Plaid Cymru Credit Union


Savings                Loans               Ethical                Friendly

Ty'r Cymry,

11 Gordon Road,

Caerdydd, CF24 3AJ

T: 029 2049 1888   

We are open:  

Tuesday & Friday

10:00am - 2:00pm

E-mail address is or and the website can be accessed at

Regular updates are now posted on the site and all forms can be downloaded from the site.





News Archive



Who’s who?

Loan Repayments

Examples of repayments and interest charges

The maximum loan is £5,000 [subject to status]. The maximum repayment period is 36 months. Loans are insured against the death of borrowers under 80 years. First loans are usually up to £2,000.

Registered office: Ty'r Cymry, 11 Gordon Road, Cardiff, CF24 3AJ

Y tudalen hon yn Gymraeg


Advantages of credit union loans

When you borrow from a credit union you do so as a member-owner. Credit union loans are available to members to help when a need exists.

Loan rates are cheaper than bank credit card or department store card rates.

How much will it cost?

With a credit union you pay only one rate of interest. It’s 1% on the reducing balance of the loan. While the APR is 12.68% a year this works out at £6.56 interest on £100.00 over 12 months. There are no loan arrangement fees or early redemption loans should you wish to repay your loan earlier than planned.

How much can I apply to borrow?

The loan maximum is £5,000 [subject to status] and the maximum repayment period 36 months. Borrowers must have a minimum of £50 in shares and have been members of UCPCCU for 3 months.

How do I repay my loan?

By a monthly banker’s order. All borrowers are expected to save while repaying their loan. Remember regular repayments give you’re a free loan life insurance cover.

How do I apply for a loan?

Loan application forms and loan agreement forms are available from the office or may be downloaded from the links on the ‘Forms’ page.

In order to apply for a loan you must send completed Loan Application, Loan Agreement and Bankers Order forms.

The Credit Committee processes loans every week.