Dividend rates

As a not for profit organisation, we share a percentage of our profits with our members. This is known as a dividend. Credit unions keep their money within a community of credit union members because we do not need to pay profits to external shareholders.The remaining profits are re-invested in the business to provide a better service to our members.Ethical cash ISAs available

Given the current economic climate, we offer a competitive return on an instant access savings account. You may wish to consider saving with Castle & Crystal on the basis of us being an ethical and local alternative when compared to banks, building societies and other financial providers.

Here are the dividends we have paid to our members over the past three years:

Year Ending Dividend Rate (variable)



September 2014

September 2013  0.5%
September 2012  1.0% 
  September 2011 0.5%
  September 2010 1.0%


From 6 April 2016, most UK adults will be able to earn up to £1,000 interest a year on their savings without paying tax on it. For more information please visit www.moneysavingexpert.com/savings/personal-savings-allowance.


"The more people that save with Castle and Crystal, the greater the rewards for our members."