time car loan

try our loan calculator


Need help financing a holiday, car, home improvement, credit card debt and more?

And in an ethical, flexible and affordable way? 

try our loan calculator

loan top up


Do you know how much is remaining on your loan with us? Need some help with forthcoming holiday costs? 

loan top up

1st time loan june


Did you know we have a 1ST TIME LOAN with a fantastic low interest rate of 5.5% APR? 

1st time loan june

cu dont use cc


Is your CREDIT CARD nearly maxed out?

cu dont use cc

top up ur loan


Do you know how much is remaining on your loan with us? 

top up ur loan

testimonial tues kerry


Another happy Harp and Crown CU member walking away with a lower interest CREDIT UNION LOAN!

testimonial tues kerry

summer solstice


For all of us in the Northern Hemisphere, the Summer Solstice occurs on the 20th June 2024.

summer solstice

We are the Harp and Crown Credit Union, providing safe, ethical and flexible financial services to the 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