The Scottish government has launched a credit union which will be available for use by more than 150,000 NHS staff.
All NHS staff in Scotland will be eligible to join the scheme, which will offer savings facilities and "competitive" loan rates.
It began in 1998 as a credit union for Greater Glasgow Health Board staff, then expanded to Lanarkshire and Ayrshire. Thus far, it has given out loans totalling more than £24 million, and has been given permission by the Financial Services Authority to operate Scotland-wide.
Health secretary Nicola Sturgeon hailed the innovation as an example of the benefits provided by "a truly mutual NHS" and added: "It's a really concrete example of how a truly mutual NHS can lead to tangible benefits for the 150,000-strong NHS staff community.
"It's particularly welcome at a time when many people will be wanting to ensure the maximum security for their money and know more about how their money is being used for investments and loans."