In preparing to answer question 4, I found that Scotland has 115 credit unions, of which 13 were established by councils and other public bodies. However, the bald fact is that it is up to the employers whether they wish to set up a credit union and encourage staff members to join it. Clear benefits are associated with workplace credit unions, such as the deduction of monthly savings at source. However, there is nearly full coverage in Scotland of existing credit unions. That complements any new initiative that might take place in the workplace.