What we offer
Savings
Safe, secure savings supporting the Bedfordshire community
Loans
Fair, affordable loans for our members starting from 12.7% APR
Payroll Saver
A workplace scheme to help you save directly through your salary
Loan calculator
Work out what you can afford to borrow
Budget calculator
A free online tool to help you keep track of your money
Help and support
Help with your financial wellbeing
Who we are
Bedfordshire Credit Union (BCU) is a not-for-profit financial co-operative owned by its members who live or work in Bedfordshire.
We offer savings accounts and affordable loans from our office at 6 St Paul’s Square, Bedford and online. Like other financial institutions, we are regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and all savings are protected by the Financial Services Compensation Scheme.
Explore…
Services
More products and perks for BCU members
Opening hours
Check out our opening times for office, phone and online services
News & Articles
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Guest Blog post: Stop Loan Sharks support is always on your terms
Being in debt to a loan shark is more than just a financial burden – it can be a terrifying, isolating, and emotionally draining experience. For many, it feels like being trapped in a nightmare with no way out.
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BCU on ITV Anglia
New reforms in the Credit Union Sector have been introduced and ITV Anglia spoke to Community Engagement Officer Katrina about how credit unions help people in Bedfordshire.
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Vote for BCU in the Consumer Credit Awards 2026
The Consumer credit awards are run by Smart Money People, the UK’s most comprehensive financial services review site. This unique platform helps empower consumers to make more informed choices while enabling better business decisions for financial services companies.
Our Reviews
★★★★★
Rated ‘Excellent’ on Smart Money People
I have dealt with Bedfordshire Credit Union for at least 10 years both as a saver and a loan. They are very professional as a company and always willing to help and give advice to their customers.
– Dennis F