Smart Money Cymru Credit Union provides straightforward, affordable financial services to anyone living or working in Caerphilly, Blaenau Gwent and Newport
What is a Credit Union?
A credit union is a financial co-operative owned and controlled by its members. We offer a friendly, convenient and secure place to save your money, with access to low cost, ethical loans. Each member of Smart Money Cymru makes regular payments into their savings account - this fund then provides the basis for preferential rate loans.
The income generated by lending helps us meet our operating expenses, build our reserves and pay our savers competitive dividends.
Our savings usually offer a dividend rate rather than an interest rate. This means that the better we've done, the more we can give back!