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About Us

Smart Money Cymru Credit Union provides straightforward, affordable financial services to anyone living or working in Caerphilly, Blaenau Gwent and Newport

What is a Credit Union?

A credit union is a financial co-operative owned and controlled by its members. We offer a friendly, convenient and secure place to save your money, with access to low cost, ethical loans. Each member of Smart Money Cymru makes regular payments into their savings account - this fund then provides the basis for preferential rate loans.

The income generated by lending helps us meet our operating expenses, build our reserves and pay our savers competitive dividends.

Our savings usually offer a dividend rate rather than an interest rate. This means that the better we've done, the more we can give back!

Value for money

You could save yourself a substantial amount of money by choosing a loan with us! Unlike the loans offered by many other lenders, you will not be subject to any hidden charges and will benefit from built-in life assurance on your savings and loans*. 

Why join a credit union?

Membership of Smart Money Cymru will provide you with access to a range of financial services, including low cost loans, the Engage current account and secure savings. 

Be safe in the knowledge that by becoming a Smart Money Cymru member, you are supporting your local community and are joining a worldwide movement that puts people before profit.

Happy family

*Terms and conditions apply

People Before Profit

"Unlike many other financial organisations, Credit Unions exist to serve their members and do not seek to make a profit out of them.  Smart Money Cymru provides straight forward, affordable financial services to people who live within our common bond area."


 This video was made by film star Michael Sheen OBE to highlight the benefit of using credit unions





Smart Money Cymru Credit Union Ltd, 64-66 Cardiff Road Caerphilly CF83 1JQ Telephone 029 2088 3751
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority 213370, FCA register no: 163C.

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