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Castle & Crystal Credit Union

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How We’re Different

We’ve been providing affordable loans and secure savings to local people since 1993. Our services are similar to what you may find at a bank but we pride ourselves upon being an ethical, not-for-profit alternative.

We serve all those who live or work across the West Midlands including partner employers and housing associations.

Unlike a typical high street bank:

  • We are a membership-based, not-for-profit co-operative
  • We are owned by our members and run for our members
  • We promote healthy money habits by encouraging members to save as well as borrow money
  • We pay surplus profits to our members as dividends on savings
  • Our ethos is to provide fair & affordable financial services for local people
  • We’re part of a global movement of 57,000 credit unions in 105 countries with 217 million members

Our savings products compare favourably with banks & building societies

Start Saving

We provide loans with fair & reasonable interest rates with no early repayment penalties

Apply for a Loan


All members can choose to benefit from:

  • Engage Classic is a contactless, pre-paid visa debit card allowing remote access to your money with cashback rewards from national retailers incl free mobile app, exclusively available to our members
  • Engage Current Account with added benefit of Direct Debit functionality over & above the Engage Classic card, exclusively available to our members

Find out more about our Engage cards


Your savings are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This is the same cover that you receive from a bank, building society or other financial institution.

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About Us

Castle & Crystal Credit Union is a not-for-profit financial co-operative.

We provide affordable loans & secure savings for all who live or work in the West Midlands.

Learn more

How can we help you?

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Contact Us

25 New Street, Dudley
West Midlands, DY1 1LT
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01384 815771
Mo,Tu,We,Th,Fr 9:30 am – 3:30 pm

Copyright © 2023 · Castle & Crystal Credit Union Limited

Castle and Crystal is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 213711.

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