An incuto demo - Demo Credit Union is a fictional credit union showcasing the art of the possible.

Savings

Savings that work for you - and your community

Every pound you save with Demo Credit Union stays local, funding affordable loans for your neighbours while earning you an annual dividend.

Our accounts

Choose the account that suits you

All of our savings accounts are simple, flexible, and free of hidden charges. Open one - or several - when you join.

Regular Saver

Our main share account. Save weekly or monthly by standing order or payroll deduction and build a healthy savings habit.

  • Minimum saving£1 per week
  • WithdrawalsAnytime
  • Dividend paidAnnually
Open with membership

Instant Access Saver

A flexible account for day-to-day savings. Pay in and withdraw whenever you like, with no notice period and no penalties.

  • Minimum balance£1
  • WithdrawalsInstant, online
  • Dividend paidAnnually
Open with membership

Junior Saver

Start your children on the savings habit early. Open an account for anyone under 18 and watch their nest egg grow with them.

  • For ages0-17
  • Minimum saving£1 per month
  • Managed byParent/guardian
Open with membership

Christmas Saver

Put a little aside all year and take the stress out of December. Funds are locked until November so your Christmas money stays safe.

  • Minimum saving£2 per week
  • WithdrawalsFrom 1 November
  • Dividend paidAnnually
Open with membership
Why save with us?

Safe, simple and ethical

Your savings do more at a credit union. Instead of boosting shareholder profits, they're lent to other members at fair rates - and any surplus comes back to you as a dividend.

  • Savings protected up to £85,000 by the FSCS*
  • Annual dividend instead of headline-chasing rates
  • Save by standing order, payroll deduction or card
  • Free life savings insurance on eligible balances
  • Manage everything online, 24/7
Start saving today

Save straight from your pay

If your employer is one of our payroll partners, you can save (and repay loans) directly from your salary before it ever reaches your bank account - the easiest way to save without noticing.

Ask about payroll savings
Get started

Become a member and open your account today

Joining takes just a few minutes online. Once you're a member, you can open any of our savings accounts straight away.

Join Demo Credit Union