First Rate is a Credit Union exclusively for BAE Systems people.Owned by and run for its members since 1982. First Rate provides BAE Systems people with easy savings and affordable loans directly through your payroll, providing safety and security for your family finances.If you are a BAE systems UK employee then follow this page, visit our web site or call into our branches at Warton, Salmesbury or Barrow.Recognised and supported by BAE systems, we are Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority 213241