What is a credit union?

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Colchester Credit Union leaflet
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Colchester Credit Union Ltd, formed in 2002, is a Savings and Loans Co-operative open to anyone over the age of 18 years who lives, works or studies in the Borough of Colchester or District of Tendring. This is known as our Common Bond. There is a Young Savers Club for young people under 18 years. Details can be obtained on request.

Credit Unions offer a safe and easily accessible home for your savings and the opportunity to obtain a loan on ethical terms at reasonable rates.


Savings can be of any amount up to a maximum of £15,000.00 and at a frequency to suit the saver’s circumstances. Normally loans may be granted after a short period of saving but small emergency loans can be considered outside this policy depending on circumstances.


We also offer Free Life Insurance (for Adult Savers) on your savings and/or loan account:

  • No direct cost
  • Peace of mind for your next of kin
  • Savings are insured at 100% from 18 up until the age of 64
  • From 65 to 79 savings are insured at 25%
  • Any loan you have will also be insured (T&Cs apply)


Opening hours of Colchester Office:


10.00 am to 12.00 noon - every Monday, Tuesday, Thursday, and Friday 


Closed on every Wednesday and Saturday, and on all Bank Holidays  


Collection points


Clacton - Visitor Information Centre, Town Hall, Station Road, Clacton on Sea, CO15 1SE - open on Thursday morning - 01255 686868.  From 10:00 am - 12:00 noon

Manningtree - The Hub, 1 The Lane, Manningtree, CO11 1AW - open on Friday morning - 01206 398082.  From 10:00 am - 12:00 noon

Dovercourt - 'It's all Handmade', 272 High Street, Dovercourt, CO12 3DP - open on Tuesday morning - 10.00 am to 12.00 noon - 07512 291 643 


We also have collection at a number of schools throughout the area.


Our Aims and Objectives

To offer the advantages of credit union membership as widely as possible among the resident and working community in the Borough of Colchester and District of Tendring.

To contribute to the regeneration of our Common Bond area, by promoting good money management, increasing the level of local saving and extending credit facilities at reasonable rates.

To maximise the potential of Colchester Credit Union Ltd by actively encouraging access to credit union services for all members of the local commumity.

Disclaimer The information contained in this website is for general information purposes only. The information is provided by Colchester Credit Union Ltd and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.


Site Copyright © 2010 Colchester Credit Union Ltd.

Colchester Credit Union Ltd., Registered Office: Co-operative Resource Centre, Colchester, CO4 3PX. Registered at the Financial Services Authority No. 213769

CCU News:

ONLINE BANKING - Already a registered member of the credit union? Please visit our Member Login page to use our new online banking facilities!


On 1 October 2020, we launched a range of new loan products! 

See our Loan Products page for further details.


Our Loan Surgery is open for business!

Interested in getting a loan on ethical terms at reasonable rates?

If you're a member of the credit union, make an appointment to chat with one of our loan advisors and see if you’re eligible!

Follow and share our new Facebook page!

We are located at:

Colchester Credit Union Ltd

7 The Centre

Hawthorn Avenue



Contact us today!

If you have any queries or wish to make an appointment, please contact us:


+44 1206 798823 +44 1206 798823



Or use our contact form.