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Every member of our Credit Union is a saver. From saving for that rainy day to saving for that dream holiday.

Why Save with Highland Communities Credit Union?

Flexible Savings – save as little as you like or as much as you like (maximum amount of savings £10,000).

Convenient – pay into your account by standing order, internet banking, bank transfer or at one of our collection points.

Access – View your account on line or receive text messages...read more


Members must be over the age of 18 to apply for a loan

Borrowing with Highland Communities Credit Union has the following benefits:

  • Affordable borrowing for all purposes
  • Borrow any amount from £50.00 to £10,000
  • Flexible repayment amounts and periods
  • Unsecured loans from £50.00 to £4,999 for members who have been saving for 3 months or 10 weeks interest 1.75% per month (23.1% APR) - Calculate
  • Loans over £5,000 for members who have been saving for 3 months or 10 weeks interest 1% per month (12.7% APR) - Calculate
  • Interest charged only on the reducing balance (not on the total amount borrowed)
  • No set up fees
  • No penalty charge for repaying the loan early
  • Opportunities to save while you are repaying the loan.

Secured Loans

If you need money but do want to withdraw your savings, take out a secured loan with us. The interest rate is 0.5% per month (6.7% APR) - Calculate

The Engage Classic Visa debit card and account

Engage is the national brand for all credit union banking and payment services. Engage is an ethical Visa debit card and account that truly benefits the credit union member. There are no nasty hidden charges and fantastic rewards that mean you can save money on your everyday shopping....read more

Loan Protection

All members receive free loan protection up to 80 years of age.  In the event of death, loans are paid in full subject to our insurer’s 6 months pre-condition limitation (excludes arrears – conditions apply).

Life Savings

In the event of a member’s death, all savings made before the age of 65 are doubled and will be paid to members’ nominated beneficiary (e.g. £250 shares (savings); £500 will be paid). All deposits made before the age of 65 will benefit from this cover no matter what the age of death.

For deposits made between the age of 65-79, members’ nominated beneficiary with receive 1.25 times their savings (e.g. £250 shares (savings); £312.50 with be paid).

The nominee can be anyone of a members choosing however, the nominee will only be entitled of up to £5,000 inclusive of the life insurance, the remainder of shares and life insurance forms part of the deceased estate see FAQ or contact the office for further information.

Please note that this insurance is subject to a six months pre-existing condition limitation and Probate law. Maximum level of cover is £10,000.

Life insurance provided by Sterling Life Insurance and further terms and conditions may apply.

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Highland Communities Credit Union is a member of

Credit Unions at 50Lochaber Housing Association

Lochaber Chambers of CommerceEngage Classic Visa Debit Card

Universal Credit

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