RPOAS members are eligible for membership of the Scottish Police Credit Union
Established in 1989 to help support the financial wellbeing of the Police Family in Scotland, the SPCU offers a range of savings and borrowing services to its members.
The SPCU is a member owned co-operative consisting of currently serving and retired police officers and staff from Police Scotland, BTP and their families, including kids accounts. It also provide services for their supporting partners and other public safety organisations including a limited number from the Scottish Crime Campus at Gartcosh! Whether saving with the SPCU or repaying a loan, the SPCU can set up a monthly Direct Debit with a choice of four payment dates to suit you.
December 2025
For SPCU members information, from 1st December 2025, the Financial Services Compensation Scheme (FSCS) now covers savings in institutions up to £120k per eligible person. Be aware that if you have in excess of this saved with institutions who operate multiple brands under the same licence as this would dilute the coverage (e.g. NatWest – RBS, Royal Ulster, Sainsburys, AA).
Savings with SPCU have additional life coverage up to £1,000 at no extra cost* – full details around this and all SPCU products/services can be found on their website.
April 2025
The SPCU has some exciting news to share with you! Over the past few months the team have been hard at work in establishing a new, bespoke, and confidential welfare service for the police family. We’re proud to announce our partnership with the Scottish Police Federation (SPF) and Citizen’s Advice Bureau (CAB) in bringing you the free, confidential, impartial, and independent Specialist Money Advice Service👏
The Specialist Money Advice Service (which will be referred to as The Advice Service) is more than just a way to help you navigate the difficulties of dealing with debt.
The team at CAB can help you maximise your income, making sure that you are receiving any grants or benefits that may be available to you. CAB will also be able to support you should you be facing financial difficulty due to circumstances other than debt.
Anyone that is part of the following can access this service by either referral through SPCU or SPF, or by self referral.
– SPCU Members
– SPF Members
– Serving Police Officers/Staff based in Scotland
– Retired Police Officers/Staff
There is no age limit on who can access The Advice Service. You can access this bespoke service by contacting the following:
Scottish Police Credit Union Ltd
Tel: 0141 771 1314
Email: customer.care@scottishpolicecu.co.uk
Motherwell & Wishaw Citizen’s Advice Bureau
Tel: 07741 735 422
Email: SPCU@MotherwellCAB.casonline.org.uk
Scottish Police Federation members can also contact SPCU for referral.
The service provided by CAB is independent of Scottish Police Credit Union and/or Scottish Police Federation and any personal data provided by the individual to CAB remains strictly confidential and is processed in accordance with (UK) GDPR and the Data protection Act 2018.
CAB will not share any information provided by the individual in the provision of the service with Scottish Police Credit Union, Scottish Police Federation or employer, including but not limited to Police Scotland.
Any complaints with the delivery of the Specialist Money Advice Service should be made to CAB.
Many advertisements promise quick fixes for debt, suggesting that debts can be easily ‘written off‘ or ‘reduced‘. While this is possible in certain situations, it’s crucial to understand that these solutions come with specific conditions and potential risks particularly in relation to your credit score and any future borrowing.
Quick fixes are not always in your best interest.
Incorrect advice or ill-informed decisions can lead to further financial complications. Seeking impartial and independent advice is vital before committing to any debt management strategy.
The SPCU is pleased to also share with you that they have launched a new SPCU Support and Wellbeing page on their website, designed to provide you with valuable resources and information.
You can find guidance on financial wellbeing, bereavement, budgeting hints and tips, and much more. The SPCU understands that some SPCU members may need a bit of extra support, and they’re here to help.
Visit the ‘members services’ page of the SPCU website by clicking here.