About Harmony


Low cost loans for employees and no cost for employers


Harmony is the Workplace Savings Scheme from Wiltshire and Swindon Credit Union. Staff can save money or make loan repayments directly from their wages – no fuss, no hassle. Everything is very easy!


Our Harmony Scheme can help your colleagues to manage their money better, helping them feel less stressed about debts or financial worries.


By partnering with Harmony, employers are offering colleagues a great staff perk that is easy to run, low-cost to employers and has a very positive effect of your team’s wellbeing.

How to start saving with Harmony


Employees can join our credit union for only £2


To save directly from their wages, your staff will need to join the credit union.


This is easy to do online on the Wiltshire and Swindon Credit Union website; by calling our office on 01793 522216 or visiting your payroll department at work. Employees need to pay a one off membership of £2 and that’s it – their membership is set up!


To start saving they will need to have minimum £5 on their share accounts. Once membership is set up, employees need to complete a Payroll Deductions Mandate to arrange for regular savings to be taken from their wages and transferred into their credit union account.

Affordable Loan Rates with Harmony


You can borrow £250 – £7,500, interest rate 0,5%-3% per month



We offer great loan rates for employees repaying loans through Harmony. Also our loans all have a savings element to the repayments so anyone repaying a loan is also creating a savings pot that they can access when the loan has been repaid.


We foster a responsible attitude to credit and only lend to loan applicants that can afford to meet the repayments.

Our partners

Swindon Borough Council

Member of ABCUL

Authorised and Regulated by

Your money is protected up to £85,000