ABOUT US
Your Community Bank is a member-owned financial co-operative, proudly serving individuals who live, work or study in Croydon, Merton and Sutton.
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As a Credit Union, we exist solely to serve our members - not to generate profit for shareholders. Any surplus we make is reinvested to improve our services, offer fairer rates, and strengthen the support we provide to our local communities. When finances allow, we also return value directly to our members through an annual dividend.
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We offer an accessible, ethical, and community-focused alternative to mainstream banking - helping you save securely, borrow responsibly, and manage your money with confidence.
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Whether you’re planning for the future, need a helping hand today, or want to build better financial habits, we’re here for you. This is your bank, built around your needs.
OUR JOURNEY
1999
Croydon Savers Credit Union Ltd is founded
Set up to support staff at Croydon Council with ethical savings and affordable loans.
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2004
Expanded Membership
Services open to anyone living or working in Croydon, reflecting growing demand for fair, accessible finance.
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2010
Name Change: Croydon Merton and Sutton Credit Union Ltd
Services extend to the boroughs of Merton and Sutton, expanding our reach.
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2016
New Trading Name: CroydonPlus
Marks the start of digital transformation and service modernisation to better support our members.
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2025
Rebrand: Your Community Bank
A new trading name that reflects who we are today – a trusted, community focused institution built on trust, integrity and support.
Today, we continue to offer fair, inclusive and accessible financial services to the people of Croydon, Merton and Sutton - evolving with our members while staying true to our founding values.
YOUR MONEY I YOUR COMMUNITY I YOUR BANK
OPERATIONS & GOVERNANCE
Your Community Bank operates from its central office in Croydon, with outreach support across Merton and Sutton. Services are delivered by a combination of paid staff and trained volunteers.
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Governance is provided by a Board of Directors, supported by a Loan Panel and Supervisory Committee, ensuring compliance, financial responsibility, and strategic oversight.
REGULATION & PROTECTION
Your Community Bank is the trading name of Croydon Merton & Sutton Credit Union Ltd (CMSCU Ltd). Registered address: The Lansdowne Building, 2 Lansdowne Road, Croydon CR9 2ER
​​​Your savings with us are protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).   For further information about the scheme (including the amounts covered and eligibility to claim) you can visit www.fcsc.co.uk or call 0800 678 1100.
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​Croydon Merton & Sutton Credit Union Ltd is authorised by the Prudential Regulation Authority (Firm reference number 213603) and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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DATA PROTECTION
Your Community Bank, the trading name of Croydon Merton & Sutton Credit Union, is also registered with the Information Commissioner’s Office (ICO) – reference number Z9325193.
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You can be confident that your personal information is safe with us.