How it works
- Accounts start on 1st January and pay out on 1st November each year.
- It’s a simple way to stay disciplined and reach your savings goal.

How to transfer funds
Moving money from your Saver Account to your Christmas Saver Account is easy:
- Transfer in the BCU app / Complete this online form
- Call us on 01234 346352
- Email info@bedscu.org.uk
- Visit our Bedford office.
Ways to withdraw
Withdrawals can be made between 1st November and 31st December:
- On our website via the member area.
- On our BCU app.
- Over the phone.
- In our office (limited cash withdrawals).

Payments and withdrawals are processed manually by staff and volunteers during office hours only.



