Mae'r targed hwn yn sicr yn uchelgeisiol ac felly gofynnais i'm cyd-Weinidogion ym mis Rhagfyr i hybu'r defnydd o Undebau Credyd o fewn y Sector Cyhoeddus.  Rwyf wedi gofyn i bob Gweinidog gyfleu'r neges bod gwasanaethau'r Undebau Credyd ar gael i bawb. Mae Undebau Credyd yn cynnig dulliau rhagorol o gynilo a benthyca arian a byddai o fudd i bawb petai gweithwyr ar draws y sector cyhoeddus yn cael eu hannog i'w defnyddio. Gwnaeth fy nhrafodaethau ag Archesgob Cymru ym mis Tachwedd hefyd dynnu sylw at y ffaith bod Undebau Credyd yn opsiwn gwych i bawb. Rydym wedi cytuno y byddwn oll yn cydweithio er mwyn parhau i gyfleu'r neges i bob rhan o'n cymdeithas.
This is an ambitious target and so during December I called on the support of my Ministerial colleagues asking that they promote the use of Credit Unions to the Public Sector. Credit Unions are there for everybody and I have asked Ministers to promote this message. Credit Unions provide an excellent way to save and borrow and it would be mutually beneficial if their use were encouraged to employees across the public sector. My discussions in November with the Archbishop of Wales also highlighted that Credit Unions are an excellent option for everyone. We’ve agreed that we would work together to continue to promote the message to all sectors of our communities.