Holidays

Instant Access Account

A savings account without bounds

The Instant Access Account is your personal savings account that is unlimited in its access. Members can save and withdraw as many times as they wish allowing more flexibility with your money, and making it ideal for short term savings, whilst still receiving a competitive dividend. As a member, you will also benefit from free Life Insurance (terms and conditions apply) as well as access to exclusive savings and loan products.

  • I am aged 16 years or over
  • I am an employee of the transport industry including logistics and air-side employees.
  • OR a member of Unite the Union
  • OR a family member of an existing Voyager Alliance Credit Union member (You must be living at the same address as your family member sponsor)
  • Save easily though payroll deduction (available to most members).
  • Members share our profits and earn a dividend on their savings.

Free Life Insurance:

As a Member of Voyager Alliance Credit Union you will be automatically covered by our Life Insurance Policy at no direct cost to you. In the event of your death, any savings you may have with Voyager Alliance Credit Union is doubled up to a maximum of £20,000 for members up to the age of 64. (See example 1a and 1b)

Members over the age of 65 and up to 79 can expect to receive an additional 25% of their savings balance up to a maximum of £5,000. (See example 2a and 2b)

Example

Age at claim

Total Savings Balance

% of Insured Balance*

Benefit

Total Paid to Next of Kin

1a

18-64

£12,500

100%

£12,500 (100%)

£25,000

1b

18-64

£22,000

100%

£20,000 (maximum)

£42,000

2a

65-79

£12,000

25%

£3,000 (25%)

£15,000

2b

65-79

£22,000

25%

£5,000 (maximum)

£27,000

*Insured Balance: Maximum claim is £20,000 age 18 through 64 and £5,000 (25% of £20,000) age 65 through 79.

Life Insurance on savings does not cover members over the age of 79.

For full terms and conditions or more information about the policy, please click here.

Data protection statement:

In accordance with the principles of the Data Protection Act 1998, we will use your personal details for the purposes of managing your accounts with Voyager Alliance Credit Union.

Under the Distance Marketing Directive, you have the right to cancel your savings account within 14 days of opening without incurring financial or other penalty.