Existing Loan Members – If you are unable to make repayments to your HCCU loan please let us know. There are a range of options available including refinancing, payment holidays, shares to loans. Please do not just stop repayments as this will affect your credit file.

Why choose us?

At Highland Communities Credit Union, you are our member, not our customer – and as such, we continuously aim to provide you with a better service, in order to thank you for your loyalty.

Whilst we strongly encourage our members to build strong saving habits, we also acknowledge that our members may at times need to borrow, which is why we offer our members a variety of loans to suit their different needs, all at affordable interest rates.

As responsible lenders, our loans are designed to facilitate saving whilst making loan repayments, so that at the end of any loan term your shares will have increased. Additionally, all interest is charged on a reducing balance (as opposed to other lenders who levy charges on early repayments), therefore should circumstances change, you can pay your loan off at no extra cost.

Since we are a not-for-profit organisation, all the interest generated from loans is reinvested back into Highland Communities Credit Union in the form of paying for operational costs and providing dividends – as such, we don’t pay our directors huge salaries, as they are all volunteers!

In order to find out more about our unsecured loans, please click here.

In order to find out more about our secured loans, please click here.

In order to start saving to borrow, please click here.

Loan protection insurance

Your Credit Union loan is protected in the event of your death* – helping protect your family from the financial burden of bereavement.

When you take out a loan with us, you also get built-in loan protection insurance. If you were to die before your Credit Union loan is repaid, this protection can help towards settling the debt, so that it is not passed on to your loved ones.

Whilst it won’t take away the pain, it will assist with the financial strain of bereavement. This benefit is included at no extra cost to you as part of your Credit Union loan arrangement.*
This peace of mind doesn’t cost the earth; it’s just another benefit of being a Credit Union member.

As a Credit Union member, you’re not only borrowing for the things you desire to make life more comfortable for you and your family. By choosing to borrow from your Credit Union, you’re helping us to provide better value loans for all Credit Union members. Along with the added peace of mind provided by Loan Protection, loans from your Credit Union can offer better financial security for you and your family.

*Subject to terms and conditions. Cover limits vary and certain restrictions apply based on age and cover. Please ask your Credit Union for more details about the individual limits and restrictions of Loan Protection Insurance. Loan Protection Insurance is underwritten by Covéa Life Limited.

Covéa Life Limited is authorised by the Prudential Regulation Authority and regulated by Financial Conduct Authority and Prudential Regulation Authority.

In association with

CUNA Mutual Group Limited

CUNA Mutual Group Limited is authorised and regulated by the Financial Conduct Authority.