'Not for profit organisation'                                                       'An alternative to banks & building societies'                                                       'Secure savings & affordable loans'                                                       'Attractive dividends'                                                       'The Credit Union Prepaid Card'                                                       'Save via payroll deduction'                                                       'Car loans 10% APR'                                                       'ISA rate 1.5%'                                                       'Latest Dividend 1.5%'                                                       'Check your balance via text'

Adult Savings

Everyone benefits from regular saving…..

 

Saving always made sense. In the current economic climate it makes even more sense. With Castle and Crystal you can save as little or as much as you like, as regularly as you like. This can be done in the knowledge that all savings are absolutely safe. We do not borrow to lend and only lend to our members.

  

There are several types of savings accounts you can benefit from which are listed below. We offer a TAX FREE Cash ISA and Junior Savings Accounts. More information can be found on these products from the navigation bar to the left of this page.

 

Regular Saver Accounts  

 

Saving for a rainy day has never been so important ….

 

A useful way of setting up a savings account, which can be dipped into as and when needed, whether it’s for a new pair of school shoes, a birthday present or car repairs. If you have a loan with us, this account will be used to deduct your loan repayment. The key features of this account are:

·          Instant Access

·          Unlimited withdrawals

·          Minimum balance of £1

·          Annual Dividend - Most recently announced at 1.5% for 2010-2011 

 

Christmas Savings Accounts  

 

A great way to save up for Christmas, by paying a little each week, funds are set aside for when they are most needed so it doesn’t feel like Christmas has crept up on you. Withdrawals are restricted on our Christmas accounts. This is to prevent the temptation of dipping into it in advance of the festivities.  The Key features of this account are:

·          Unlimited Withdrawals only allowed between 1st October and 31st January

·          Minimum balance of £1

·          Annual Dividend - currently 1.5% but dependent on the surplus

 

Example: Save as little as £2 per week over 50 weeks and have as much as £100 saved in time for Christmas.

Start thinking about this sooner rather than later

 

Holiday Savings Accounts  

 

You can build up enough money over the year to pay for a well-earned holiday or use it for spending money. A withdrawal can be made at any time. The key features of this account are:

·          Instant Access

·          Minimum balance of £1

·          Unlimited Withdrawals

·          Annual Dividend - currently 1.5% but dependent on the surplus

  

How can I Save?

 

·          Cash

·          Cheques (payable to the member or Castle & Crystal)

·          Postal Orders

·          Standing Orders or Internet Banking Transfers

·          Payroll Deduction – If employed by Dudley Council, Dudley College, Dudley Group of Hospitals, CHADD, Dudley PCT and Interserve

·          Benefits – You can also have any type of benefit paid into your account

 

How can I withdraw my savings ?

 

Bacs Payments - funds can be sent directly to a bank account of your choice (introduction of faster payments means payments take approx 24-48 hours to reach designated bank account)

 

Credit Union Prepaid Card - No need to visit to withdraw your funds...the prepaid card offers remote access to your savings. Load funds onto your card the same day.

 

Cheques -Can be made payable to yourself or any other third party

 

Cash - Available to withdraw from our head office in Dudley (£250 daily limit)

 

Benefits of Saving with Castle & Crystal

 

·          Enjoy saving with a not-for profit financial co-operative

·          Confidentiality respected at all times

·          Save as little or as much as you can afford

·          No hidden charges or fees on any transactions

·          Depending on reserves, shares with us are eligible for an annual dividend

 

Not sure which account is right for you ?

 

If you are unsure which of these accounts will suit you why not give our office a call on 01384 815771. All the services we provide are supported by the excellent services of dedicated, well-trained staff and volunteers so you can be sure of a pleasant, hassle free service