FAQs Why would I join a Credit Union? What does it mean to join a Credit Union? What makes a Credit Union ethical? Do you pay interest on my savings? Why are your loans so affordable? Are there any hidden costs with a loan from a Credit Union? Are there any penalties if I pay off my loan early? How do I withdraw my savings? I’ve been refused an account with High Street banks – can you help me? What is a Common Bond? Who runs Oxfordshire Credit Union? Isn’t my money safer in a bank? As an employer, why would I set up payroll giving? Are my details kept confidential from my employer if I borrow from you? I don’t live or work in Oxfordshire, can I still join Oxfordshire Credit Union?