Once you start saving it's easier to keep going...

We know times are tough and it’s never easy to save money. But unless you start, you’ll always worry about not being able to pay for the important things in life.

Savings

But unless you start, you’ll always worry about not being able to pay for the important things in life.

  • Circle Housing Money can help you find a way to save
  • Join us today and save a little, save regularly save worrying about what the future holds
  • Scroll down to view our range of plans.

Circle Housing/Centra employees don't forget to fill in the "Payroll Deduction".

Apply now

Membership account

When you join Circle Housing Money you automatically get a membership account. This is because you have become a member of Leeds Credit Union.

You don’t need to deposit money into this account if you are saving through one of the other plans. If you want to use the Membership account as your only savings account, you’ll need to save a minimum amount:

  • £3 per week or £13 per month if you earn a wage or
  • £1 per week or £5 per month if you don’t earn a wage

A Membership account gives you instant access to your money. You also get a free Paypoint card making it easier to add money to your account at shops or the Post Office.

Membership accounts do not receive a dividend because they offer ‘Instant Access’. Read through the full terms and conditions here.

Apply now

Christmas Club plan

The Christmas Club plan allows you to save as much or as little as you want. So when Santa comes calling, you’ve got the festivities wrapped up.

Choose how much you want to save from now to October, and whether you want to pay in small amounts every week or every month. Even better, you can only access the money you’ve saved from 1st November, meaning you could have enough put aside to make this the best Christmas ever.

You can open a Christmas Club plan with as little as £1.

Apply now
or call us on 0800 902 0021 (now free from landlines and mobiles).

Read through the full terms and conditions here.

Regular Saver plan

The Regular Saver plan is for those of you who want to put a little more away, more regularly. You get a return on your savings and you can only make six withdrawals a year, so there's less danger of you dipping into your savings before they're ready to be spent. You need £20 to open a Regular Saver plan and then be able to put in at least £5 a month.

Save Little. Save often. And be confident you can pay for all those extras throughout the year.

To open a Regular Saver plan, apply online or call us on 0800 902 0021 (now free from landlines and mobiles).

Read through the full terms and conditions here.

Apply now

Join us

Join us to access our other saving plans and products.

Click here to join

Call: 0800 902 0021

or email us

Young Saver plan

The Young Saver plan for under-18s lets you save as much or as little as you want. Which means you keep a firm grip on your birthday money, Christmas money and any other money that comes your way throughout the year.

Great for putting a little away now for bigger things in the future, you only need £1 to open a Young Saver plan and you have access to it whenever you want.

Your parent or guardian can open a Young Saver plan for you with as little as £1. They can:

Download an application form or call us on 0800 902 0021 (now free from landlines and mobiles).

Apply now

Loyalty account

If you have a lot of money that you don’t need to spend right away, the Loyalty account is for you. We aim to pay a 1% dividend each year.

To find out more or open a Loyalty account click here or call us on 0800 902 0021 (now free from landlines and mobiles).

You must have at least £1000 to open a Loyalty account, and only one withdrawal is allowed per year.

Read through the full terms and conditions here.

Apply now

 

Payroll deduction

If you’re a Circle Housing or Centra employee we can arrange for money to be put aside straight from your salary, so you’ve got a pot for things that matter or in case something goes wrong.

The money you’ve saved can be withdrawn at almost any time, and your savings are protected by the Government’s compensation scheme up to a total of £75,000.

To apply for payroll deduction simply fill in section 8 of the online membership application form or call us on 0800 902 0021 (now free from landlines and mobiles).

Read through the full terms and conditions here.

Apply now


Information on dividends

Circle Housing Money savings products are a little bit different to traditional bank accounts, so they pay you a dividend rather than interest. This is based on how well the credit union has done, so the more people joining and saving money the higher the dividend will be.

The amount we aim to pay in dividend on each account is voted on at the Annual General Meeting, to which all members over 18 are invited. We let members know what the dividend on their accounts will be throughout the year. Please note: a dividend is not paid on the membership account.

Read through the full terms and conditions here.