Penny Post Credit Union is a financial co-operative offering savings, loans, and other financial services to its members, primarily Royal Mail Group, Parcelforce, Post Office employees, CWU and Unite members, and their families[1][3]. Services include a Cash ISA, bereavement fund, and online banking[1][3]. Their unique selling proposition is providing ethical, affordable financial solutions with member benefits like annual dividends and a PrizeSaver account offering monthly cash prizes[5]. Members have an equal say in operations and benefit from capped interest rates and no hidden fees[1][5].