Latest News

27 Dec 2025

Take Control of Post-Christmas Spending

Feeling post-Christmas debt stress? Consolidate multiple debts into one affordable payment with Gateway Credit Union. Reduce interest, ease stress, and even build savings! Take control of your finances today.

16 Dec 2025

Important Membership Highlights

Gateway Credit Union's Terms & Conditions (28 Nov 2025) detail eligibility, savings limits £30,000, fees, and schemes. Key points include the £5 minimum savings, annual fees, and the Benevolent Scheme requiring 3 years of continuous savings. Full document available to download.

15 Dec 2025

Get Festive with the Gateway Credit Union Christmas Quiz!

To add a little extra cheer to your festive season, the team at Gateway Credit Union has put together a fun, downloadable Christmas Quiz!

11 Dec 2025

Take Control: Our support helping you with direct payments

GCU asks members to get benefits/pensions paid into their bank account for instant access & greater control. Help us streamline! Keep saving via Standing Order or direct cash deposits.

11 Dec 2025

Stop Loan Sharks: Protect Your Finances This Christmas

Stop loan sharks in Wales. Spot red flags & get confidential help from the Wales IMLT. Use your credit union for safe loans. Don't suffer in silence.

10 Dec 2025

Stop Scammers in Their Tracks: Your Guide to Online Safety

Learn how to spot online scammers and protect your Gateway Credit Union accounts. Discover what we will never ask for, and get essential tips to avoid phishing, urgent calls, and financial fraud.

09 Dec 2025

Navigate the Festive Season Without Financial Stress

Holiday financial stress, cost-of-living Christmas, saving money holidays, festive season budget.

01 Dec 2025

Greater Peace of Mind: FSCS Deposit Protection Limit Rises to £120,000

Protect your savings! From Dec 1, 2025, the FSCS deposit protection limit rises to £120,000 at UK-authorised providers like Gateway Credit Union. Get peace of mind with enhanced financial security.

01 Dec 2025

GCU - Newsletters

Get the latest Gateway Credit Union news, updates, and financial tips! Stay informed about special offers, community events, and helpful resources with our free monthly eNewsletter. Subscribe today!

29 Nov 2025

Borrow with Purpose: Making Every Pound Count

Unlock financial stability with Gateway Credit Union. Borrow with purpose for home upgrades, consolidation, or essentials. We offer responsible, community-focused loans to help you move forward.

Secured Loan

Borrow against your savings with a secured loan.

If you want to keep your savings untouched, take a loan instead. Secured loans between £500 and £10,000 are available over anything between a few weeks and 5 years at a flat rate of 0.5% interest (6.2%APR).

Preserve the insurance on your savings and get free life insurance cover on loans taken out before your 70th birthday.

Loan application process

  1. Be a Member with shares
    You must be an existing Member with shares in the credit union to apply for the Secured Loan
  2. Login to Online Banking
    Login to or register for Online Banking to access the online Loan Application
  3. Apply for loan online
    Complete your application with the relevant attached documentation
  4. Sit back and relax!
    We will get back to you within 2 working days with our decision
Who can apply for a Secured Loan?

Who can apply for a Secured Loan?

Members of Gateway Credit Union with savings in their account can apply for the Secured Against Savings Loan. By securing against your savings you can borrow from £500-£10,000 and benefit from our lowest rate of 3.7% APR.