Joining Forces Credit Union Services

Joining Forces Credit Union Services is a Ministry of Defence initiative that allows you to save through deduction from your MoD payroll or pension.

About Joining Forces Credit Union Services

Credit unions provide a not-for-profit option to help you save money and borrow responsibly throughout your service career and beyond.

They can provide:

  • easy access savings
  • personal loans
  • deductions from your salary or pension

Joining Forces is a Ministry of Defence initiative that works with 3 credit unions to provide serving and former armed forces personnel with payroll or pension deduction facilities.

The 3 credit unions in the scheme are:

  • Serve & Protect
  • First Defence Finance
  • Forces Finance

Just choose the credit union that’s right for you – whether you want to save with just one, two or even all three.

Get in touch with Joining Forces Union Services

Updates to this page

Published 14 April 2025