Member benefits

Member benefits - Banking with a Difference

What makes the Credit Union different?

Whether you’re after everyday banking, a loan, or saving for the future — being a member of Kilrush Credit Union gives you access to all the financial services you’d expect … but with a difference. Because here, people come first.

How we are different?

At Kilrush Credit Union, you get the full range of modern financial services — from current accounts and debit cards to online banking, instant payments and flexible, fair loans.
What sets us apart is how we deliver them: no distant shareholders, no profit-driven culture, just local people making decisions with your best interests at heart.

Explore the benefits of being a member — and why thousands in West Clare continue to choose their Credit Union.

1. Full-Service Banking — Just Like a Bank (and More)

  • Current Account + Debit Card — day-to-day banking for wages, bills, expenses.

  • Online & Mobile Banking — manage your money from your phone or computer, anytime, anywhere. 

  • Instant Payments / Modern Payment Options — including debit-card, contactless or digital-wallet style services (so you don’t miss what you expect from a “normal” bank).

1. Full-Service Banking — Just Like a Bank (and More)
2. Competitive Loans & Flexible Borrowing

2. Competitive Loans & Flexible Borrowing

  • Borrow up to €100,000 with competitive rates starting from 4.99%, covering cars, home improvements, education and more.

  • Local decisions & no hidden fees — no early repayment penalties, no surprises, just straightforward lending.

  • Member-first approach — from friendly support to Loan Protection Insurance for many members, borrowing stays simple, secure and personal.

3. Savings & Peace of Mind

  • Secure & protected — your savings are covered under the Deposit Guarantee Scheme, just like any bank.

  • Flexible access — withdraw your money whenever you need it (subject to standard rules), with no fees.

  • Extra peace of mind — many members receive free Savings Insurance, and you can also complete a Nomination, allowing up to €27,000 of your savings to go directly to your chosen person after your death, without waiting for probate.

3. Savings & Peace of Mind
4. Transparent, Fair Fees & Member-First Ethos

4. Transparent, Fair Fees & Member-First Ethos

  • No hidden extras — no sneaky admin charges or unexpected fees. What you see is what you get. 

  • Member-owned & not-for-profit — as a cooperative, surplus is reinvested for members’ benefit, not paid to shareholders. 

  • Fair, honest decisions — lending, service, and support are delivered locally, by real people, not remote algorithms.

5. Convenience & Accessibility (Banking on Your Terms)

  • Online banking + mobile app + full service account gives flexibility for busy lives (work, family, evenings). 

  • Ability to manage savings, loans, payments all under one roof — easier than juggling multiple banks or services.

  • Pay loans via Direct Debit, making repayments straightforward and predictable.

5. Convenience & Accessibility (Banking on Your Terms)
6. Member Protections & Insurance Benefits

6. Member Protections & Insurance Benefits

  • Loan Protection Insurance — giving peace of mind that loan obligations are covered in case of death (where eligible).

  • Life Savings Insurance for savings — protecting your savings asset for dependents.

7. Community-Driven Values — Still at the Heart

  • Member-owned and community-focused — you’re not just a customer but a co-owner and neighbour, part of something local and meaningful. 

  • Surpluses & benefits returned to members (either as savings dividends or loan interest rebates) rather than distant shareholders. 

  • Transparent, ethical approach — banking with a human touch rather than corporate profit motive.

7. Community-Driven Values — Still at the Heart
8. One Membership — A Range of Services for Life

8. One Membership — A Range of Services for Life

  • Whether you need day-to-day banking, savings, a personal loan, car loan, or want to save for the future — everything is under one membership.

  • You don’t need multiple providers: current account, savings & loans wrapped together, with the member-first ethos.

  • Ideal for modern life — flexibility, convenience, but with local values and personal service.

9. Investing Back Into Our Community

  • Every year we support local clubs, schools, charities and community groups. Sponsorships and local partnerships help keep our area thriving.

  • Through our Community Fund, we help make projects happen — from sports facilities to inclusion initiatives and youth programmes.

  • When you bank locally, your money stays local — benefitting friends, neighbours, and the next generation.

9. Investing Back Into Our Community

Becoming a member of Kilrush Credit Union means more than accessing great financial services — it means connecting with a community that puts people first.
We’re here for you, your family and your future, with fair options, personal service and a commitment to West Clare that hasn’t changed.

Join a Credit Union that knows you — and is proud to serve you.

Kilrush Credit Union – Here for People. Here for Community.

Find out more about joining or reactivating your membership here.