Most branches have remained open on a reduced hours basis, allowing some face to face appointments for the more vulnerable. People can access credit union services online, with loan applications and access to savings accessible via websites. Credit unions are particularly important for people suffering financial difficulties during the Covid-19 lockdown who may be at risk from high interest doorstep lenders or loan sharks, who we understand from the Wales Illegal Money Lending Unit are currently preying on vulnerable people. Credit unions provide affordable loans starting from £50, and as ethical savings and loan providers, they offer a far safer method of short-term borrowing. As not-for-profit, community banks that focus on responsible lending, credit unions will take care to work out what’s affordable for borrowers. In Wales there are 18 credit unions, offering savings and loans through local branches, and also online. More information about credit unions in Wales can be found at the following link https://creditunionsofwales.co.uk/