About Us

LCCU is a financial co-operative which is owned and controlled by its members. Established in 1991, LCCU changed its name and common bond in 2018, to allow all those living and/or working in the City of Liverpool to become members. Our mission is to empower people to change their lives through the provision of quality financial products and services to our field of membership.


LCCU is governed by a board of directors who are elected by the membership at its AGM. All directors and senior managers are approved by the Prudential Regulation Authority & Financial Conduct Authority to ensure they are both competent and committed and will act with transparency & integrity in complying with regulatory and prudential standards. LCCU’s board meet the financial reporting rules and requirements for good governance set by the PRA & FCA and they comply with all law, standards rules, operating principles and other regulations applicable to credit unions.

LCCU in common with all UK Credit Unions is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA).

Our firm reference number (FRN) is 213404

Our Values

LCCU are firmly rooted in the heart of the community and its values are core to its working practices. LCCU is committed to providing ethical and inclusive financial products for the community it serves. We strive to provide our members with an excellent, fair and transparent service in a friendly professional manner.

LCCU is a ‘not for profit’ organisation. Surplus generated is returned to members by way of a dividend or to improve or provide additional services required by members.

Financial Ombudsman Service

We are also part of the Financial Ombudsman Service and are required to maintain a written complaint handling policy and procedures.   A copy of this is available on request.

Liverpool Community Credit Union is authorised by the Prudential Regulation Authority & regulated by the Financial Conduct Authority & the Prudential Regulation Authority. FRN: 213404