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Your local ethical credit union owned by its members and run for its members

Join Us Benefits of Membership

Benefits of Membership

Our Membership has many benefits...

Flexible, Convenient & Affordable Loans

  • Members can take out a standard loan, 3 months after joining, and repay at tailor-made schedules.
  • New members can immediately apply for an affordable child benefit loan.
  • After 12 months membership and saving regularly, members can apply for a low cost Member Reward Loan.
  • All our loans are fully insured (for free), against death up to the age of 70.
  • No upfront arrangement fees or early repayment penalties.
  • Good membership strengthens loan application and reduces the interest charged.
  • By taking out a loan and repaying on time, we help improve your credit score
  • With our Price Guarantee Loan we will match any genuine contractual offer from High Street banks

Click to DownloadDownload Standard Loan Application Form (70.2kb)

Click to DownloadDownload Member Reward Loan Application Form (68kb)

Click to DownloadDownload Child Benefit Loan Application Form (604.2kb)

Click to DownloadDownload Price Guarantee Loan Application Form (73.7kb)

Dividend on Savings

Any profits declared (after requirements to develop and grow the required institutional capital base) will be distributed to members, as a dividend. This is recommended by the Board of Directors and agreed at our Annual General Meeting (AGM) and will be based on the level of savings you have had in the applicable period.

Quality Service

You can be assured of a friendly & professional service from your fellow members who volunteer as staff. We do our best to be accessbile to our members by having contact points throughout the community, online banking access and an emergency telephone banking service.

No Fees

You do not pay any joining, set up, transaction or standing fees or charges to save, withdraw or borrow with BERKSHIRE CREDIT UNION.

Internet access to your savings

Instant internet access to your savings where you can view all your transaction details and submit withdrawal requests electronically. Just register here

Emergency Telephone Banking

In an emergency you can also if pre arranged withdraw some money over the phone, see more.

Save by Standing Order

Arrange a Standing Order payment from your bank and be sure of regular payments to your BERKSHIRE CREDIT UNION account.

Click to DownloadDownload Standing Order Mandate (58.9kb)

Save as you earn

For employees of companies that have signed up with BERKSHIRE CREDIT UNION save as you earn scheme, its really easy to save! Click here for more details.

Pre-Paid Debit Card - ENGAGE CLASSIC

A pre-paid VISA debit card is available to members, click here for more.

Pay bills

When completing a withdrawal request, you can stipulate the bank account it is to be transferred to.

Join now!

Ask us for more details about joining BERSHIRE CREDIT UNION, or for further information see the different sections of this web site.

Click to DownloadDownload Membership Application Form (67.8kb)

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Opening Hours:

Mon - Fri10:00am - 14:00pm

Visit Us:


62 Portman Road, Reading, RG30 1EA


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Berkshire Credit Union is the trading name of Community Savings & Loans (Berkshire Credit Union) Ltd Authorised and Regulated by the Financial Conduct Authority and the Prudential Regulation Autority - Firm no 457045