Membership

Members of Kilrush Credit Union enjoy many benefits, including:

Member Owned

Kilrush Credit Union is owned by its members, for the benefit of its members.

Community organisation

We are part of the local community. We exist for people, not for profit and actively support the local community.

Savings guarantee

Your savings are fully secure. They are protected by the Irish Deposit Guarantee Scheme. The max you can currently save with Kilrush Credit Union is *€40,000.

*Please see the savings page as lower limits may apply.

Easy access

You have easy access to your savings. You can withdraw some or all of your money whenever you want (provided they are not pledged as security for a loan).  For cash withdrawals >€5k we require 24hrs notice.

Free life savings insurance

Savings are insured at no direct cost to each eligible member. The insurance is paid in addition to the savings you hold at the time of your death.

No transaction fees.

With us, there are no administration charges or arrangement fees, no hidden extras or nasty surprises. What you see is what you get.

Flexible & Convenient Loans

Members can take out flexible loans after joining, and repay at tailor-made schedules.

Great value loan rates.

We offer loans from as little as 4.99%.

Free loan protection insurance to eligible members.

It means that, in the unlikely event of your passing during the term of your loan, your dependents won’t have to pay the outstanding balance, if applicable.

Free online banking & mobile app.

You can access your accounts wherever you have an Internet connection, whether it’s your home PC or mobile device.

Quality Service

You can be assured of a professional service from Credit Union at all times.

Pay by Direct Debit

Arrange a Direct Debit payment from your bank and be sure of regular payments to your Credit Union account. We will send you a statement showing all transactions, on request.

Member Services

Take advantage of a host of additional member services available. We have arranged special house and motor insurance discounts for our members. See our other benefits section for more details. Ask any staff member for more details about joining the Credit Union, or for further information see the different sections of this web site.

Joining the Credit Union is the best decision you could make for your money.

To become a member just call in person to the Kilrush office along with following documents:

• Photo ID – Passport / Drivers Licence / National ID Card
• Proof of Address – Utility Bill / Bank Statement (dated within the last 6 months)
• PPSN – Personal Public Service Number (on official documentation)
• €10 to activate the account.

A member of staff will go through the application process with you. Please allow at least 20 minutes of your time for this.

If you cannot comply with the above requirements please talk to a member of our staff.

Our Credit Union lets people in the community come together to save and borrow money at low rates, and is operated on a not-for-profit basis, with surpluses being returned to members.

Working but not living in the area?

If you are working but not living in the Kilrush Credit Union Common Bond and would like to open an account, please also bring with you a letter from your employer or payslip confirming your place of employment.

Membership of Kilrush Credit Union is open to anyone & their family members who live or work within our Common Bond.

What is the ‘Common Bond’?

This is what unites all members of a Credit Union. The Common Bond defines the geographic area in which we can operate as a community credit union.  Any member of staff can advise you on the boundaries of our common bond.

Junior accounts

To open a junior account (for under 16 year olds), you need :

• birth certificate or passport
• PPS number on official documentation
• proof of parent’s identification, e.g. passport, driving licence and proof of parent’s address, e.g. current utility bill (within the last 6 months)