Take Our Brand NEW Christmas Survey!

We’re asking our Members and contacts for their experiences. If you’d like to share yours, our confidential survey is below!

Open a Christmas Savings Account!

Christmas Saving Withdrawals NOW available. Start saving today to make your Christmas really special!

Flexible, Affordable Loans made Easy

Providing flexible & affordable loans across Derbyshire & East Staffordshire

DCB’S Christmas Opening Hours

Check out all dates & hours around Christmas & New Year below!

Join Derbyshire Community Bank! Start Saving & Applying for Loans Here

Apply Here

Who Are We?

As a financial not-for-profit co-operative. Derbyshire Community Bank is ‘owned’ by the 4,000 members who save and borrow with the credit union. Unlike a conventional bank, a Credit Union is run by the people who use it. All of our adult members can vote on decisions at our Annual General Meeting or volunteer for one of our committees or board.

The board of directors are unpaid volunteers and bring their skills and experience to the running of the credit union and ensure compliance with our statutory duties.

We have 6 staff at our office in Derby who manage the day-to-day operation led by our CEO Phil Cole.

What do we do?

We offer a full range of banking services, including savings accounts, as well as loans that carry a rate of interest that is highly competitive with other institutions.  We offer online banking, where Members are able to manage their money online, check balances and apply for loans.

We encourage everyone to save regularly, even a small amount, and those savings are lent back exclusively to credit union members in our community. As part of our ethos, we do what we can to help people manage their money.

Credit unions are for everyone in our community, regardless of income. For this reason we especially provide essential financial services to many people who would otherwise be financially excluded and susceptible to loan sharks and sub-prime lenders.

“Derbyshire Community Bank is on a journey, and hopefully our Members will join us in that as we continue to grow, improve our services and change lives” 

Phil Cole, CEO.


  • Loans from as little as £100
  • 26.8% – 42.6% APR
  • Easy to apply, quick decisions
  • Loan Agreements signed via E-signature
  • Save as you borrow
  • No hidden charges, fees or early repayment penalties
Learn More


  • Make withdrawals at any time without penalty
  • Dividend is paid annually direct into your account
  • Save by standing order, benefits, child benefit, payroll deduction
  • Pay in to suit you
Learn More


  • Manage your money via our online banking or mobile APP
  • View balances 24/7
  • Withdrawals to suit you
  • Send secure messages
  • Apply for a loan when you need to
  • Safe and secure
Learn More

Payroll Savings & Loans

Payroll Savings & Loans are offered to employees of partner organisations as a staff benefit. This enables employees to save and access affordable loans in an easy, hassle-free way. You specify the amount you wish to save and this is deducted from your salary via your employer’s payroll and transferred directly into your account with us. If you wish to apply for a loan then the repayments are made in the same way.



Stop Loan Sharks

Stop Loan Sharks investigates and prosecutes illegal money lenders and provides support for borrowers in the UK.

Debt Advice

Free debt advice is available and we provide details of three organisations who might be able to help.

Benefits Calculator

Find out what benefits schemes are available for you.

Become a Member of DCB

Interested in becoming a member of Derbyshire Community Bank? Read our easy process here

View all advice

Loan Calculator

Latest News

View all news

Facebook Updates

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Come into the city as we celebrate the start of Festive Derby, with a range of festive entertainment including a stage show featuring local entertainment and of course Santa!

The stage show kicks off at 4pm in the Market Place with Surtal Arts Lantern Parade from 4pm, starting at St Peter’s Cross and finishing in the Market Place.

For more information, visit - https://zurl.co/Ob9X
December Bound!! Christmas Is Coming 🎄

Take a dash around Derby’s own real ice rink. Proving a popular choice last Christmas, the glittering ice rink will be back in Derby’s Market Place from 02/12/23 to 31/12/23! 

Tickets Here - https://zurl.co/SEWJ
Were you at the Sadler Gate Derby Night Market? 

Shops, food, crafts, stalls, music thanks to Love Sadler Gate for hosting an incredible event. Please shop local this Christmas and support Derbys fantastic small businesses 🎄🎄

#sadlergate #derby #christmas #shopping #december #derbyshire #market #christmasmarket #community #food #shops #stalls #music