• Secure savings with access when you need them
  • Fair and affordable loans
  • Excellent customer service
  • Lots of ways to access your account
  • Supporting your community


Payroll deduction with Hoot Credit Union is a convenient and efficient way for you to save money. Monthly deductions are made directly from salary payments and transferred to your Hoot savings accounts.


Hundreds of Trust employees save with Hoot Credit Union through payroll and benefit from accessible savings and affordable loans. Many payroll members say that having a credit union account encourages them to resist the temptation to dip into savings thus saving more in the long run. The ability to save and repay loans by payroll deduction means many are less likely to miss payments and get into unmanageable debt.

Enjoy the benefits of joining Hoot Credit Union


Just so long as you are employed by Greater Manchester Mental Health NHS Trust you can enjoy the benefits of joining Hoot Credit Union.


Whether you are a saver or a borrower you can be assured of a good deal, excellent service and the knowledge that you are helping others in your community to access fair and affordable finance. We only lend money to our members who live or work in Bolton and Bury. That means that the money stays at the heart of the community and benefits everyone.



Hoot Credit Union provides affordable loans ranging from £200 to £15,000 starting from 12.7%  APR, subject to status.


One of the features of our loans is that our members only pay interest on the reducing balance. This means that we only charge you interest on how much you have left to pay, not on how much you borrowed in the first place.


In the long run you simply pay less – and we won’t charge you a penny for paying your loan back early!


You can also have peace of mind with our personal loans which have gained a 5 Star rating awarded by the Fairbanking Foundation.  To find out what the ratings mean for you, click on one of our personal loan products below and check out our product features.



  • When you join Hoot we will help you arrange for payroll deductions form your employer. They will tell us how much you putting into your Hoot account and that will show on your payslip as Credit Union.Your funds are usually sent to your Hoot account on your usual payday.


    If you already have payroll deduction in place and want to change the amount you pay email enquiries@wisewithmoney.org.uk to request an electronic amendment form.

    oll amendment form

Member of ABCUL

Member of Credit Unions for Greater Manchester

Authorised and Regulated by

Your money is protected up to £85,000