Regular Savings Account

  • Start saving with as little as £1
  • No limit on deposits and withdrawals
  • Requesting a withdrawal is quick and easy 
  • 24-hour access to your account online
    or with our mobile app
Regular Savings Account

Junior Savings Account

  • A great way to encourage an early savings habit 
  • A separate account for members’ children or grandchildren
  • For children from birth up to 17 years of age 
  • Accounts handed over at age 18
Junior Savings Account

Goal Savings Account

  • Save faster by setting your own savings goals
  • Manage your savings directly and track your progress 
  • Only available to online and mobile app users  
  • Request withdrawals 24 hours a day
Goal Savings Account

Why choose us?

Icon Handshake

We’re a local, people first
organisation owned by our members

Icon Chart

Our loans have fair and
affordable interest rates

Icon Dollar

Flexible repayment with no
penalties or hidden costs

Manage your money

online, at any time.


Request withdrawals and manage your savings account using our simple and fully
secure online members platform.

Find Out More

Track your savings

with our mobile app


With our handy mobile app it’s easy to keep track of your savings and manage your account at any time.

Download our mobile app
placeholder pic

You can save with us if you:


  • Live or work in Nottinghamshire or Lincolnshire (excluding Humberside)
  • Work for one of our Payroll Partners
  • Live in NCHA accommodation
  • Are 18 years of age or over
placeholder pic

Why you should save with us


  • We’re a local, not-for-profit organisation 
  • We are owned and run by our members
  • We help you save for a financial future that’s more secure
  • We focus on what really matters – providing the best service
  • We operate in a fair, responsible and ethical way


How do I pay into my account?

You can make deposits into your savings account with us either by cheque, by bank transfer or by payroll deduction. If you have lost your NLCU bank account details then just get in touch and we’ll confirm them for you.

The amount you save we leave up to you! There are no transactional fees with saving. We have a range of savings accounts and you can request your deposits be split for different purposes like Christmas or Holidays. The maximum balance we can hold in our accounts for a single person is £10000.

Do I get a return on my savings?

Usually yes! As a financial cooperative we share our profits with our shareholders – and all our customers are our shareholders.

Once we have paid for running costs and paid into our legally required reserves we share the rest amongst members based on the amount in their savings.  The dividend that we pay to our members is voted on at our yearly AGM – see our downloads page for more info from our last AGM.

How do I withdraw money from my account?

You can withdraw funds:

  1. Online using our online banking service or our mobile app
  2. Over the phone on 0330 004 0842 – lines open Monday to Friday 10am-3pm
How soon will my requested withdrawal reach my bank account?

Requested withdrawals are processed between 9am and 3pm every weekday.  Withdrawals made after 3pm, on weekends or bank holidays will be sent the following workday morning.

If requested online, this show as “Pending” until we’ve set up your withdrawal.

Are my savings safe?

Notts and Lincs Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

All savings held with Notts and Lincs Credit Union are protected under the Financial Services Compensation Scheme which protects savings up to the value of £85,000.

How can we help