Leeds City Credit Union is governed by a volunteer Board of Directors, which is elected by the membership at the AGM. In addition to the Board of Directors we also have a Finance and Audit Committee made up of Directors to oversee these aspects in detail. All Directors and senior managers are individually approved under the "Senior Management Regime" of the PRA & FCA and this means that they have to meet standards of capability.

We adhere to the demanding financial reporting rules and requirements for good governance set by the PRA and FCA. We also have to meet other PRA/FCA requirements such as Money Laundering rules and Treating Customers Fairly requirements.

Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA)

Leeds City Credit Union, in common with all UK Credit Unions, is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Our Firm Reference Number (FRN) is 213369.


We use professionally qualified Internal Auditors who work in conjunction with our Finance and Audit Committee to carry out an annual audit plan. We also have External Auditors, currently Grant Thornton, that perform an annual inspection of the credit union’s business and report to the membership at the Annual General Meeting each year.


Leeds City Credit Union has a dedicated Compliance Manager who is responsible for ensuring the Credit Union complies with regulatory and legislative requirements.

Regulatory Information

Terms and Conditions

Terms and conditions apply to all Leeds City Credit Union accounts and services. The terms and conditions that relate to a particular account or service will be provided on application or when the account or service is opened. Contact us if you would like to view the terms and conditions of a product or service before applying.

Click here to view the main terms and conditions of membership

Treating Customers Fairly

Leeds City Credit Union is a member owned ethically focused Financial Co-operative with our members at the heart of everything we do.

We want our members to have a unique experience when dealing with our teams and are fully committed to the principals of Treating Customer Fairly and the guidance provided by the Financial Conduct Authority.

We have defined six member outcomes, which explain what we want Treating Customers Fairly to achieve for consumers.

Outcome 1: Consumers can be confident that they are dealing with a credit union where the fair treatment of customers is central to the corporate culture.

Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified member groups and are targeted accordingly.

Outcome 3: Members are provided with clear information and are kept appropriately informed before, during and after the point of sale.

Outcome 4: Where members receive advice, the advice is suitable and takes account of their circumstances.

Outcome 5: Members are provided with products that perform as the we have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.

Outcome 6: Members do not face unreasonable post-sale barriers imposed by us to change product, switch provider, submit a claim or make a complaint.

We recognise that our staff and volunteers are critical to delivering a positive member experience and ensuring our members are treated fairly. Our culture and values encourage and support our staff and volunteers to do this.

Your feedback is important to us and helps us to improve our products and services for you our valued members.


As are other banks, credit unions and building societies Leeds City Credit Union is a member of the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if Leeds City Credit Union is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000 maximum payment for protected deposits).

The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with Leeds City Credit Union, including their share of any joint account and not to each separate account.

For further information about the scheme (including the amounts covered and eligibility to claim) please either contact Leeds City Credit Union, refer to the FSCS website or call 020 7892 7300 or 0800 678 1100.


We are also part of the Financial Ombudsman Service and have to maintain written complaints handling policy and procedures. A copy of these procedures is detailed below, or can be obtained from us.


Leeds City Credit Union is committed to providing you with the best service possible. We understand there may be times when something goes wrong, so if you have a problem please let us know.

Get in touch with us by telephone on 0113 242 3343, email, or by post to Member Services Department, Leeds City Credit Union, 2nd Floor, Westminster Buildings, New York Street, Leeds LS2 7DT. We will endeavor to settle your complaint as soon as possible using our Complaints Procedures. A copy of our complaint procedures is available upon request.

Should you be unsatisfied with the outcome of your complaint you can then contact the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR Tel: 0800 0 234 567 , Email:


White Rose Credit Union and Your Loan Shop are trading names of Leeds City Credit Union


By browsing our website you will be deemed to have accepted our terms & conditions

Access to this Site and the use of information contained on it is governed by the terms and conditions set out below. These terms and conditions are important and are for the protection of both you and us. Please take the time to read the terms and conditions carefully. By proceeding further you will be deemed to have accepted them. Please note that references to we means Leeds City Credit Union and our subsidiaries and associates.

  1. This Site is established in the United Kingdom (UK) in accordance with the laws of the UK and will be governed by the laws of that country. When you use the Site, you accept that your use of the Site and any information on the Site, will also be governed by the laws of the UK and if any claim or dispute arises from your use of the Site or any of the information on it, you agree that the UK courts will have exclusive jurisdiction over all such claims or disputes.
  2. We have provided the contents of this Site for your information only. The distribution of information on the Site may be restricted by local law or regulation in certain jurisdictions. This information is not intended for distribution to, or use by, any person or entity in any such jurisdiction and persons accessing these pages should inform themselves about and observe any such restrictions. If you are in any doubt as to whether this Site can be lawfully used by you please do not proceed further.
  3. Information about some of the products and services on this Site is subject to specific restrictions concerning the persons to whom such information may be made available. Details of such restrictions are set out on the pages to which they relate and you should read those details carefully before proceeding to the rest of the relevant page.
  4. Information about some of the products and services on this Site are subject to additional Legal Notices and Warnings. These notices and warnings are important and are for the protection of both you and us. Please take the time to carefully read all Legal Notices and Warnings on the pages of this Site that you visit.
  5. We have given the information on the Site in good faith. We have taken the information from trade and other sources believed to be reliable. Although we have made all reasonable efforts to ensure that all of the information on the Site is accurate at the time of inclusion, we do not represent that this is the case and it should not be relied upon as such. Please note that we may update or alter the information on this Site at any time without giving notice of the alterations. Any opinions and estimates expressed reflect our judgement at the date given and are also subject to change without notice. Accordingly you agree not to hold us responsible for any inaccuracies or omissions. If you do not understand or if you have any queries on any of the information on the Site, we recommend that you consult a professional financial adviser.
  6. Please note that the sending of personal information via e-mail over the internet may not be secure and can be intercepted by third parties or incorrectly delivered. You should not divulge personal information over the internet unless you are using a secure or encrypted communications technology.
  7. Some pages on this Site contain hypertext links to web sites not maintained by us. You are reminded that when you enter other web sites via such hypertext links, you will not be subject to these terms and conditions and you will not benefit from the protections afforded to you in using our Site. We will not be liable in any way for the content, availability or use of such linked web sites and you use such links entirely at your own risk.
  8. Some of the pages on this Site contain hypertext links to web sites of business units, subsidiaries and associates of Leeds City Credit Union. You are reminded that when you enter such sites, you will be subject to the terms and conditions of those sites.
  9. Access to and use of this Site is at the user’s own risk and we do not represent or warrant that the use of this Site or any material downloaded from it will not cause damage to property, including but not limited to loss of data or computer virus infection. In no event do we accept liability of any description including liability for negligence for any damages whatsoever resulting from loss of use, data or profits arising out of or in connection with the access, use or performance of this Site or any its contents.
  10. The information contained in this Site is for information purposes only. Whilst every care has been taken in their preparation we do not make any warranties or representations as to their completeness, accuracy or reliability of the contents of this Site. We neither accept nor assume any responsibility to you in relation to the contents of this Site.
  11. The contents of this Site, including these terms and conditions, are subject to change by us without notification. The information in this Site may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information in this Site up to date or liability for any failure to do so.
  12. Copyright in the Site and the information set out on it belongs to us and may not be copied, transmitted or reproduced without our prior consent.
  13. Any quotes appearing on any page of this web site are for illustration purposes only.


While all reasonable security precautions have been taken by the Leeds City Credit Union, the nature of communication by the Internet is such that the Leeds City Credit Union cannot guarantee the privacy or confidentiality of any information relating to the member passing over the Internet. In accessing the Leeds City Credit Union Website and in availing of our services, the member accepts that electronic mail messaging may not be free from interference by third parties and may not remain confidential. The use of the Leeds City Credit Union's website is at the member’s sole risk.


We understand how important the security and confidentiality of your information is to you

Security Overview
The Members Area utilises several layers of technology to ensure the confidentiality and integrity of its transactions across the Internet. SSL Protocol (Secure Sockets Layer) ensures that data cannot be read by other computers as it travels between your browser and our server. Digital Certificates allow you to verify that your browser is communicating with our server and not another server posing as our server. Member Numbers, PINs (Personal Identification Numbers), your date of birth and other personal details are also used to verify your identity. In order to provide a banking service on the Internet, it is necessary for information to securely pass between your computer and our server.

Security Definitions

Your Browser - As secure encryption advances, browsers need to be updated to avail of the most up-to-date improvements in secure communications. We recommend that you use an up to date browser. At the very least we recommend that you use Internet Explorer version 4+ or Netscape version 4.75

Cookies - A cookie is a piece of information that our server gives to your browser once your browser has established a secure session. The cookie basically tells our system that a secure session has already been established with your computer. Without the cookie data, you would have to login every time your browser requested any information from our server. When you click the Logout button to leave the Members Area, the cookie data is deleted from the system thus breaking the link between your PC and our server. Clicking on the Logout button ensures that you securely terminate the service.

Caching - Caching is temporarily storing of information either in your computer’s memory or its hard drive. When you view a page on the Internet, your browser may keep a copy of that information locally. This can be very useful for quickly retrieving pages that you have visited previously. However it may cause problems when the website has been changed, in which case you could be viewing out-of-date or even incorrect information. Your cache can be cleared.

Frequently Asked Questions

How do I know my account details and other information is kept private ?

When your browser and our server are establishing a secure session they will exchange a secret code. This code is commonly called a session key. This session key is used to encrypt all the data as it passes through the Internet including your account details, transactions and loan applications. The information is decrypted only when it reaches your browser.

How do I know that the information sent by the server is accurate and has not been changed en route?

It is important that you know your information has not been tampered with as it travels across the Internet. Part of SSL Protocol involves using a Message Authentication Code (MAC). If a message is tampered with in transit then your browser will not accept the message.

How do I know my member number and PIN are kept private ?

When your browser and our server are establishing a secure session they will exchange a secret code. This code is commonly called a session key. This session key is used to encrypt (scramble) all the data that passes between the two computers. Only your browser and our server will have the session key that can decrypt (unscramble) your information.

Member Responsibility

In order to securely use our service, you should always:

  1. Ensure that you connect to the correct web address.
  2. Ensure that your browser indicates a secure session.
  3. Ensure that you click the Logout button when you have finished.
  4. Keep your Member Number and Personal Identification Number (PIN) secret.
  5. Take care of your information once it has been delivered to your browser.

The Correct Web Address

Ensure that the site address you connect to is correct. The legitimate website address to log into the members area will start with https://. If your address bar displays http without the s your session will not be secure.

Secondly, you must ensure that your browser is indicating a Secure Session. The Digital Certificate that our server sends to your browser will allow your browser to uniquely identify our website. Your browser will warn you if the Digital Certificate is incorrect.

WARNING! - Only proceed if the address is correct and your session is secure.

A Secure Session

Different browsers have different ways of indicating that the session is secure and you should consult the documentation or help files on your browser. The table below gives basic details for two popular browsers.





Microsoft Internet Explorer

A padlock icon on the top left hand corner of Microsoft’s Internet Explorer indicates a secure site. If you cannot see an icon, then the site is not secure.



A padlock icon on the top left hand corner indicates a secure site. If the padlock is open, the session is not secure.



Log Out

Always finish your session by pressing the Logout Button. This will ensure that your session with our server has terminated securely.

Please note, calls may be recorded for training and quality assurance purposes.

Join us

To start saving or to apply for a loan with the credit union apply here now.

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