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

Your savings help others The Connection Dividend means your money supports church members across the UK

Members Save

Every pound you save with Churches Mutual becomes part of a shared financial resource grounded in faith and trust.

Churches Mutual Lends

Those collective savings are lent responsibly to fellow members in need, with fair rates and ethical terms.

Community benefits

Loans help ministers, church workers, and their families manage key life events and remain active in their ministries.

Impact returns

The support given strengthens church communities and returns as lasting social and spiritual impact for all.

Your savings help others

The Connection Dividend means your money supports church members across the UK.

Member Saves

Every pound you save with Churches Mutual becomes part of a shared financial resource grounded in faith and trust.

Churches Mutual lends

Those collective savings are lent responsibly to fellow members in need, with fair rates and ethical terms.

Community benefits

Loans help ministers, church workers, and their families manage key life events and remain active in their ministries.

Impact returns

The support given strengthens church communities and returns as lasting social and spiritual impact for all.

Where your money goes
Together we’ve Delivered Over £14 million in Ethical and Affordable Loans.

52%

Car Purchases

23%

Debt Consolidation

19%

General Lending

2%

Ministerial Start Loans

4%

Pre-Retirement Loans

Our Values

We are not like most Financial Institutions. Our Values Resonate with Members.

Competitive

Great rates and returns, without compromise.

Transparent

What you see is what you get. Always.

Ethical

Faithful finance that aligns with your beliefs.

Friendly

Personal service from a team who understands your world.

Our Values

We are not like most financial institutions.Our values resonate with members:

Ethical

Faithful finance that aligns with your beliefs.

Competitive

Great rates and returns, without compromise.

Friendly

Personal service from a team who understands your world.

Transparent

What you see is what you get. Always.

What you say

Rob’s story…..

“I have enjoyed a very positive relationship with Churches Mutual Credit Union for the last 7 years. When I joined as a regular saver, I wanted the opportunity to contribute to an ethical organisation that shows real concern for the needs of its members. Knowing that the organisation helps people in challenging circumstances is very important to me. The mutuality of the organisation is also instrumental for me. Unlike other personal savings, I view the savings with Churches Mutual as part of my Giving to help Church Ministers and Church workers in financial need, rather than an investment. The way that the account is administered is very professional. If I need to draw out any money from my account, there has never been an issue and the money is transferred very quickly. I would recommend Churches Mutual wholeheartedly.”

David’s story…..

“I first joined Churches Mutual credit union in May 2018. I have found them to be an excellent organisation, with polite, helpful, accessible staff. I have been impressed by the way they “have gone the extra mile" to support me during difficult financial circumstances with humanity and understanding. I was unable to obtain a loan elsewhere, but Churches Mutual took me on board and enabled the purchase of a much-needed car. Their willingness to reduce the repayments when I was unable to meet them and then gradually increase them when I could said everything about the ethical standards of this organisation. I have already made a commitment – which I am fulfilling – to save with Churches Mutual to help support clergy or church workers who need a loan. If you are looking for ethical, mutually supportive finance, I have no hesitation in recommending Churches Mutual.”