Personal Banking
Accounts, loans, mortgages, and credit cards built around your life — not our profit margins. As a member-owned credit union, we return profits to you through better rates and fewer fees.
Accounts, loans, mortgages, and credit cards built around your life — not our profit margins. As a member-owned credit union, we return profits to you through better rates and fewer fees.
All our current accounts include a Visa® debit card, online & mobile banking, and no hidden fees. Switching is simple with the Current Account Switch Service — we'll handle moving all your direct debits and standing orders.
Whether you're buying your first home in Carlisle, moving up the property ladder, or remortgaging for a better deal, our local advisers know the Cumbrian property market inside out. Decisions are made right here in our Carlisle branch — not in a distant call centre.
We lend up to 95% LTV for first-time buyers and offer flexible overpayment options on all our mortgages. Plus, as a member, you'll receive annual loyalty bonuses that reduce your rate over time.
| Product | Initial Rate | APRC |
|---|---|---|
| 2-Year Fixed (75% LTV) | 4.49% | 5.2% |
| 5-Year Fixed (75% LTV) | 4.29% Popular | 4.9% |
| 2-Year Fixed (90% LTV) | 4.89% | 5.6% |
| Lifetime Tracker (60% LTV) | 4.74% | 5.1% |
5% deposit options, free valuation fees, and dedicated guidance through every step of your first purchase. We even offer a £500 cashback bonus on completion.
Make unlimited overpayments up to 20% of your balance annually without penalty. Reduce your term or lower your monthly payments — the choice is yours.
Our surveyors know Cumbria's property market intimately — from Carlisle city centre to the Lake District villages, ensuring accurate, fair valuations.
Transparent rates, no arrangement fees, and the ability to repay early without penalty. Whether you're consolidating debt, financing a vehicle, or managing unexpected expenses, we offer responsible lending with member-first terms.
Get a personalised quote in 60 seconds without affecting your credit score. Our transparent calculator shows exactly what you'll pay — no hidden fees, no surprises.
Representative example: Borrowing £15,000 over 3 years at 6.9% APR. Rate may vary based on credit assessment.
Life doesn't always go to plan. That's why we offer support services to help you stay on track, even when times are tough.
Struggling to make payments? We offer up to 3 months payment holidays on loans and mortgages, with no impact on your credit score when arranged in advance.
Learn More →Free budgeting tools, spending insights, and 1-2-1 financial coaching sessions available to all members. Build better money habits with expert guidance.
Book a Session →24/7 fraud monitoring, instant card freezing via our app, and dedicated support if you're a victim of fraud. Your security is our priority.
Security Centre →Most decisions in minutes. Join 40,000+ members across Cumbria who've already made the switch to fairer banking.