Our members who attended our Annual General Meeting this month voted to approve the dividend, which will see £3.1 million distributed to savers, alongside a 4% loan interest rebate totalling £364,000 for borrowers who have maintained their repayment terms throughout 2025.
Our Chief Executive, Matt Goulding, said: "The 4% dividend demonstrates our financial strength and our commitment to the co-operative principle of sharing success with members. What sets credit unions apart is this simple idea – when we do well, our members do well. There are no external shareholders taking profits out of the business. Everything we earn goes back to the people who use our services or gets reinvested in supporting our communities."
The 4% dividend applies to our instant access savings accounts. Borrowers who maintained their loan repayments throughout the year will receive a 4% rebate on the interest they paid – a distinctive feature of our model that rewards financial responsibility.
"We're one of the few lenders who actively reward people for keeping up with their commitments," Matt explained. "The loan rebate means members benefit whether they're saving or borrowing with us. It's about building long-term relationships and supporting people's financial wellbeing, not just processing transactions."
Our AGM, attended by over 300 members, reflected on a year that saw significant milestones across the organisation. Our membership surpassed 41,000 for the first time – one of the strongest periods of expansion in recent years.
Beyond financial returns, 2025 saw us deepen its community impact. The Community Fund distributed over £44,000 to local causes, supporting everything from school libraries to food hubs and grassroots charities. Baby Basics Northampton, our Charity of the Year for 2025, received substantial backing to help vulnerable families across the county.
The year also marked a significant expansion in our corporate partnerships programme. New agreements with employers including Transpennine Route Upgrade, WHA Healthcare, and Trilogy Active have extended financial wellbeing support to workforces across the UK, offering employees access to ethical savings, affordable loans, and financial education.
"Our partnerships are about more than just providing financial products," said Matt. "We're working with employers who genuinely care about their people's wellbeing and want to offer them alternatives to high-cost credit and support to build financial resilience."
Another 2025 highlight was our 'You Are More Than Your Credit Score' campaign, which was promoted across radio, digital platforms, and Northamptonshire buses.
Matt concluded: "Credit unions exist for moments like these – when people need financial support that's fair, transparent, and designed with their interests at heart. The vote of confidence from our members at the AGM gives us a clear mandate to keep growing, keep innovating, and keep putting people before profit."
As a member-owned financial co-operative, we operate differently to traditional banks. Our members are both customers and owners, meaning profits are shared through dividends and loan rebates rather than paid to external shareholders. This structure allows us to offer competitive rates whilst maintaining its commitment to responsible lending and community investment.
The next dividend payment is due in January 2027, following the 2026 AGM
