Preparing for Winter - Together

The leaves are turning, the nights are drawing in, and before we know it, winter will be here. For many of us, this time of year is about getting ready — making sure the house is warm, the car is safe, and the family budget is steady.

At First Rate Credit Union, we understand the challenges that come with the colder months. Because we’re run for BAE Systems employees and their families, not for profit, everything we do is about fairness and support. We exist to help each other out — people helping people.

Keeping Your Home Warm

Boilers have a habit of breaking down just when we need them most. Servicing or replacing one can be expensive, and so can making improvements like insulation or new windows. Our fair loans give you the option to spread the cost, so you can keep your home warm without the stress of high-street rates.

Making Sure Your Car Is Winter-Ready

From tyres to servicing, winter driving can be tough. Icy mornings and long commutes mean it’s important that your car is safe and reliable. With a small loan from us, you can cover those essential costs and set off each day with peace of mind.

Escaping the Cold

Of course, not everyone wants to face the frost head-on. For some, the best way to get through winter is to plan a sunny break. If a week in the sun or a family holiday abroad is what keeps you going, we can help spread the cost of that too.

Why Choose First Rate?

• We’re not-for-profit — all money goes back into serving members.

• We’re exclusive to BAE Systems employees and their families.

• We focus on fairness, not fees.

• We understand the pressures of everyday life, because we’re part of the same community.

As winter approaches, remember you don’t have to tackle it alone. Whether it’s home, car, or holiday, First Rate Credit Union is here to support you — with fair loans designed by and for BAE people.