Frequently Asked Questions
Below are some of the questions we get asked a lot. Please have a look through before getting in touch.
Open Banking
Savings
What is a dividend?
What is AER?
How can I withdraw money?
Are my savings protected?
How do I pay into my account?
How do I open a Child Saver?
How much can you put into a Cash ISA?
Personal Loans
What can I use a personal loan for?
Do you carry out a credit check?
How do I apply for a loan?
I have bad credit - can I apply?
How much can I borrow?
Can I pay off my loan early?
Family Finance Plan
What happens to my Child Benefit?
How often can I draw down?
How does it work?
How long does it take to set up a Family Finance Plan?
Do I need to provide proof that I'm in receipt of Child Benefit?
What if I cannot afford my repayments or I miss a payment?
How do I make repayments if I stop receiving Child Benefit?
How do I cancel my Family Finance Plan?
What are my repayments?
Do you carry out a credit check?
General
I'm an existing member - how do I access the Member Portal?
Financial Services Compensation scheme
How do I take money out of my GWCU account?
How do I view my transactions?
How do I upload my ID documents?
Membership
Why do I need to become a member to apply?
I'm an existing member - how do I access the Member Portal?
Flex@Work
Am I eligible to apply?
How much credit can I get?
How often must I make repayments?
How quickly will I receive a decision on my application?
How much will my repayments be?
Can I make extra payments?
Can I apply for Flex@Work if I already have a loan with you?
Do I need to provide proof of my employer?
Do you carry out a credit check for Flex@Work?
When do my repayments start?
What interest do I pay?
How is interest applied?
How often can I borrow?
What’s the minimum withdrawal I can make?
How can I check my balance?
What if I cannot afford my repayments or miss a payment?
What happens if I want to close my Flex@Work account?
What happens if I leave my employer?
Loans@Work
What is Money@Work?
Can I apply for a loan if I don't work for a Money@Work partner?
What happens if I leave my employer?
How can my employer sign up?
Savings@Work
Engage Card
Does it cost me anything?
How do I add money to my account?
What other services do you offer?
Is Engage a Great Western Credit Union product?
Rent Direct
How do I find out if my landlord is part of the scheme?
Does it cost me anything?
How do I access the rest of my Universal Credit?
What other services do you offer?
Solar Loan
Can I apply for more than the cost of my solar installation?
Can I borrow for more than one property?
I have some spare cash, can I pay part of the cost myself?
How do I choose and installer?
Member Portal
Personal Loan
A loan that works for you – with fair interest rates, affordable repayments and no hidden charges.
Easy Saver
This simple savings account makes it easy to put your spare money aside for the things that make life better.
Family Finance Plan
A flexible way to borrow using your Child Benefit, with a pre-approved credit limit of £500.
