When you borrow from Halton Credit Union, you link your share 1(Savings) account to your loan, which can limit the amount you're able to withdraw. Some of our members like to have a separate share account, so they always have access to the full amount. 

With a share 2 account, you can withdraw your savings as you wish (in line with our Share Withdrawal Policy). 

You can not have a Share 2 account and a Christmas Club account together. 

Share 2 accounts are not linked to loans and savings in this account can not be used to calculate loans, savings in this account also do not count towards regular saving to count towards borrowing.