Business Details
25 Years
experience
Your Trusted Community Bank in Shrewsbury
Just Credit Union is a not-for-profit community bank owned by its members, dedicated to providing safe savings solutions and affordable loans. Established in 2001, we serve communities across Shropshire, Telford & Wrekin, Herefordshire, Worcestershire, Staffordshire, and Stoke-on-Trent. Our member-owned structure ensures financial services prioritise community benefit over profit. We offer a range of savings accounts, including instant access, payroll deduction, and junior accounts, alongside low-cost loans for personal and seasonal needs. Authorised by the Prudential Regulation Authority and protected by the Financial Services Compensation Scheme, we combine regulatory compliance with local expertise.Our team brings decades of financial and community service experience, ensuring tailored support for members. We partner with local organisations to enhance financial inclusion and economic resilience. With flexible repayment options and free life insurance on loans, we prioritise accessibility and member welfare. Our commitment to ethical banking has fostered trust and growth, serving over 15,000 members regionally. By reinvesting profits into member benefits, we uphold our mission to empower communities through fair finance.
Services
Savings Accounts
Personal Loans
Payroll Services
Christmas Saver Loans
Junior Savings Accounts
Details
- Year established: 2001
Highlights and features
- We are a not-for-profit, member-owned financial cooperative
- Offering savings protection under the Financial Services Compensation Scheme
- Providing affordable loans from 300 to 15,000 with flexible repayments
- Dedicated to reinvesting profits into member benefits and community projects
- Authorised by the Prudential Regulation Authority for regulatory excellence
Associations and certifications
- Prudential Regulation Authority
- Financial Services Compensation Scheme
What people say
Friendly team
Fair lending
Community support
Services
Savings Accounts
We offer accessible savings solutions including instant access, payroll deduction, and junior accounts. Members earn annual dividends while benefiting from FSCS protection up to 85,000. Our accounts cater to diverse financial goals, from emergency funds to seasonal savings, with flexible contribution options.
Personal Loans
Flexible loans from 300 to 15,000 with APR from 5%, featuring weekly/monthly repayments and no early repayment fees. We assess applications individually, prioritising financial inclusion for purposes like home improvements, vehicle purchases, or special events.
Payroll Services
Employer-partnered payroll deduction schemes enable automatic savings and discounted loans. Employees benefit from pre-tax savings convenience and 1% APR reduction on loans over 2,000, enhancing financial wellbeing through workplace integration.
People
June Campbell
Chair of the Board of Directors
Brings marketing and business management expertise, previously leading Groundwork West Midlands. Committed to financial inclusion and community development through credit union governance.
Karen Farrow
Chief Officer
Over 18 years' leadership experience, driving strategic direction and compliance. Focuses on member-centric operations and sustainable growth within ethical financial frameworks.
Steve Barras
Business Development & Marketing Officer
Leverages banking and consultancy background to expand community partnerships. Advocates collaborative approaches to strengthen regional financial ecosystems through credit union services.
Questions
What areas do you serve?
We serve Shropshire, Telford & Wrekin, Herefordshire, Worcestershire, Staffordshire, and Stoke-on-Trent.
How can I apply for a loan?
Apply online via our website or contact our Shrewsbury office at 01743 252 325 for assistance.
Are savings protected?
Yes, all savings are protected up to £85,000 by the Financial Services Compensation Scheme.
Do you offer business accounts?
Currently we focus on personal savings and loans for individual members.
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