Enterprise Credit Union is open to those who live and/or work in the Knowsley, Liverpool, Sefton, St. Helens, Wirral, Halton and Warrington Boroughs of Merseyside.

We are required by legislation to verify the identity and proof of address for all our members. The simplest way we can do this is electronically, it doesn’t leave a ‘footprint’ or affect your credit file in any way. Alternatively, you can come to one of our branches with two original documents – one is used to prove your identity, the other proves your address. The following are acceptable forms of identification:

• A valid UK passport
• Recent evidence of entitlement to a state or local authority funded benefit (including housing benefit and council tax benefit, tax credit, pension, educational or other grant)
• Full UK Photocard Driving Licence or Blue Badge disabled driver’s pass

You can use the following to prove your address:

• Recent bill (less than 3 months old) such as council tax demand or gas, electricity or water rates bill
• Recent bank, building society or credit card statement (less than 3 months old
• Tenancy agreement
•Letters from a UK solicitor or Benefits Agency (or Pensions Service, JobCentre Plus, Child Benefit)

If you do not have any of these documents, please let us know. There are many more documents that can be used. We will do our utmost to help you open a credit union account.

Yes, Credit unions are covered by the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR). All member information is held securely and treated as strictly confidential.

Every employee and volunteer at the credit union signs a Code of Conduct, ensuring that your personal information is protected and handled responsibly at all times.

For more information on how we collect, use and protect your data, please read our Privacy Notice.

You can also find more general information about GDPR and your data rights by clicking here.

To complete a change of address, please email us using the email address linked to your account, with one of the items listed below as proof of change:

• Recent bill (less than 3 months old) such as council tax demand or gas, electricity or water rates bill
• Recent bank, building society or credit card statement (less than 3 months old)
• Tenancy agreement or mortgage statement
• Letters from a UK solicitor or Benefits Agency (or Pensions Service, JobCentre Plus, Child Benefit)

If you do not have any of the documents listed above, please let us know. There are many more documents that can be used.

Once we have received this information, we will happily change the details and notify you once the process is complete.

If you need help or would like to start the process, please contact us here.

To change your bank details, please email us using the email address linked to your account, with your full name, address and telephone number along with the following:

• Your old bank details, including name of the bank, sort code and account number
• Your new bank details, including name of the bank, sort code and account number

Once we have received this information, we will happily change the details and notify you once the process is complete. 

If you need help or would like to start the process, please contact us here.

To complete a change of name on your account, please email us using the email linked to your account, along with your date of birth and one of the items listed below as proof of change:

• Recent bill (less than 3 months old) such as council tax demand or gas, electricity or water rates bill
• Copy of your marriage certificate
• Recent bank, building society or credit card statement (less than 3 months old)
• Tenancy agreement or mortgage statement
• Letters from a UK solicitor or Benefits Agency (or Pensions Service, JobCentre Plus, Child Benefit)

If you do not have any of these documents, please let us know. There are many more documents that can be used.

Once we have received this information, we will happily change the details and notify you once the process is complete.

If you need help or would like to start the process, please contact us here.

Yes, we offer Corporate Membership for organisations such as businesses, charities, sole traders and voluntary or community groups. Corporate members can deposit funds with us and earn a dividend on their savings, similar to our individual members.

By saving with a credit union instead of a traditional high street bank, your organisation can earn a return while also supporting the local community.

Find out more about our Corporate Membership and how to apply by clicking here.

If you’re not yet a member of Enterprise Credit Union and are looking to apply for a loan, please complete our loan application online. If you’re an existing member looking for a new loan or a top up to an existing loan, you can log in to your online account or use our mobile app, you can also contact us direct to discuss your options. Please click here to see how you can apply using our mobile app.  

At Enterprise Credit Union, we consider each application individually and take into account your personal circumstances.

As part of our assessment, we may carry out searches with credit reference agencies and fraud prevention agencies. These checks may be recorded on your credit file and could be visible to other lenders.

With your consent, we may also use Open Banking to securely access information about your income and spending. This helps us build a fuller picture of your financial situation and make responsible lending decisions.

We will always explain what information we use and how it affects your application.

You can pay into your account via Standing Order, Debit Card, Bank Transfer, Direct Benefit payment, and at any of our branches. We also accept cash and cheques at any of our branches and work with a number of local businesses offering payroll deductions.

For more info on how to make a payment, please visit our How To Pay page.

Yes, you can make additional payments to your loan at any time. Paying more off your loan can reduce the amount of interest you pay overall and help you clear your balance sooner.

If you wish to make an additional payment, you can do so by contacting us directly or by using our mobile app. If you do make an additional payment, please make sure you use your member number as the payment reference so we can allocate the payment correctly.

Top-ups on loans will only be considered after 20 weeks or five months of regular loan repayments. Top-ups are not available on Uniform or Season Ticket Loans.

No, unlike some lenders you can pay off your credit union loan early at any time with no financial penalties or fees.

Loan Protection Insurance is built into your loan when you borrow from Enterprise Credit Union. This provides peace of mind, knowing that in the event of your death, your outstanding loan balance will be cleared, subject to terms and conditions.

Borrowers must be under the age of 80 and will be asked to complete a declaration of health when taking out a loan. Some exclusions apply.

If you would like more information about Loan Protection Insurance, please contact us.

You can withdraw money from your Share Account at any time, unless it is secured against a loan. If you have a loan, savings held in your Share 1 account are locked in as security. Any balance above the loan amount can be withdrawn. Savings held in term deposit accounts are subject to their own terms and conditions.

Withdrawals can be requested online or using our mobile app, or in person at any of our branches (cash withdrawal limits apply). Funds are normally paid directly into your bank account. Members can also make faster withdrawals up to £100 online or using our mobile app. Payments are sent to your bank within seconds and this service is available 24/7. Larger withdrawals will continue to follow the standard withdrawal process.

For fraud prevention, we can only pay withdrawals into a bank account in your name. If your bank account details are not shown, please contact us so we can verify them. Standard withdrawals requested before 3.00pm on a working day (Monday to Friday, excluding public holidays) are processed the same day and usually reach your bank after 4.30pm. Requests made after this time will be processed the following working day.

All members are part-owners of the credit union and share in its success. Instead of paying interest on regular savings, we pay a dividend when the credit union performs well. This dividend is proposed by the Board of Directors and voted on by members at the AGM.

Once approved, the dividend is normally paid into your account the following day. The amount you receive depends on how much you have saved over the financial year (1 October to 30 September). It is worked out in a similar way to interest and is based on your savings balance throughout the year. This means your dividend is calculated using your daily balance — so keeping money in your account for longer can increase the dividend you earn.

Interest is also paid on some special term savings accounts, such as the Gold Account which have their own terms and conditions. Find out more information about our interest-bearing accounts by clicking here.

Yes, members can open additional savings accounts to help manage money for different goals, such as budgeting, Christmas, or general savings. These extra accounts can make it easier to set money aside for specific purposes while keeping everything in one place.

To find out more about the different savings accounts we offer, visit our savings accounts page. If you would like to open an additional savings account, please contact us and we’ll be happy to help.

We are part of the Financial Services Compensation Scheme which is a statutory Deposit Guarantee Scheme that protects eligible deposits up at a maximum of £120,000 per member should the credit union fail. Full details of the FSCS scheme can be found by clicking here.

No, once you are a member you can remain a member even if you move outside the Field of Membership.

There are NO hidden fees or costs involved in transactions with the Credit Union. Interest on loans will be paid in line with the terms for that particular product.

If you have forgotten your membership number, we’ve made it easier than ever for you to retrieve it. All you need to do is click here, fill out the contact form and your membership number will be emailed to you straight away.