What does membership mean?

Being a mutual means that we're owned by our members for our members - and doing right by them is at the heart of our business.

We don’t have shareholders to pay dividends to, so we can reinvest our profits to provide quality products and services for the benefit of our members.

Member benefits

We value our members and want to support them through the tricky world of family finance by offering a variety of benefits;

*Member benefits cannot be used by members who have a permanent residence overseas.

Annual General Meeting*

Our AGM is one of the main ways our members can have their say on how we run our business. Members can hear about business updates, vote on key decisions, ask questions and provide feedback to help us continually improve how we do things.

Find out more

Young Person's Education Grants*

Both members and customers can apply for help towards meeting the essential costs of education and training for young people aged 15-19.

Find out more

Lifetime Mortgage Advice*

£950 saving for eligible OneFamily members, where the fee is paid by OneFamily

Find out more

New member benefits coming soon...

We're about to launch a range of new benefits including savings on educational resources, IT equipment, training, shopping and more. We'll be inviting our members to register over the coming months.

Have your say

As a member-owned business, we’ve always had a strong focus on member engagement and giving you the opportunity to have your say on how we run our business. Listening to and learning from our members plays a crucial part in shaping our products and services. This, in turn, allows us to serve our members better and build closer, long lasting relationships.

We engage with our members in a number of ways and seek feedback to continually evolve the way we do things.

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Who is a member?

Our customers become members when they take out certain types of products. Alongside our own OneFamily branded products, we also work with other providers. This is why membership rights also differ depending on who the customer takes their product out with.

Find out if you're a member

Member Product type
The child* Child Trust Fund
Except former Legal & General and The Share Centre Child Trust Fund customers
Junior ISA
Except Post Office Junior ISAs opened after 06/04/2018
Child Savings Plans**
Junior Bond**
The first named planholder until the child reaches 18 Unit Trust (on behalf of a Child)
The account holder Lifetime ISA
(Except former The Share Centre Lifetime ISA customers)
Post Office Money® ISA
(accounts opened prior to 06/04/2018 only)
The planholder OneFamily ISA (formerly PEP) and OneFamily ISA
The policyholder Family Bond
Adult Savings Plans
Life Insurance Plans
Over 50s Life Cover
Freeway Pensions
Ecclesiastical Customers
The policyholder(s) Lifetime Mortgage
The first named planholder Unit Trust (Adult)

* Where the member is a child under the age of 18, the child is not eligible to vote at the AGM. Children under the age of 16 are not eligible to apply for grant funding from OneFamily. The parent, guardian or named correspondent of the child may apply for grant funding from OneFamily but is not eligible to vote at the AGM.

** Where the member is a child under the age of 18, the child is not eligible to apply for grant funding from OneFamily or vote at the AGM. The parent or guardian of the child may apply for grant funding from OneFamily but is not eligible to vote at the AGM.

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Inspiring Better Futures

Our vision is focused on Inspiring Better Futures and we want our members to be a part of that, every step of the way.

Read more about what we're doing to support our members and communities here.

Here's what our members are saying...

Related pages

About us

Learn more about OneFamily and why we're proud to be different.

Read more

Charity partnerships

Find out more about how we're supporting our charity partners.

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Our Mutual Heritage

Supporting our members and communities has always been a key focus of ours. Learn more about our journey.

Read more