What we believe in

Our Social Goals

Member focused

We help people to help themselves. A credit union is all about people helping people gain financial well-being.


Our members are our shareholders and have a say in the way the business is run.


We carry our our business in a fair and ethical way and we share our success with our members in the form of a share of the profit.


We are a co-operative and community owned business that shares a common purpose with our members and our community


We are a responsible organisation offering savings and loans to the community. Our business is to offer fair and affordable credit and to encourage a good savings habit.


We work with members and the community to manage their money and understand how financial services work.


We run our business in an open, honest and responsible way. Our primary concern is the financial
well-being of our members and the community.

The Owl Effect:

Measuring the Social Impact of Hoot Credit Union

The Owl Effect, Measuring the Social Impact of Hoot Credit Union is about the impact credit union services have on the community and how being a member of Hoot impacts financial well-being.

Credit unions have provided services to the people of Bolton for over thirty years and more than 6,500 people now benefit from the safe savings, affordable credit and financial education that Hoot Credit Union delivers to its members.

Hoot is motivated by the desire to provide approachable, affordable and accessible financial services that meet the needs of everyone who lives, works or studies in Bolton or Bury.

Four years on from our first social impact report, our 2023 edition updates on how we have impacted the financial lives of our members, the community and the local economy.

If you want to know more about how Hoot improves the financial well-being of the community contact us below.

Read our 2023 Report below…