Make Your Money Work For You

Posted on Sep 18, 2025

At Penny Post Credit Union, we know you work hard throughout the year, and we’re here to help you make the most of your money after the newly agreed pay rise at Royal Mail.

It’s rare we have a little extra at the end of the month but, whether it’s from a bonus, tax return, or a pay rise, it’s important that you make your money work for you!

Read more about Rebuilding Royal Mail – Part Two here.

Penny Post is a great place to save those extra pounds!

Built especially for Royal Mail Group employees, CWU and Unite members, and their families, more than 20,000 members are already saving with Penny Post and reaping the benefits.

• Saving made simple
  Save each payday straight from your pay or by hassle-free Direct Debit. Regular savings quickly add up, so when you’re ready for that family holiday, new car, or a home project, your money is waiting for you.
  
• Borrow when you need to
  Choose to put some of your savings into your Penny Post Membership Savings, you’ll open the door to affordable loans at great rates. With our Advantage Loan, you could borrow up to 5x your savings, and the repayments are often cheaper than credit cards.
  
• Owned by you
  As a credit union, we’re member-owned. That means you have a voice in how we run things. Plus, our members receive an annual dividend* — and in the last 3 years alone, we’ve returned over £1.7 million to members’ pockets.
  
• Free Life Cover
  We give your loved ones peace of mind with up to £5,000 in free life cover. Just last year, we supported 28 families with over £103,000.
  
• Your account for life
  Even if you leave Royal Mail or retire, Penny Post is here for you. Once a member, always a member.

So, why now?

This latest Royal Mail pay rise is your opportunity to build financial security. By starting or increasing your savings with Penny Post, you’ll:

• Make the most of your money
• Qualify for the Advantage Loan more easily
• Protect yourself from high-cost credit in emergencies
• Grow a long-term financial cushion for you and your family

* Dividends are not guaranteed. The rate payable is dependent on financial performance and voted on by members at the Annual General Meeting.