Does your employer offer a payroll savings

scheme for your FAIRshare payments?

Making payments to your

FAIRshare account direct

from salary is an easy way

to save and repay loans, so

why not check and sign up

if your employer offers this

benefit for their staff.

If you’re already making regular payroll savings (or payroll

deduction) we’re sure you’ll appreciate how easy it is to

manage your FAIRshare account this way. Could you help

us by becoming a FAIRshare Payroll Ambassador and

help promote the advantages of joining FAIRshare and

the payroll saving scheme?

Might your employer be interested in offering Payroll

Savings to their staff? Please visit www.fairshare.uk.com

or call us on 01952 200200 for more details.

FAIRshare Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Our members’ money is also protected by the Financial Services Compensation Scheme (FSCS).

Clubs & Groups

Is your club, group or

organisation looking for a

local, safe, ethical home

for funds? FAIRshare

offers community

membership – visit our

website for more details.

DIY Project?

Planning a DIY project, large or

small, then talk to FAIRshare.

• Flexible loans for your budget

• No early repayment penalties

• FREE loan protection insurance*

• Affordable weekly or monthly repayments

• Interest charged on the reducing balance

Helping you save for a better future

Business Loans

Looking for a Business

Loan? FAIRshare offers

loans to businesses

trading for 6 months or

more– visit our website

for more details.

Correct Details?

Do we have your up to

date contact details? If

moving, getting married,

changing mobile or email,

please complete the

Contact Update Form on

our website or contact us.

Beneficiary Correct?

If anything happened to

you, your shares in

FAIRshare would be left

to the beneficiary you

nominated when you

joined FAIRshare. Are

the details we have

correct? Contact us to

update your beneficiary.

www.fairshare.uk.com

or call 01952 200200 or 01743 240403

Loan amount

60 monthly payments of

Interest charges

Total Loan Cost

APR

£1600 £43.31 £998.12 £2598.12 23.14%

£3500 £77.88 £1172.55 £4672.88 12.68%

£5500 £116.92 £1513.30 £7015.30 10.47%

* Terms & conditions apply

Putting people

before profit

Members’ Newsletter Spring 2015

Welcome to our Members’ Newsletter

Some of our volunteers & Directors at the Get-Together

WOW - 50 years & counting!

A huge THANK YOU to our volunteers! At the annual

Volunteers Get-Together in December 2014, we

calculated that our volunteers have, between them,

given more than 50 years loyal service to FAIRshare!

Might you be able to volunteer? Whether helping

occasionally or on a regular basis, joining our Board or

championing FAIRshare, you could help your credit

union. For more information, please visit the Volunteers

page on our website, or call 01952 200200.

Local people helping local people

www.fairshare.uk.com

Cleobury Mortimer

The FAIRshare Service

Point is in Cleobury

Mortimer on the 2nd & 4th

Friday each month thanks

to our great volunteers.

Could you help with a

FAIRshare Service Point in

your community?

Three Parishes Big

Local Partnership

In association with the

Three Parishes Big Local

Partnership we have new

FAIRshare Service Points

every Tuesday in Weston

Rhyn, St Martins

& Gobowen.

5000th Member FAIRshare reached a great

milestone in 2014 & signed

up its 5000th member. The

lucky member, a

Severnside Housing

resident from Meole Brace,

Shrewsbury, received a

special one-off silver

membership card, a membership certificate & gift voucher.

FAIRshare’s John Harrower & Mike Hill with Severnside Housing Community Development Manager, Sue Dell

Please follow FAIRshare

on Facebook & Twitter

and help spread the

word on how great credit

unions are. Visit our

page for updates, news,

information and fun

competitions.

Christmas Saver Account

Looking for a safe, easy & flexible way to save for

Christmas? Do you dread starting the New Year with a

hefty credit card bill? Then spread the cost with a

Christmas Saver Account

& start saving today!

Remember - it’s

never too late to

start saving & it all

helps towards a

great Christmas 2015!

Save from just £5 a week!

A safe and secure home for your savings

Young Savers

A FAIRshare Young Saver

Account is a great way to

teach young people to

save & manage their

money. Open to young

people from birth to

under 16 years, an

account can be opened

with just £1 - visit our

website for more details.

Safe & secure

Your money is safe &

secure with FAIRshare.

Regulated by the Bank of

England, & covered by

the Financial Services

Compensation Scheme

(FSCS) FAIRshare is the

ideal home for savings.

Cashback on grocery shopping (assuming average spend of £90 per week)

£147.00

Cashback on goods/treats/meals (assuming average spend of £50 per month)

£48.00

Cashback on family clothing, DIY, car maintenance (assuming average spend of £840.00 per year)

£72.00

Annual cashback reward (at no extra cost to you) £267.00

Per year

FAIRshare’s VISA Debit Card with Rewards

Do you shop at any of these High Street stores?

If yes, you should consider using FAIRshare’s VISA Debit

Card and in the past 12 months you could have earned

more than £250 in cashback rewards! For example -

For more information or to apply for a card, visit our

website. One-off card fee of £5 applies.

Easy ways to save

It’s easy to pay money

into your FAIRshare

savings account - deposit

cash or cheques in our

branches, set up a regular

standing order or bank

transfer, deposit cash with

a PayPoint card, payroll

savings if offered by your

employer, or pay benefits

directly into your account.

Visit our website for more

details.

Branches in TELFORD and SHREWSBURY call 01952 200200 or 01743 240403 now

@FAIRshare_CU FAIRshareCreditUnion www.fairshare.uk.com

FAIRshare Loans

From time to time we all need a bit of extra cash.

Sometimes it’s for life’s necessities like school uniforms

or car tax, sometimes it’s for unexpected expenses like

car or home repairs, and sometimes it’s for the nicer

things in life like a holiday.

FAIRshare offers affordable,

low-cost loans to its

members. Our loans are

tailored to suit your individual

circumstances and your

ability to afford the

repayments.

If you are looking to borrow

money, talk to FAIRshare & see how we can help!

Borrow with confidence

Saving you money

In the past 12 months,

we've saved our members

as estimated £625,000 in

interest compared to

payday lenders - money

saved for our members

and retained in the local

community.

Did you know? FAIRshare loans are

covered by FREE Life

Insurance* at no extra

cost to you - so if you die

before repaying the loan,

the balance would be

paid off for you. * Terms & conditions apply.

* Excluding Handi-Loan

Interest Rates

Our interest rates can be

up to 25 times cheaper

than Door Step lenders &

up to 100 times cheaper

than Pay Day lenders. By

law Credit Unions can’t

charge more than 3% a

month interest (or 42.6%

APR). Talk to FAIRshare to

see what could save.

Charges

FAIRshare loans have -

• NO hidden charges

• NO early repayment

penalty*

• Interest calculated on

the reducing balance

Handi-Loan with OpenCash

A great NEW loan for new members or if you

haven’t saved regularly. Borrow £300 - £500 at

a fixed repayment of £14 a week, with the added benefit

of OpenCash, the easy way to top-up a loan.

Saving as you borrow - your weekly repayment

includes a minimum saving of £2.52 a week savings -

borrow £500 and after 52 weeks you will have repaid

your loan and saved more than £130.

Open Cash gives you

the flexibility of a credit

card, the convenience of

a Pay Day loan, all at a

competitive interest rate.

Representative example -

Borrowing £500 over 52 weeks will cost £11.48 a week

+ £2.52 a week savings – £14 including savings. Total

amount repayable is £596.96 which includes interest

at 42.6% APR (3% per month). Rate of interest 19.4%.

Total savings £131.04 after 52 weeks.

Apply online today