ACAT Members Can Now Join Churches Mutual Credit Union

Churches Mutual Credit Union is a financial co‑operative created by and for the Church community. This new partnership opens the door to ethical savings and affordable loans designed to support both individuals and church bodies.

https://www.churchesmutual.co.uk/

Ways to Join

1. Individual Membership

ACAT members can now open their own personal savings accounts with Churches Mutual. These savings are:

• Instant access savings
• Dividend‑based returns, at the last AGM, Churches Mutual paid 2.50% on savings over £10,000 and 1.75% on balances up to £10,000
• Covered by the FSCS up to £120,000.

Your savings don’t just sit in an account, they actively support others who need affordable credit across the Church community.

https://churchesmutual.cuaccount.com/join/

2. Church Savings Accounts

Church bodies can also join as corporate members. Which in addition to the above are:

• Ideal for PCCs, dioceses, circuits, congregations, and charities
• A safe home for reserves, project funds, or short‑term balances
• Savings help strengthen the wider Church by enabling fair, accessible credit

https://www.churchesmutual.co.uk/loans/corporate-membership-application-form/

How Your Savings Make a Difference

Churches Mutual operates on a simple but powerful principle: members support members. Funds deposited with the credit union are used in solidarity to offer affordable, responsible loans to others within the Church community. This keeps money circulating ethically and strengthens the financial resilience of churches and individuals alike.

Loans Designed for the Church Community

Churches Mutual offers a range of competitive loans that are tailored to real‑life needs, including:

• Personal loans for home improvements, car purchases, or unexpected expenses
• Church loans for building projects, repairs, equipment, or mission initiatives
• Consolidation loans to help members manage existing borrowing more sustainably

All loans are offered at fair, transparent rates, with decisions made by people who understand the Church context.

A Financial Home Rooted in Shared Values

By joining Churches Mutual, ACAT members become part of a growing movement committed to stewardship, mutual support, and ethical finance. Whether you’re looking for a safe place to save or a responsible way to borrow, Churches Mutual exists to serve the Church family.