About us


Established and based in Enfield since 1994, United Overseas Credit Union (UOCU) is a not-for-profit financial co-operative, run on behalf of its members by a small team of paid staff and volunteers, who all live in the North London area.

We offer a variety of fair loans and secure savings products for our members.

We also run free and simple payroll deduction schemes to give your employees access to all our products, as well as savings clubs for groups and schools.

Fair, Ethical and Secure

We promote sound financial management by lending responsibly and encouraging our members to save.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.  We are covered by the Financial Services Compensation Scheme (FSCS).  We are a member of the Association of British Credit Unions (ABCUL), the UK trade body for credit unions.

We have an independent Board, elected at our Annual General Meetings (AGMs), at which we discuss our activities over the last year and give our members the opportunity ask questions of the Board and Supervisory Committee.

Who Can Join?

Individuals: membership is free and open to individuals who live or work in the boroughs of Enfield, Barnet, Haringey, Waltham Forest and south Hertfordshire.

Businesses: if you’re outside south Hertfordshire or the boroughs of Barnet, Enfield, Haringey and Waltham Forest, but would like access to fair finance, you can join through the London Enterprise Club, which currently costs a one-off fee of just £35.  There are no set-up fees for loans or other charges, even for early repayment.

Employers: you can offer our great savings, loans and financial awareness if you have at least one premises in the boroughs of Haringey, Enfield, Barnet, Waltham Forest, or in parts of Hertfordshire.  We can then extend membership to other sites, if requested or refer you to other credit unions in those areas.

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