Monthly Members Update - September 2025

,
Festive Fun Without the Financial Fallout

Christmas is coming around fast. Bluey, Barbie and Wicked are already topping everyone’s wish list.

Buy Now, Pay Later schemes “can easily lead to unaffordable debt”. While they can feel tempting, using them often means more worry in January than joy in December, as the repayments start to pile in after Christmas morning.

That's where Penny Post comes in...

Say goodbye to those post-Christmas regrets, and discover how Penny Post offers affordable loans with clear manageable repayment plans, so you can keep the magic without the stress.

Stay Ahead of the October Price Hike

It’s no secret that energy costs have been tough on households in recent years, and bills are set to rise again from 1st October 2025.

The energy price cap is rising by 2%, which will squeeze 2/3 of household budgets a little bit further.

Remember, Penny Post is here to help.
Our Wellbeing Hub is packed full of budget friendly hacks to help you slash household bills and keep more cash in your pocket.

For many of our members, Penny Post loans have been a real lifeline when it comes to making their homes warmer and more energy-efficient. If you’re thinking about upgrading your insulation, adding double glazing, fitting a new boiler, or even installing a heat pump, we’re here to help make it affordable.

Stay Ahead of the October Price Hike

Your voice. Our Future.

We’re launching a Member Focus Panel to help shape the future of our credit union.
If you care about your community, your finances, and your credit union — we want to hear from you.

We’re looking for members who can meet online 2 -3 times a year, and share their experiences with the credit union.

Interested and want more information? ⬇️

Your voice. Our Future.

3 Tips to Improve Your Credit Score

Your credit score affects loans, mortgages, and insurance rates—so keeping it healthy matters. Here’s how:

1. Check Your Info – Make sure your report is accurate and you’re on the electoral roll. Correct any mistakes promptly.
2. Build Credit History – Use a small credit card or personal loan responsibly. Repay on time to show lenders you’re trustworthy.
3. Pay On Time – Late payments hurt your score. Aim to keep balances well below your credit limit.

Top tip - Our loans can help you borrow responsibly while building your credit.

3 Simple Ways to Boost your Credit Score

You Could Win £5,000
Every Month

Saving feels good! Winning feels great!

You could win £5,000 every month just by saving with Penny Post. Every £1 in your PrizeSaver account, up to £200, enters you into the monthly prize draw to win £5,000! (£1 is equivalent to 1 entry).

So far, our members have taken home more than £23,000 in cash prizes.

PrizeSaver is free to take part in, your savings continue to receive a dividend* and you can withdraw your savings whenever you need to. Just keep £1 in your account to be in with a chance of winning.

It's a no brainer - you have to be in it to win it!

Open a PrizeSaver Account Now