We are an ethical savings and loans company run by our members who live within the Bradford district. We are a friendly alternative to high street banks, doorstep loan sharks and other costly money-lenders. A bit of History: Started in in 1993 as Council Credit Union Since 2003 open to anyone who lives or works in Bradford District Now have 4,700+ members/savers New credit union collection points opening up in communities all across Bradford Why are Credit Unions so good?  No Fat Cat Shareholders  Run by the members, for the members – democratic  Lower interest rates on loans  No hidden fees  Any surplus is given back to members as an annual payment  Financial health of members is our main priority  Locally based, helping the local economy  Friendly service, you’re not just a number  Protected by FSA compensation scheme