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Renfrewshire-Wide Credit Union + Connect4Renfrewshire

Over the past 4 years Renfrewshire-Wide Credit Union has been working with the Connect4Renfrewshire (C4R) project to help members with Energy advice, budgeting, money management, and helping them access ethical financial products.

How can the C4R project help you?

What Connect4Renfrewshire brings together a wide range of services working with partners such as Renfrewshire Council, RAMH, Renfrewshire-Wide Credit Union and RAMH Lifeskills Furniture Re-use.

Renfrewshire-Wide Credit Union has been working in partnership with Connect4Renfrewshire for the past 4 years to help our members with various services such as:

  •  Energy advice and advocacy
  •  Specialist debt advice
  •  Budgeting and money management support
  •  Access to appropriate financial products
  •  Advice on benefits
  •  Access to recycled goods

Who

Connect4Renfrewshire launched in December 2013 and has supported 1800 Renfrewshire households to save money and ease the load. C4R have experienced workers who are available to help with money, budgeting and energy needs.

Connect4Renfrewshire is funded by Big Lottery and partner agencies, C4R is a direct response to welfare reform and the challenges that it presents to people living in social housing. By providing coordinated support, C4R seeks to help residents that are experiencing financial hardship and those that have been identified as being at risk.

Do you think you could be paying less for your energy bills? If you are a Renfrewshire-Wide member and you think the C4R project could help you with any of the above, give us a call on 0141 889 7442.

You can also pop in and have a chat with Calum our C4R representative.

For further information about the C4R project please visit our website –

http://www.rwcu.co.uk/news.php?article=82-Connect4Renfrewshire#.WVthLzOZPVo

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Renfrewshire-Wide Credit Union’s Super Summer Special is back by popular demand!

Looking to book a holiday in the sun?

For a limited time, Renfrewshire-Wide Credit Union is offering members a super summer special. The loan is available to new and existing members (new members capped at £1,500) and must be repaid over 12 months. The loan is available from 1st June 2017 until the 31st of August 2017. If you aren’t a member of RWCU then pop in and see us or give us a call on 0141 889 7442. You can also join online via our website www.rwcu.co.uk

T&Cs: 

Total loan amounts cannot exceed £5,000. There must be no arrears on your account. All loans will be credit checked. Standing order must be in place before applying for the loan. Final approval will be made by the RWCU credit committee. Saving contribution must be made when repaying the loan. For further T&Cs ask staff for more information.

 

 

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Renfrewshire-Wide Credit Union’s Linwood outreach is moving to the Linstone Hub Belmar Court, starting Monday 5th June 2017

Starting Monday 5th of June 2017 Renfrewshire-Wide Credit Union’s (RWCU) Linwood outreach is moving from the Tweedie Hall in Linwood to the Linstone Hub.  The partnership with Linstone has enabled the move and will help the tenants and other members in the Linwood community gain access to the products and services that are available from Renfrewshire-Wide Credit Union on their doorstep.

Linstone Housing Association’s Tenant Liaison Officer, Margaret Baillie, said: “We are very excited that Renfrewshire-Wide Credit Union is moving to the community Hub in Belmar Court, currently there is no bank in Linwood and as Belmar Court is in a central location, it will give the community of Linwood the chance to save and enjoy the many benefits the credit union provide, there will be a warm welcome to all who visit and the chance for the community to meet up and a nice cup of tea will always be offered to all.”

RWCU was established in 2006 after a group of volunteers from the local areas of Linwood, Erskine and Renfrew decided to work together to ensure that everyone who worked or lived in Renfrewshire had access to a credit union. From their hard work, Renfrewshire-Wide Credit Union was born.  Ten years later Renfrewshire-Wide Credit Union is proud to be serving the community to provide access to affordable, ethical financial services, as well as working with local schools to educate our young people on the benefits of saving via the Renfrewshire-Wide Credit Union CashCubs program.

RWCU’S Marketing Officer, Paula Ferrier, said: “Our aim at Renfrewshire-Wide Credit Union has always been to promote ethical, affordable financial choices.  We believe that our credit union services and products offer the people of Renfrewshire a great value, community based alternative to the poor deals offered elsewhere.  You don’t have to be a Linstone resident to come along; the outreach is open to the whole community of Linwood.  If you are interested in joining the credit union or would like to find out more information on the products and services that are available, then pop in on Monday 5th of June for a cup of tea and chat with our Linwood volunteers Margaret Gourlay and Elizabeth Anderson.

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Renfrewshire Wide Credit Union – AGM Monday 27th March 6pm

Renfrewshire-Wide Credit Union (RWCU) would like to invite you along to their annual general meeting on Monday the 27th March 2017 at 6pm in the Wynd Centre in Paisley (6 School Wynd, Paisley PA1 2DB). The meeting is open to all members and will give you the chance to meet with the board and review the credit union’s performance over the past year.

If you are interested in coming along, please email info@rwcu.co.uk alternatively you can call us on 0141 889 7442 to confirm your attendance.

For more information on Renfrewshire-Wide Credit Union please visit www.rwcu.co.uk

 

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Renfrewshire-Wide Credit Union Newsletter 2017

We are pleased to share with you our first newsletter of 2017, last year was very busy for us at RWCU we want to share with you some of the exciting things that we as a credit union are continuing to do for our members in Renfrewshire.

Interested in joining Renfrewshire-Wide Credit Union?

With a wide range of products and services why would you not join? Whether you’re saving for a rainy day or looking to access ethical affordable loans then look no further than your local credit union.

Credit unions are not-for-profit organisations, with NO external shareholders, our members are shareholders.

Being not for profit means it’s about what’s best for YOU, not what makes the most money.

Join online today!
www.rwcu.co.uk

41 High Street Paisley
PA1 2AS
0141 889 7442
info@rwcu.co.uk

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‘RENFREWSHIRE-WIDE CREDIT UNION SET TO HELP MEMBERS WITH THE RISING COST OF FUNERALS’

The credit union has launched a funeral finance product specifically aimed to help tackle funeral poverty throughout Renfrewshire.

The rising cost of the average funeral in Scotland is £3,716. Renfrewshire-Wide Credit Union appreciates that this can be a difficult time for families as paying for a loved one’s funeral can be a financial strain for many people. RWCU has launched a product to help ease the financial burden felt by Renfrewshire families who may struggle to pay funeral expenses. RWCU’s Manager, Karen Graham, said: “The Funeral Finance product should help reduce anxiety and distress caused by financing a funeral and help protect families from problems caused by resorting to high-interest loans to meet the funeral costs of loved ones. Our aim at Renfrewshire-Wide Credit Union has always been to promote ethical, affordable financial choices to meet the needs of our members. We believe that our credit union services and products offer the people of Renfrewshire a community-based alternative to the high interest deals offered elsewhere.”

With the Funeral Finance loan up to £3,000 can be borrowed to help with the cost, this is an ethical affordable way to pay for a loved one’s funeral. The loan will be available to new and existing members Terms & Conditions will apply.

If you are interested in finding out more about this product, then you can contact Renfrewshire-Wide Credit Union on 0141 889 7442 or you can email them at info@rwcu.co.uk

Visit  www.rwcu.co.uk for more information.

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How can Renfrewshire-Wide Credit Union help you this Christmas?

Helping our members this #Christmas

Christmas is a great time of year for just about everyone! Family, friends, presents and good food. Although Christmas is a magical time of year many find it a very stressful time of year; this is due to the financial struggle that Christmas can bring. In the run up to Christmas many people opt to take out loans using banks and payday lenders which might seem like the best option at the time, however in the long term this option can cause even more financial stress.

untitled-1Have you thought about becoming a member of a credit union?

A credit union is a financial institution similar to a bank or building society except it is owned and operated by its members. Members have a say in how the credit union operates and contribute to all aspects of decision making through the board members. We care about you and our community as a whole; credit unions are for the people. One difference between a bank and credit union is that banks have external shareholders; banks focus on making money for their shareholders. Credit unions are not for profit and are run by members, members are shareholders, so any decisions that are made have the members at the center of the decision.

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Renfrewshire-Wide Credit union is open to everyone who lives, works or studies in Renfrewshire, we offer many products and services to our members. We are there for you through all occasions whether it be a Christmas, new car, wedding, home improvements and even unexpected bills. There is something here for everyone at Renfrewshire Wide Credit Union.

There are many products and services available for members during the festive season –

We offer ethical loans to our members to discourage the use of payday lenders; there is always another option and we can help take the financial struggle away. You can become a member of RWCU online and even apply for your loan online.

Visit our website for more information –

http://rwcu.co.uk/

https://twitter.com/RWCREDITUNION

https://www.facebook.com/RenfrewshireWideCreditUnion/

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New savings website helps give residents some credit

Renfrewshire’s five credit unions have teamed up to offer a one-stop-shop website aimed at covering the savings and loan needs of everybody in the area.

Frances McCann (Scotwest); Margaret Bryce (Johnstone Credit Union); Heather Kay (Engage Renfrewshire); Provost Anne Hall; Stacey Mathieson (Renfrewshire-Wide Credit Union); Sean Sandland (White Cart Credit Union); Cathy Mitchell (White Cart Credit Union); Bill Ingles (Gleniffer Credit Union); Paula Ferrier (My Credit Union Renfrewshire); Alan McNiven (Engage Renfrewshire).

Frances McCann (Scotwest); Margaret Bryce (Johnstone Credit Union); Heather Kay (Engage Renfrewshire); Provost Anne Hall; Stacey Mathieson (Renfrewshire-Wide Credit Union); Sean Sandland (White Cart Credit Union); Cathy Mitchell (White Cart Credit Union); Bill Ingles (Gleniffer Credit Union); Paula Ferrier (My Credit Union Renfrewshire); Alan McNiven (Engage Renfrewshire).

The new site at  www.mycreditunionrenfrewshire.co.uk has just been launched and brings together Gleniffer, Johnstone, Renfrewshire-Wide, Scotwest and White Cart credit unions.

It means the various services offered by the five organisations are available in one place – allowing visitors to find whatever savings and borrowing plan suits them and link through to the credit union website.

children from Hillview Nursery with Paula Ferrier of My Credit Union Renfrewshire

children from Hillview Nursery with Paula Ferrier of My Credit Union Renfrewshire

The website was funded through Renfrewshire Council’s Tackling Poverty Programme – a two-year £6m scheme covering 50 projects aimed at taking on the causes of deprivation.

Staff from local third-sector group Engage Renfrewshire also played a key role in co-ordinating the project.

nursery child Robbie McGlynn

nursery child Robbie McGlynn

And representatives of all five credit unions were joined by councillors in Paisley’s Piazza to promote the scheme to lunchtime shoppers.

They were joined by kids from Childcare First’s Hillview Nursery in Ferguslie Park – one of the first organisations to make use of the new website.

Paula Ferrier, marketing officer for  www.mycreditunionrenfrewshire.com, said: “The website signposts the users to a credit union which suits their needs.

“The five credit unions all offer different things but whatever the user is looking for – savings, a mortgage, a car loan, a funeral loan – it’s all there.

“We aren’t like the banks in that we aren’t in competition – we all work together and support each other.

“We are not-for-profit organisations and our members are the shareholders so by saving with us people are giving back to the community.”

Renfrewshire’s Provost Anne Hall was there to help launch the scheme and she added: “The website is a great idea and really easy to use – I would recommend anybody who is thinking about borrowing any money have a look at it.

“We are delighted to have funded this scheme through the council’s Tackling Poverty programme – by helping the credit unions market what they offer we are putting money back into the pockets of people who need it most.

“Since the programme started in 2015 it has helped create more than 600 new credit union members across Renfrewshire, and saved local people a total of £84,000 on interest payments compare to high street banks.”

You can see the new website now at www.mycreditunionrenfrewshire.co.uk

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My Credit Union Renfrewshire

Have you ever wondered what a credit union is? My Credit Union Renfrewshire will answer all your questions.

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We are delighted to announce the launch of a new website, outdoor advertising and radio campaign that will raise awareness of credit unions in Renfrewshire and answer the common question ‘What is a credit union’. To celebrate the launch, we are extending an invitation to the public and press to an event that will take place on Thursday 20th October (International Credit Union day) in the Piazza centre Paisley at 11am.

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www.mycreditunionrenfrewshire.co.uk has been designed to promote the benefits of Credit Unions to the people of Renfrewshire. The fresh, easy-to-use website signposts people to credit unions throughout Renfrewshire, lists all their services and highlights the many benefits of saving and borrowing affordably. A key aim is to raise public awareness of credit unions generally and to help people enjoy the benefits of sound money management.

The website is funded by Renfrewshire Council who have committed up to £500,000 of funding to support credit union development in Renfrewshire as a key strand of their Tackling Poverty strategy. This substantial investment has been used in a variety of initiatives to tackle the rise in high cost lending and to provide access to a wider range of ethical and affordable financial products for the Renfrewshire community.

Gleniffer Credit Union, Johnstone Credit Union, Renfrewshire-Wide Credit Union, Scotwest Credit Union and White Cart Credit Union have collaborated on the development of the website to ensure that the Renfrewshire community can make an informed choice on the best credit union for their needs. Paula Ferrier, the Marketing Officer overseeing the website development said, “This is a fantastic opportunity for credit unions in Renfrewshire, to have a campaign that promotes good value financial products and services and the many free benefits that are available. Credit unions are not for profit, member-owned financial cooperatives, so they can’t always compete with the massive marketing budgets that banks and high-cost lenders can deploy. In some ways, credit unions are a well-kept secret! However, more and more people are discovering how much better off they are by joining a credit union, and with over a million members across the UK, mycreditunionrenfrewshire will help open credit union doors to even more people in Renfrewshire.”

To mark the launch of this vibrant new website and to celebrate International Credit Union Day, representatives from all five credit unions will be in the Piazza Centre, Paisley on Thursday 20th October from 11am to 1pm to chat and answer any questions about joining a credit union. Additionally, Councillor Mike Holmesdeputy leader of Renfrewshire Council, and several third sector agencies will be present to help raise awareness of credit unions and help mark the occasion.

There will be lots of credit union freebies being handed out – so call into the Piazza Centre and let Renfrewshire credit unions help you to make the most out of life and your money!

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Cash Cub saving club!

Cash Cub is heading back to school!

Renfrewshire-Wide Credit Union (RWCU) is re-launching their primary school savings club under the new name of ‘Cash Cubs’. Cash Cubs is a new initiative building on the successful school savings club launched by the credit union in Renfrewshire schools in 2009. Bringing the concept bang up to date with the addition of the fun and exciting Cash Cubs mascot, primary school pupils are encouraged to get even more active with their school credit union or to join from scratch if they’re not already a member.

RWCU have many established Primary School Credit Unions in the Renfrewshire area where, with the help of adults, the primary 6 and 7 children run a collection for all pupils who wish to deposit money into their credit union accounts.

Louise Houston, RWCU’s Project Coordinator said, “It’s great to see so many schools in Renfrewshire taking part in the Cash Cubs savings club. At Renfrewshire-Wide Credit Union we believe it’s important to encourage children to develop a good savings habit and forge early links with credit unions, as this can have lasting benefits that keep going right through their adult years.”

RWCU are currently running projects in Barsail, Bargarran, Glencoats, St James’ Renfrew, Kirklandneuk and Arkleston primary schools, along with many others.

If you would like to start a School Credit Union collection, please contact Louise Houston at RWCU for more information.

info@rwcu.co.uk

0141 889 7442

www.rwcu.co.uk