Heart of England Co-op Colleague? Join us today!
Why join The Money Co-op?
An easy way to save – or borrow – direct from your pay! Joining The Money Co-op means becoming part of a community where your financial wellbeing comes first. Whether you’re saving for the future or need a low-cost loan, we’re here to help you manage your money with confidence. As a member, you’ll benefit from fair, flexible finance options designed to fit your life. With our support, you’ll be in control of your money while contributing to a community that cares.
Member benefits
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Save and borrow direct from your wages: simple, straightforward and easy to manage.
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Fair finance: Access affordable loans with competitive rates and build savings as you repay by Payroll deduction.
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Savings support: Start building your savings with just £10 a month. Earn an annual dividend, or interest payments on savings.
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Community impact: Contribute to a community that supports and benefits its members.
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Free membership: Join for free, with no hidden fees or charges.
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Grow money confidence: Receive tailored guidance and tools to help you manage your finances.
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Free membership for Heart of England Co-op Colleagues
Membership of The Money Co-op is free for all Heart of England Co-op Colleagues and comes with a range of benefits.
Join now and start saving with us from just £10 a month. Want a loan too? You can apply to Join & Borrow at the same time.
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Don’t have time right now? We’ll send you some info later.
No pressure, no spam – just the good stuff!
Testimonials
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“Very satisfied and really glad I joined. It’s helped me a few times.”
Chris
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“I cannot stress enough how happy I am to be a member. The staff are amazing, so helpful!”
Ella
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“Love being a member! It’s the first time I’ve been consistently able to save.”
Farah
FAQ
You can join online by filling out our online joining form. Membership is free, and you can start saving with just £10 a month. Want a loan too? You can also apply for a loan at the same as joining – just complete our Join & Borrow form.
Yes, you can apply for a loan at the same time as joining by completing our Join and Borrow form. Your savings will continue to build as you repay the loan.
Yes – if you work for Heart of England Co-op, you automatically qualify for membership. Just select ‘I’m employed by a co-op’ on the joining form, and our team will get you verified.
Members benefit from low-cost loans, flexible savings, and can earn annual “dividend” payments on savings (like interest), as well as expert support, tools and guidance, all while being part of a supportive community. What’s more, as a Heart of England Co-op employee we have an arrangement in place that allows you to save and make loan repayments direct from your wages.
Yes! If you leave The Co-op, you can remain a member of The Money Co-op. We will simply set up your payments to come out via automatic card payment rather than payroll deduction.