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Mutuality cuts to the heart of why we do business and how we do it, each and every day.

As an independent mutual organisation we are owned by all our members on an equal footing, with the same right to a vote at our AGM and an identical say in how the Society is run.  You will normally be entitled to membership rights simply by opening a savings account or taking out a mortgage.

We do not have shareholders in the same way that banks and other large financial institutions do and any profit is reinvested into the business to improve the products and service we deliver to our members. Some of our members, in turn, help us by participating in our Member Panel.

Our staff personally know our members, many of whom are from loyal families whose relationship with the Society has lasted for generations.

We are proud of our history, stretching back a century and a half, but the Hinckley & Rugby of the 21st century is a modern ethical business that offers competitive, yet easy to understand, savings accounts and mortgages across England and Wales.

What hasn’t changed is our commitment to traditional service of the highest quality and our desire to give back to the communities we serve.

Mutuality, put simply, is a way of life for everyone at Hinckley & Rugby. We are proudly mutual and endeavour each day to serve our members better.

To read more about the the features and benefits of building societies see the For people Not shareholders leaflet created by the Building Societies Association.

Customer Assistant Rita at South Wigston branch