Watford Credit Union logo
59 Clarendon Road
WD17 1LA
01923 236401
Email info@watfordcreditunion.co.uk


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Welcome to Watford Credit Union

See below for latest information on actions because of Covid 19 pandemic.The 2021 AGM has agreed a 0.7% Dividend.

Dear member,

In response to the current Corona virus outbreak and following advice from our trade body ABCUL and clarification from the FCA and PRA, the Watford Credit Union has had to take the following steps:


  • All collection points will be closed with effect from tomorrow, 19th March 2020.  If you normally make your loan repayments by cash, you will need to make arrangements to pay by standing order or bank transfer.  Please remember, ALWAYS quote your membership number as the reference.  Contact us if you need help with this.

  • Please only leave telephone messages if it is absolutely necessary.  There will be a much reduced volunteer capacity in the office to deal with them.

  • We will try to process share withdrawals within five working days in accordance with our standard policy.  If you already have a nominated bank account registered with us for withdrawals, then you can make a request by email or telephone message. and post the completed form to the office.  A nominated bank account form can also be found at (www.watfordcreditunion.co.uk/documents.html).  Once completed, this can be posted to us or scanned and sent by email.  If you do not have a bank account debit card and need cash withdrawals we could organise an Engage Card,  see https://engageaccount.com for more information.  If you register this as your Nominated Account we can transfer your savings onto the card and you can get cash from a shop or ATM.

  • Share withdrawals will be limited to one per week per member.

  • If you have applied or want to apply for a loan, please allow plenty of time, as the assessment and processing will take longer. You may need to submit documents by email.

The situation will be kept under review and we will update our website with any changes to these arrangements in due course.

Help us to help you.
Please do not post duplicate Share Withdrawal's. Whenever possible, plan ahead and make one larger withdrawal rather than several small ones.
Monetary limits. The maximum savings you can have in Watford Credit Union is £15,000. A member can apply for a loan of 3 times savings after 13 weeks membership, the first loan is limited to £5000, the maximum loan is £10,000.

Perhaps you can help in the future by joining our team of volunteers and learning how to help run Watford Credit Union. If you are able to commit a few hours on a regular basis please contact info@watfordcreditunion.co.uk
We are also looking for members  who can make a bigger commitment and take on more management responsibility including standing for election to the Board of Directors.

Paying in to your account. If you want to pay into your credit union account
by Standing Order or Online bank transfer, please use the bank details below. Make sure the reference is your membership number.
Lloyds Bank Sort Code 30-99-21, Account number 58295268

Statements. Unless you have opted out of having your statement by email, you can now download one from watfordcreditunion.co.uk/statement/ . You will need to enter your membership number and your postcode, the statement will be sent to the email address you have registered with us.
If you have previously opted out but would like to change and make use of this facility, please email info@watfordcreditunion.co.uk .
Please make sure that if you change your email address that we have the correct one.

Watford Credit Union CredEcard has changed to Engage
engage card
For more information  click here
To download an application form click here
Read about the new envelope facility for budgeting and Universal Credit here
To see the cashback calculator click here
Collection point information. All collection points closed because of the pandemic.
 Here is the new list of drop-­in opening hours. .
Monday: 4pm ~ 6:30pm 59 Office Clarendon Road, Watford WD17 1LA
Tuesday: 1pm ~ 2pm Berry Lane Methodist Church, Mill End, Rickmansworth WD3 7HJ
Wednesday: 4pm ~ 6pm 59 Office Clarendon Road, Watford WD17 1LA
1st and 3rd Friday of the month: 10am ~ 11:30am Meriden Residents Association
office, 149 York Way, Watford WD25 9UF
Friday: 12.00am ~ 1pm West Watford Community Center, 15 Harwoods Road, Watford
WD18 7RB
Appointments at the Clarendon Road office
If you need to visit us at any time outside the above drop-­in hours, please phone 01923
236401 or email info@watfordcreditunion.co.uk to arrange an appointment at our
Clarendon Road office. Please also note that you might have to wait a few days for your
appointment. The credit union is staffed by volunteers, and different people do different
tasks, so it will depend on the nature of your transaction and on who is in at what times.

Collection Point leaflet download here

Information by Email.
Following a change in  credit union law, we can now send detailed information such as statements by Email.  If you agree to receive your information this way, please send an Email from the address that you would like to receive the information, or click here and enter the subject as " Receive information by Email" and put your name and membership number in the main section .
If this is different from the Email address registered with us, we may ring you to confirm this.
The more members we can Email information to, the more money can be saved by the credit union.

To help us provide an even better service to members, we need more volunteers. If you are able to commit a few hours on a regular basis please have a look at the volunteer page here
If you have been helped by Watford Credit Union, why not give some time to help others?

We are a local financial co-operative owned and controlled by our members and regulated by the Financial Services Authority.

We offer

  • safe easy savings

  • an ethically based investment policy

  • great value loans (examples)

  • free life insurance on savings and loans *

You can join if you live or work in the WD postcode area.

Find out more - Email: info@WatfordCreditUnion.co.uk

Telephone: 01923 236401

Offices: First Floor, 59 Clarendon Road, Watford WD17 1LA [Map]

* Some conditions apply. For more information contact info@watfordcreditunion.co.uk or ring 01923 236401

GDPR.The Watford Credit Union Privacy and Retention policy can be downloaded HERE