Welcome to Pennine Community Credit Union Ltd (PCCU) Pennine Community Credit Union is an ethical, not for profit financial co–operative serving the local community with saving and loan facilities. As a co-operative everyone who opens an account with PCCU becomes a member and shareholder. As a shareholder you become a part owner of PCCU. PCCU helps people's finances be removed from the commercial arena, where profit is the name of the game, back into the community where YOU are the owner and beneficiary. We keep YOUR finances in YOUR community.