Ethical savings and loans, and financial education to help you build a brighter future.
Better together, stronger together.
Your deposits with Cheshire Community Bank are FSCS protected up to £120,000 per customer.
Local banking with people at its heart
Supporting communities across Cheshire and Flintshire with ethical savings, affordable loans, and a fairer approach to finance. We believe banking should feel personal, supportive, and straightforward, with friendly local service and products designed to help our members thrive.
Why choose us?
We are here to help you move forward at your pace, in a way that feels right. Our decisions are careful, responsible and designed to help you, not pressure you.
Fair, thoughtful decisions
Responsible support built around real circumstances.
Real people, real support
You are not just a number to us.
Built for community
Saving or borrowing helps support local people too.
Safe and responsible
No hidden surprises. Just fair financial support.
Loans
Looking for a loan?
We provide loans from £50 to £3000. See your personalised loan rates in just 3 minutes so you know exactly what you could get. Checking your rates won't affect your credit score.
Fair borrowing
Affordable lending designed around members.
Quick quote
See indicative repayments in just a few steps.
No hidden fees
Straightforward borrowing with clear costs.
I would like to borrow
Term
APR
Monthly Cost
Representative example A loan of £1,000 over 12 months would cost approximately £103.79 per month at a representative 42.6% APR. The total amount repayable would be approximately £1245.46, including approximately £245.46 in interest.
Savings Accounts
Opening a savings account with Cheshire Community Bank is a simple way to build good financial habits and work towards your goals. Whether you are saving for peace of mind, future plans or unexpected costs, we help make saving feel straightforward, secure and achievable.
Save regularly
Build savings in a way that works for you.
Simple to manage
A straightforward account with local support.
Future focused
Save for plans, goals and peace of mind.
Our Products
We offer affordable products that help members borrow responsibly, save with confidence and build stronger financial habits at every stage of life.
Explore All Products
Affordable borrowing with flexible repayments and no hidden fees.
Learn moreSave regularly and build your future with confidence and security.
Learn more
Manage money easily through salary deductions and convenient loan options.
Learn more
Spread the cost of school essentials with an affordable loan option.
Learn more5,000+ membersacross Cheshire and Flintshire
Profits stay localreinvesting in our community
Financial educationfree support to help confident choices
Rated by members★★★★★
FAQ
A few common questions about loan decisions, affordability checks, and how our member services currently work.
Once you have submitted your application, we may ask for a few supporting documents to help us process your request. If additional information is needed, our team will contact you directly. Once we have received everything required, you will usually receive a decision within 24 hours.
All loan applications are carefully assessed based on a number of factors, including affordability, credit history, and your financial circumstances. We may also use information from credit reference agencies and open banking services to help us make responsible lending decisions. Unfortunately, we are not always able to provide specific details relating to individual applications.
At the moment, we do not offer debit cards to our members. However, we are always looking at ways to improve and expand our services in the future.
Our partners
The work of Cheshire Community Bank is supported by a number of trusted partners who help us deliver services and support to our local community.
Join Cheshire Community Bank for ethical savings, affordable borrowing and local support from people who take time to understand.
