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Introducing key worker loans

As a token of our appreciation, we have introduced a key worker loan for key workers including NHS, Council, Emergency and School staff.

Key Workers Loans of £1,000 are repayable over up to 60 months at just 1% per month interest (12.68% APR). Loans are subject to affordability and credit checks.

New members joining and saving through payroll deduction can get up to £2,000 unless they are a homeowner in which case, they can borrow £3,000.

New key worker members joining and saving through a standing order, will be restricted to loans of £1,000.

Key Worker Loans may be added to existing loans providing affordability checks are satisfied. Any combined loan will attract the new loan rate of 1% (12.68% APR).

Apply now.

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Child benefit savers in OX4 top of the top-up loans

Members living in OX4 were the quickest off the mark to top up their Child Benefit Loans since its launch in April 2020. Whilst many members rushed to top their loans up, those in OX4 were by far quicker and more numerous.

Remember to refer your friends that are in receipt of child benefits to the credit union and claim your £50 referral bonus for each one that you refer. Make sure that they add your name to their joining form.

If you want to top up your loan, please email us on admin@cus.coop.

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University College Oxford joins payroll saving scheme

University College Oxford has joined the growing number of employers enabling their staff to save into their credit union account through a deduction from their payroll.

Angela Unsworth MBE, Domestic Bursar, confirmed that the decision has been made and that their staff would now be free to save with Oxfordshire Credit Union through payroll deduction.

University College Oxford joins Oxford University Hospitals; Oxford City Council; Oxford Bus; Response and Guenther Truesdale Bakeries as employers that enable their staff to save through a monthly deduction from payroll.

If you would are an employer or an employee that isn’t part of the payroll deduction scheme, contact us on admin@cus.coop.

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All change

We recently introduced our new current account, with a debit card, called the Change Account. This replaces the former card, Engage Cards.

Members who had an account with Engage Cards should receive the new Change Account details and debit card in the post. If you haven’t received yours yet, please email us on info@oxfordshirecreditunion.com. If you don’t wish to have a Change Account or card, please return it to us at The Bungalow, Pinkwell Lane, Hayes, UB3 1PE so that you don’t get charged.

If you would like to apply for the Change Account, please contact us on info@oxfordshirecreditunion.com or call 01865 777 757 to find out how to apply for this card.

Why have a Change Account?

From just £2 a month, you can enjoy great benefits with a Change Account. Some of these benefits include:

Full transactional account – with a dedicated Sort Code, Account Number and Debit Mastercard® (Chip & PIN protected) therefore you can use it in the following ways:

o Point of Sale, ATM withdrawals and online purchases

o Direct Debits, scheduled and faster payments

o BACS Credits (wages/benefits)

o Choice of single or joint account.

Secure budgeting wallets – allows you to subdivide spending, budgeting and bill payments. Encourages you to protect your money allocated for bills.

Clear payment alerts – automatic online payment alerts as well as optional alerts via SMS, Mobile App and email.

A wide ranging Rewards Programme – well-known brands like Asda, New Look, Pizza Express and Argos offering Cash Back (up to 20%) when you spend instore or online.

Online account management – you can manage your account online therefore enabling you to keep up to date with your balance, transactions or cash withdrawals.

Mobile App account management – manage your account ‘on the go’ with our Mobile App (available FREE through iTunes and Google Play).

24/7 UK based customer support – support via phone, email and secure messaging

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OCU Christmas 2019 newsletter

Oxfordshire Credit Union is reflecting on a great year after introducing new products and exciting new service delivery improvements. Our Christmas 2019 newsletter highlights some of these features including:

  • Great new deal for travellers with Oxford Bus Company
  • The Change Account, the new current account and debit card
  • Checking your account balance by telephone
  • Easier loan application with the introduction of editable forms and open banking.

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For news and updates, follow us on Twitter and Facebook. While you are there, please feel free to share your Christmas tree pics with us, using the hashtag #CUChristmas.

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Christmas opening hours 2019

Below are our opening hours over the Christmas period:

Monday 23 December – 8am to 4pm

Tuesday 24 December – 8am to 1pm

Wednesday 25 December to Wednesday 01 January 2020 – CLOSED

We will re-open on Thursday 02 January 2020.

LOAN APPLICATIONS DEADLINE FOR APPROVAL BEFORE CHRISTMAS

If you are looking to apply for a loan by Christmas, then the last day to apply is 10 December. There won’t be any guaranteed loans after this date until the new year.

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Great savings on travel with Oxford Bus Company

The Oxford Bus Company has formed a partnership with Oxfordshire Credit Union to provide its members with payment plans to make travel more affordable. As part of the collaboration Oxford Bus Company is providing Oxfordshire Credit Union members access to a season ticket loan scheme. Members who commit to save at least £5 per month with the Credit Union can sign up for a 12-month loan at 1.5% monthly interest for an Oxford Bus Company or Thames Travel annual season ticket, saving as much as 35% on the cost of paying for
travel weekly through the year. Oxford Bus Company, Thames Travel and City Sightseeing Oxford employees will also be able to benefit from the Credit Union’s savings and loan schemes at beneficial rates of interest compared to high street lenders.

For information and to apply for this loan, contact us on info@oxfordshirecreditunion.co.uk or call us on 01865 777 757

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Engage Cards failure

Recently, members with Engage Cards were sent some communication indicating that a new card would be sent to them and that the sort code and account number which they were sent was to be given to their credit union.

Several members contacted us to give us the new card sort codes and account numbers. As Engage Cards is a third party provider, we don’t keep this information on our records therefore we’ve had to decline these offers.

It has come to our attention that no one has been sent a new card and that the system for loading cards will no longer respond to the transfers that we put through for members.

Our staff have contacted Engage Cards who apologised for the issues caused and confirmed that a provider that they use has created the problem and that their switchboard is now jammed with calls.

We understand how much our members rely on the card transfers and we apologise for the miscommunication and inconvenience that has been caused by Engage Cards. Engage Cards are trying to resolve the issue as quickly as possible.

As some of you may already know that we intending to transfer to a new card provider called the Change Account. We are currently working with them on an improved implementation date.

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