Financial Wellbeing: support and information

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Cambrian Credit Union: payroll saving scheme

Cambrian Credit Union: payroll saving scheme.

Paying for that special occasion has never been easier. Cambrian Credit Union teams up with over 40 businesses, organisations, and local authorities to offer staff an easy way of building a nest egg or borrowing extra funds when you need them.

With the payroll savings scheme, you set the amount of money you want to put aside on a regular basis and this will be paid direct from your salary into your Cambrian Credit Union savings account. You can vary the amount put aside at any time and, of course, have access to your savings when you need them.

If you need a loan, perhaps for an unforeseen expense, to consolidate debts or pay for home improvements, Cambrian Credit Unions offers a financially sympathetic service. Repayments can be made through the payroll Savings service, offering you the peace of mind that your payments will be made– on time. Why join the scheme:

  • it’s an easy way to save for those little emergencies or for holidays, like Christmas or a new car
  • a small sum automatically deducted from salary builds up a nice nest egg without you noticing it
  • your savings will attract free life insurance


  • Simple, flexible, affordable loans
  • Discounted interest rate on payroll deduction loan
  • Available when needed with flexible repayment periods to suit you
  • Low, manageable interest with no penalties for repaying early
  • free loan protection insurance
  • Continue saving as you repay your loan

Our Mission

‘Cambrian Credit Union exists to provide access to financial services for our community and to offer a responsible alternative to high-cost credit’.

Our Vision

Wales will be a place where the financially vulnerable do not fall victim to high-cost lenders. We will have a growing membership in control of their finances by being a well-known source of fairly priced credit, a safe place for savings and by promoting financial capability. We will be a respected advocate for the credit union movement in Wales and a tireless opponent of high-cost credit.

Our Values

  • Respect
  • Excellence
  • Co-operation
  • Empowerment
  • Trust

For further information please visit the Cambrian Credit Union website (external website), email or call the team on 0333 2000 601. 

Money and Pensions Service / Money Helper

Information and support

Denbighshire County Council works closely with the Money and Pensions Service (MaPS) in order to provide our employees with easily accessible information and guidance to help you feel secure and in control of your money.

The information below provides the links to the topics on the jointly run website, Money Helper, however there is a whole host of additional information that can also be found on there.

Coronavirus financial support

Money Helper: coronavirus(external website)

Money Navigator Tool

Here is a link to the Money Navigator Tool. The MNT has been developed to help people who have seen their finances impacted by Covid-19, by providing them with guidance personalised to their needs.

Money Helper: money navigator tool (external website)

Tools and Calculators

Here are some examples of the Tools and Calculators that Money Helper have available to support Staff:

These are just a small example of the tools that are available. You can find more at:  Money Helper: tools and calculators (external website)

Child Trust Funds

Born between 1 September 2002 and 2 January 2011? You could have money in a Child Trust Fund waiting for you!

If you are between 9 and 18 years old, and your parents received Child Benefit, you probably have a Child Trust Fund. These are accounts that were introduced by the UK government to provide you with a pot of money when you reach 18. Find out more at Money Helper: child trust fund accounts (external website) and at GOV.UK: child trust funds (external website)

Help to Save

Help to Save

Help to Save is a type of savings account and allows certain people entitled to Working Tax Credit or receiving Universal Credit to get a bonus of 50p for every £1 they save over 4 years. Help to Save is backed by the government so all savings in the scheme are secure. GOV.UK: get help with savings if you’re on a low income (external website)

Clwyd Pension Fund

Clwyd Pension Fund

You will automatically join the Local Government Pension Scheme. The Local Government Pension Scheme is an excellent scheme and some of the benefits are listed below:

  • pensions for your spouse, civil partner, cohabiting partner for life
  • death in service grant which covers 3 times your annual salary from the day you join
  • a tax free lump sum of up to 25% of the total value of the benefits
  • early payments of benefits if you have to stop work permanently due to ill health
  • being part of the Local Government Pension Scheme meant that you paid a reduced N.I. rate. However, as of 6th April 2016, your National Insurance payment has increased to the normal National Insurance rate that is paid in all sectors - this is about 1.4% higher than was paid pre-April 2016.

If you have any queries regarding your pension please contact Clwyd Pensions on 01352 702761. Alternatively, please visit the Clwyd Pension Fund website (external website) or the Local Government Pension Scheme website (external website).

Teacher’s Pension Scheme

Teacher’s Pension Scheme

To find out more about teachers pensions at the Teachers' Pensions website (external website).

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