Owned by you: the website for customers and members of financial mutuals
Welcome to ‘Owned by You’, brought to you by The Association of Financial Mutuals.
There are literally hundreds of mutual organisations in the UK, affecting the lives of over 20 million of us, that’s 1 in 3 of the total population.
At the Association of Financial Mutuals, we believe in mutuality as a better way to run a business and look after customers. We represent 53 member companies, and are also here to provide information to, and protect the interests of you, customers and members of Financial Mutuals.
Mutuals: Owned By You...
Mutuals have built an enviable reputation of working hard for their customers and are different from most companies because they are not owned by shareholders. That means customers are also ‘members’ who effectively own the business.
Meet our Members
We represent 53 member companies. 
See them all
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Mutuality for you
Are you a member of a mutual?
Mutuals include a broad and diverse range of organisations from Building Societies to Insurance Companies and Building Societies to Credit Unions and Football Supporter Trusts.
Your views
You and money
Our independent research gives a fascinating perspective on what money really means to ordinary people...
“My relationship with money has been a lot more straight forward than my relationships with people..."
Alistair: aged 37
Other AFM websites
Children 4-7
Children 7-11
Need help or have any questions? Just call us on 0844 879 7863