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Back by popular demand, the Five-Year Regular Saver is open for applications. This popular savings account helps you build a meaningful lump sum with ease over a five-year term.

The Five-Year Regular Saver account might be right for you if…
• You want to save from 1st October 2025 until the account matures on 30th September 2030
• You can commit to saving between £10 and £150 each month for the full five years
• You want to earn a premium annual dividend that is 0.5% higher than our Member Account dividend rate
• You do not require access to your funds during the five-year term, as withdrawals are not permitted*

In order to apply for this account you will need to be a member of the Credit Union. If you’re not already a member, you will need to open a Member Account, detailed in the section below.

To become a member of the Credit Union you’ll need to open a Member Account. This savings account requires you to save minimum of £5 per month, potentially made through payroll deduction**.

Benefits of saving with us:

✓ Potential to earn an annual dividend. Last financial year, we paid 4.5%
✓ 24/7 account access and withdrawals. Manage your account and make withdrawals via our app or website
✓ Flexible contributions. Adjust your savings amount at any time to suit your financial situation
✓ Access to other exclusive products. Apply for additional savings accounts such as our Five-Year Regular Saver, or even a loan or mortgage product

*Terminating the account prior to the conclusion of the five-year term will result in a £20 administration fee.
**Payroll deduction is available in over 30 UK Police forces.

The Five Year Regular Saver account begins on 1st October 2025 and matures on 30th September 2030. You cannot make withdrawals.

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Serve and Protect are a free employee benefit available to Police Officers, Staff and their family members – helping them to save, but also there if they need to borrow throughout their career – with flexible repayments straight from their salary.

As a not-for-profit financial cooperative, they are owned by and run for our members – offering an ethical alternative to other financial providers.

• Save a minimum of £10 per month
• Deductions straight from your salary
• Change your saving deduction or deposit lump sums at any time
• Withdraw at any time – online or via our mobile app
• Earn a return on your savings in the form of an annual dividend
• Life cover at no extra cost

There if you need to borrow:
• Affordable loans of up to £25,000
• Repayments straight from your salary
• No early repayment penalties
• Interest calculated on the reducing balance
• Life cover at no extra cost

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Police Federation Poster

Client Leaflet

Telephone Appointment Poster

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Simple savings solutions for all of the UK Police Family

With more than 130 years of experience behind us, we know that policing is more than a job - it's a calling; it’s a lifestyle. That’s why Police Friendly offers not-for-profit financial services, operated for the benefit of the Members and the wider police family.

Whether you're starting your career or approaching retirement, we’re here for you.

• Specialist savings & investments to help you meet your financial goals
• Includes 5 and 10-year plans and tax-free ISAs
• Save from £20 per month
• Life protection shaped around the realities of Police life
• Financial education, support and advice

No matter where you serve, you can count on us.

12 Months Free Critical Illness Cover

Just started your policing career? Make sure you’re protected from day one.

We’ve partnered with Police Friendly – a trusted not-for-profit serving the UK Police Family since 1893 – to offer FREE Critical Illness Cover for new recruits.

If you’re under 35 and in your first year of service, you can benefit from:

✅ £25,000 lump sum if diagnosed with a specified critical illness
✅ £50,000 if it happens on duty
✅ 12 months’ cover at no cost

This is practical, no-fuss protection that fits the realities of police life.

Learn more: https://policefriendly.org.uk/products

Exclusive Financial Offers for the UK Police Family

We’re proud to partner with Police Friendly – a not-for-profit supporting the UK Police Family since 1893 – to provide trusted savings and protection options that reflect the realities of police life.

Available now:
💷 Tax-free Monthly, Lump Sum & Junior ISAs
🏠 Lifetime ISAs for first-time buyers (ages 18–39)
🐣 10 Year Savings Plans for future planning

🎁 Open a qualifying ISA and receive a £50 Amazon.co.uk Gift Card (or £25 with the 10-Year Plan)
❤️ Plus, £10 is donated to the Police Remembrance Trust for every ISA or 10-Year Plan opened.