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

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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

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).

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

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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!

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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

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RENFREWSHIRE-WIDE CREDIT UNION CELEBRATES 10 YEARS OF ‘PEOPLE HELPING PEOPLE’

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Renfrewshire-Wide Credit Union extended an invitation on Friday 15th July to a public unveiling of a specially commissioned community artwork, to celebrate the credit union’s 10-year anniversary of their people helping people commitment and their proud support for the Paisley 2021 City of Culture bid.

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RWCU’s Manager, Karen Graham, said: “In 2006 a group of volunteers from different local areas 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 our 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 RWCU Cash Cubs program.

Ross Dinnett and Jean Cameron

“To mark the occasion and in support of the Paisley 2021 City of Culture Bid, we commissioned up-and-coming local artist Ross Dinnett to paint a mural. The mural captures the hopes and lifestyle aspirations of the members we serve, helping them to achieve their dream wedding, holidays or a new car, but also helping them through tough times such as loans for an unexpected bill or the passing of a loved one incurring unplanned funeral costs.

“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.

“Some of the original volunteers who worked hard to bring Renfrewshire-Wide Credit Union to the people of Renfrewshire continue to volunteer week after week. In fact two of our volunteers, Betty Anderson and Margaret Gourlay, recently received the Provost Award for Voluntary service having clocked up over 60 years of service to the community of Renfrewshire. Their dedication really brings the idea alive that ‘together we can achieve greatness’.

“Our 10-year anniversary is a great example of what can be achieved by ‘People helping People’. We look forward over the next 10 years to helping the people of Renfrewshire make the most of our fantastic savings and loans, enjoying our new mural and hopefully seeing a bit of themselves in our vibrant new artwork.”

The unveiling took place on Friday 15th July at 11am.

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University of the West of Scotland (UWS) won the Best Partnership Award for their work with Renfrewshire-Wide Credit Union at the recent Student Money Advice Awards 2016

Paula Ferrier & Kellie McAlonan

Renfrewshire-Wide Credit Union and UWS funding team have been working hard over the past year to raise awareness of the benefits of joining a credit union along with introducing the concept of credit unions as community-based organisations to students.

Paula Ferrier & Kellie McAlonan

Paula Ferrier & Kellie McAlonan

 The Awards, which are run by the National Association of Student Money Advisers (NASMA), took place at St. John’s Hotel, Solihull on 28 June 2016. This Best Partnership Award recognises the work the University’s Student Services Funding & Advice Team undertook with local credit unions, specifically Renfrewshire-Wide Credit Union.

RWCU’S Marketing Officer, Paula Ferrier, said: “We are delighted that UWS has won this award; Kellie and the funding team are so committed and forward thinking with their students. They address every aspect of their students’ financial wellbeing: both the students’ immediate needs and their longer term needs. This holistic approach fits in with the philosophy of the credit union movement – people helping people. It is great to see a university like UWS acknowledge the great work that credit unions do. Our aim at Renfrewshire-Wide Credit Union has always been to promote ethical, affordable financial choices and provide our members with a community-based alternative to the poor deals offered elsewhere.”

Kellie McAlonan, UWS Student Funding Team Leader, said: “We are absolutely thrilled to have received this recognition from our peers and look forward to continuing to deliver projects that support the development and experience of our students during their time at UWS.”

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RENFREWSHIRE-WIDE CREDIT UNION CELEBRATES 10 YEARS OF ‘PEOPLE HELPING PEOPLE’

RWCU - Master Logo Mock UP NEW COLOURS

Renfrewshire-Wide Credit Union is extending an invitation to the Friday 15th July public unveiling of a specially commissioned community artwork, to celebrate the credit union’s 10-year anniversary of their people helping people commitment and their proud support for the Paisley 2021 City of Culture bid.

RWCU - Master Logo Mock UP NEW COLOURSRWCU’s Manager, Karen Graham, said: “In 2006 a group of volunteers from different local areas 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 our 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 RWCU Cash Cubs program.

“To mark the occasion and in support of the Paisley 2021 City of Culture Bid, we commissioned up-and-coming local artist Ross Dinnett to paint a mural. The mural captures the hopes and lifestyle aspirations of the members we serve, helping them to achieve their dream wedding, holidays or a new car, but also helping them through tough times such as loans for an unexpected bill or the passing of a loved one incurring unplanned funeral costs.

 

Ross Dinnett

Ross Dinnett

“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.

“Some of the original volunteers who worked hard to bring Renfrewshire-Wide Credit Union to the people of Renfrewshire continue to volunteer week after week. In fact two of our volunteers, Betty Anderson and Margaret Gourlay, recently received the Provost Award for Voluntary service having clocked up over 60 years of service to the community of Renfrewshire. Their dedication really brings the idea alive that ‘together we can achieve greatness’.

“Our 10-year anniversary is a great example of what can be achieved by ‘People helping People’. We look forward over the next 10 years to helping the people of Renfrewshire make the most of our fantastic savings and loans, enjoying our new mural and hopefully seeing a bit of themselves in our vibrant new artwork.”

 

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Super Summer Special – Renfrewshire-Wide Credit Union

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Looking to book a holiday in the sun?

 

For a limited time Renfrewshire-Wide Credit Union is offering members a summer special. The loan is available to new and existing members and is up to the value of £1,500 over 12 months. The loan is available from 1st June 2016 until the 31st of August 2016. 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.

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T&Cs:

Total loan amounts cannot exceed £5,000. There must be no arrears on your account. All loans will be credit checked. 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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Cash Cub Launch Arkleston Primary School

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Renfrewshire-Wide Credit Union is re-launching their primary school saving clubs under the new name of ‘Cash Cubs’. Cash Cubs is a new initiative building on the successful school saving clubs 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 Cub 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.

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Alison Dowling launched the original RWCU school credit union project and is now rolling out Cash Cubs across Renfrewshire. Alison said, “We’re delighted to officially launch Cash Cubs in Arkleston primary school. We’re also looking forward to launching in other schools, and bringing the fun and excitement of Cash Cubs to more of our budding savers across Renfrewshire Schools. Cash Cubs will help children to save up money and learn lots of essential life skills along the way, while building up a savings habit that we hope will last a lifetime.”

RWCU - Master Logo Mock UP NEW COLOURSAlison added “Renfrewshire-Wide Credit Union has benefitted massively from Renfrewshire Council’s Credit Union Development Fund. It has enabled us to bring Cash Cubs to our credit union to revitalise the essential financial education work we undertake in partnership with Renfrewshire primary schools. We have more exciting plans in the pipeline that the fund has helped bring to life, so we give a big thank you to Leader of the Council Mark MacMillan and the council team for getting behind us to help the people of Renfrewshire”.

For further information on the Renfrewshire-Wide Credit Union please contact Louise Houston, RWCU on T: 0141 889 3111 or louise@rwcu.co.uk

Web: www.rwcu.co.uk

Facebook – Renfrewshire-Wide Credit Union

Twitter – @RWCREDITUNION

 

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Renfrewshire Wide Credit Union Cash Cub Launch St James’ Renfrew

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The latest launch of Cash Cubs has taken place in St.James’ Primary School, Renfrew. Cash Cubs is a fun re-launch of Renfrewshire-Wide Credit Union’s school savings club. Bringing the concept bang up to date with the addition of the fresh and exciting Cash Cub 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.

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Alison Dowling is rolling out Cash Cubs across Renfrewshire primary schools. Alison said, “St. James’ primary school Head, Margaret Convery, has a long tradition of supporting our school savings club so I’m delighted that we have joined forces again with Cash Cubs. The staff and pupils have worked hard to bring Cash Cubs to the school, particularly teacher Mrs. Ruddy, our school credit union champion, and the parent helpers who will support primary 6 and 7 pupils in running their Cash Cubs collection every week in the school. We’ve had a fantastic launch day here in St. James’ with our special guest Cllr Bill Brown, and we can’t wait to harness the enthusiasm of the youngsters in the months to come. In fact, Cash Cubs helps budding savers to build up a savings habit that we hope will last a lifetime.”

Councillor Bill Brown said: “Cash Cubs is a fantastic initiative that’s being funded from the council’s £200,000 credit union development investment, and I was delighted to attend the St James Primary School launch of the initiative. It’s important to encourage children to develop good saving habits and forge early links with credit unions as this can have lasting benefits. Renfrewshire Wide Credit Union plays an important role in the community.”

For further information on the Renfrewshire-Wide Credit Union please contact Alison Dowling, RWCU Project Coordinator on M: 07436530428 T: 0141 889 3111