B&M Babbage: welcome to your community credit union
Financial support that’s local, ethical, and built around you.
We’re proud to partner with B&M Babbage to bring safe, affordable financial services to people across the region.
Make Christmas more manageable with simple, stress‑free saving.
Through our partnership, employees can build a Christmas savings pot directly from their salary: small, regular amounts that add up over time.
It’s an easy, secure way to prepare for the festive season, helping people avoid high‑cost credit and enjoy a more affordable, relaxed Christmas.
Click through to learn how the Christmas Saver works and how to get started.
A partnership built around people, not profit
Together, we aim to:
-
Provide access to fair alternatives to high-cost credit
-
Encourage safe, manageable saving, even in small amounts
-
Offer a supportive, respectful route into financial services
-
Help people feel more confident about money over time
You don’t need a perfect credit history, and you don’t need to save large amounts to get started.
Is a credit union like a bank?
Doing things differently for our members
✕ Banks spend their profits on bonuses and advertising
✕ Banks charge loan customers as much interest as possible
✕ Banks make decisions to please shareholders
✕ Banks say “no” to people unless they have good credit
✔ GWCU shares profits with members and the local community
✔ GWCU makes loan interest rates fair and affordable
✔ GWCU prioritises our members and what they need
✔ GWCU tries to help members, even if they have poor credit
What is a credit union?
More ethical than traditional banks
A credit union is a financial organisation, originally created in the 1850's. Credit unions support a particular group of people to manage their money. The group might belong to a type of job, or a location.
GWCU members all live or work in the South and West counties of England. This includes Bristol, Bath, Gloucestershire, Wiltshire, Somerset, and Dorset.
Because we’re “united” in a credit union, we all help each other. Savers and borrowers create a reserve of money which benefits everyone. Members get fair, competitive interest rates on savings and loans. GWCU reinvests any profits back into the credit union to share with members and the local community.
Keeping your money safe
When you save or borrow with GWCU, your money is:
Working for our members
Our friendly Member Engagement Team live and work in our communities. They're specially trained and ready to help you.