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Ethical • Competitive • Friendly • Transparent
Welcome to
CHURCHES MUTUAL

We offer competitive, affordable loans and ethical savings to lay or ordained ministers, employees or trustees associated with our partner churches. Our friendly personal service provides direct access to a member of our expert, impartial staff advisors.

Slide 2

Ethical • Competitive • Friendly • Transparent
Welcome to
CHURCHES MUTUAL

We offer competitive, affordable loans and ethical savings to lay or ordained ministers, employees or trustees associated with our partner churches. Our friendly personal service provides direct access to a member of our expert, impartial staff advisors.

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Your Credit Union, Now in Your Pocket
Your Credit Union, Now in Your Pocket
Your Credit Union, Now in Your Pocket

The new Churches Mutual Mobile App makes it easier than ever to manage your money on the go.

  • Check balances & transactions
  • Apply for loans in minutes
  • Withdraw savings securely
  • Send personal, secure messages directly to our team
  • Log in with fingerprint or Face ID

Your Credit Union, Now in Your Pocket

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The new Churches Mutual Mobile App makes it easier than ever to manage your money on the go.

  • Check balances & transactions
  • Apply for loans in minutes
  • Withdraw savings securely
  • Send personal, secure messages directly to our team
  • Log in with fingerprint or Face ID

Churches Mutual Credit Union

Our Loans

Competitive, affordable loans with no hidden cost or charges. Friendly, personal service with direct access to a member of our expert, impartial team. Apply for a Personal Loan

Vehicle Loans

New Car? New to you car? Need to settle existing finance? Our vehicle loan is an affordable way to keep you on the road.

Debt Consolidation

Tired of juggling loan and credit card payments without making a dent in the balance? A consolidation loan could help you manage your finances and pay down your debts quicker.

Other Personal Loans

Travel, weddings, educational costs, whatever your aspirations, a personal loan can make the dream come true.

Home Improvement Loans

When a lick of paint won’t cut it, our home improvement loans will help you fund repairs and renovations to your home or other property you own.

Commutation Loans

Thinking about retirement? With our commutation loan, you can begin putting your plans in motion early and step into the next chapter with confidence.

First Post Loans

Our First Post Loan gives you room to breathe, with a three‑month payment‑free period so you can focus on settling into your new role and organising your finances.

Community Loans

A community project close to your church’s heart? A community loan can help you reach your target or provide match funding or generally give your plans the final push they need to become reality.

Churches Mutual Credit Union

Our Savings

Ethical member savings, helping others to borrow responsibly

Regular
Saver

The way to build up savings through regular monthly contributions – sit back and watch your savings grow.  

Payroll
Savings

Payroll savings is a benefit we offer to employers and their employees within our common bond,
allowing safe, manageable savings through your payslip.

Covenant
Saver

Many of our original members opened Founder Member or Covenant Accounts (originally known as Premier Investment Accounts).

Church Savings Account

Churches Mutual is a not-for-profit savings & loans co-operative. It is dedicated to encouraging people to save, but also promotes responsible borrowing by providing low-cost loans at times of need.

Churches Mutual Credit Union

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Connection Matters

At Churches Mutual, your savings do more – they fund loans that support church work and help families build financial resilience.

This is the Connection Dividend.

A Message from Our President and
Chair of the Board

Welcome to Churches Mutual Credit Union’s Story of Connection, Purpose, and Faith in Action.

We call it the Connection Dividend – the power of collective savings that goes far beyond interest rates or account balances. It’s about building financial resilience in our church communities, supporting those who serve, and ensuring that help is available when it’s needed most.

Whether it’s a minister beginning a new post, a family consolidating debt, or someone preparing for retirement, your savings make it all possible.

Your continued trust, support, and belief in our mission is what allows Churches Mutual to flourish.Together, we’re proving that a different kind of finance is not only possible – it thrives.

Thank you for being part of this journey

Testimonials

We are proud to have supported many people
with their finances

Find out what our members say about Churches Mutual

Rev.Tom

Churches Mutual have been fantastic. Quick, efficient, fair, and really competitive rates of interest. The staff are great too, and you can even speak directly with them on the phone. I could recommend them highly enough. I feel safe with them.

Rev. Tom - Church of England

Member

Cordelia

I have always been someone who prided myself in ensuring that i managed my finances well. As part of a move to help my partner and family financially, credit card interest became unmanageable and the debt kept on rising, to the point it became suffocating. I researched many different ways to try and help manage my finances to get them back into order however i kept being faced with “closed doors”. That was until Churches Mutual. I kept my financial woes private from all, even those closest to me as I felt too ashamed. I happened to have a conversation with a colleague who mentioned how wonderful Churches Mutual had been with them. From this, I reached out to Churches Mutual to understand whether they would be able to help me. With Churches Mutual I was met with with so much warmth and understanding. They made me feel listened to, cared for, supported and also that I didn’t need to carry this shame with me.

Via Churches Mutual I have managed to seamlessly get my finances in order. The process has been so swift and I have been supported every step of the way.

Cordelia

Member

Steve Rees

This is the 2nd time I have used CMCU for a car loan! The team have always been so helpful and prompt with the loan. They appreciate the time constraints when you have found the right car and need a quick response. I highly recommend them! The rate and almost half that you have to pay at a car dealership.

Steve Rees

Member

Michael fish

Very impressive! Very keen to help, efficient without being officious. easy application and disbursement of funds for my car loans. Highly recommend.

Michael Fish

Member

Tom Mumford

Churches Mutual have been fantastic. Quick, efficient, fair, and really competitive rates of interest. The staff are great too, and you can even speak directly with them on the phone. I couldn't recommend them highly enough. I feel safe with them.

Tom Mumford

Member

Rev Mark Edwards MBE

As a parish priest serving two rural parishes, having a reliable car is not a luxury, it is absolutely essential to my ministry and daily responsibilities. From leading worship and visiting parishioners, to supporting families during times of crisis and celebration, much of my vocation depends on being able to travel across our communities.

For many years I relied on an old second-hand car which I had owned since 2010. Sadly, it eventually reached the point where it was beyond repair. Living on a reduced budget, I simply did not have the means to purchase another reliable vehicle, and I honestly wasn’t sure whether I would qualify for a clergy loan.

With encouragement and support, an application was made to Churches Mutual on my behalf, and I was truly delighted and deeply grateful when we learned that I had been approved for a loan. Thanks to Churches Mutual, I was able to purchase a dependable 2018 vehicle which has completely transformed both my ministry and daily life.

Alongside my parish duties, I also serve as a volunteer medic ( Community First Responder with the ambulance service ) Having a reliable car means I am not only able to continue serving my parishes faithfully, but I can also respond quickly to medical emergencies within my community and beyond when people are often facing some of the most difficult moments of their lives.

I cannot express enough gratitude for the kindness, dignity, and practical support shown by Churches Mutual. Their loan service has made a real and meaningful difference to my ability to serve others. What may seem like “just a car loan” has in reality become a vital lifeline for both ministry and community care.

Thank you, Churches Mutual, for enabling clergy like me to continue serving where we are needed most.

Rev Mark Edwards MBE

Newcastle Diocese

Latest News

The latest news and financial advice from Churches Mutual

Monday to Friday – 9.00am to 1.30pm

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(Closed Weekends and Bank Holidays)

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A new member experience is coming soon
We’re upgrading our Members Area to make it easier to manage your account, access services and stay connected.
A new member experience is coming soon We’re upgrading our Members Area to make it easier to manage your account, access services and stay connected.
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