Welcome to the Enniscorthy Credit Union Limited website.
We are a local, not for profit financial institution. We specialise in providing a safe place for savings and loans in our community. Enniscorthy Credit Union Limited was founded following a public meeting held in Bennetts Hotel, Enniscorthy, on Monday 13th April 1964.
The following comprised the first Board of Directors: John L. Kickham (Chairman), Aidan O’Leary (Hon. Treasurer/Secretary), Mrs. T. J. Conlon, Louis Kerr, Michael Treacy, Paul Murphy, Patrick McGill, Charles Cullen, Patrick Farrell, Denis O’Connor and Thomas Kelly. Mrs. M. Murray, Messrs. Timothy Counihan and William Roche were appointed as Credit Committee and Messrs.
James J. O’Leary, William Hastings Brown and Patrick Bourke were named as Supervisors.
The Directors decided to provide credit union facilities on Friday Nights between 7.30 p.m. and 8.30 p.m., accommodation being provided by the Governing Body of the Athenaeum.
The Credit Union used the Athenaeum accommodation until the 1st November, 1968 when it moved across the street to rooms let by Mr. P. Bourke, Castle Street. Friday night opening still applied with directors and other committee members acting as tellers.
In December 1970, the directors decided to advertise for a full-time employee and on the 11th January, 1971, Mr Seamus Comerford was appointed to the position. The credit union was now open to the public on 4 days in the week.
Almost from the time of its inception, the directors harboured the ambition of purchasing a premises for credit union use. In April 1972 they acquired No1 Market Square, which was officially opened in October 1973 by President Erskine Childers.
In 1972 a second member of staff was employed and this coincided with the purchase of an accounting machine which was the first sign of technology and computers in the credit union.
From 1972, when the first piece of technology was purchased until 1981 much progress was made in developing the credit union especially from a technological viewpoint. Then in 1981 the pinnacle of development occurred when the credit union invested in some of the most modern computer equipment available which enabled the members to receive an up to date balance on their account each time they carried out a transaction.
In 1994, thirty years after the initial meeting was held to establish a credit union in the town the membership had grown to a staggering nine thousand five hundred who had a combined savings of €6,844,681 and had loans to the value of €5,298,791. By now the credit union had become one of the great success stories of the community and had out grown its premises in the Market Square.
Following the Christmas break of 1994 Enniscorthy Credit union Ltd., opened its doors to a brand new purposely built building in Abbey Square, where it is currently located.
Early in 2010 another chapter began in the life of Enniscorthy Credit Union, when proceedings began in order to carry out a transfer of engagements of Ballymurn Credit Union to Enniscorthy Credit Union. The transfer of engagements took many months of meetings and discussions and was completed by the end of September 2010. Following the amalgamation the total membership of Enniscorthy Credit Union stood at over 26,000 members with an asset size of almost €145 million. The original premises used by Ballymurn Credit Union in Ballymurn Village now acts as a sub office and provides all the services provided by our main office at Abbey Square.
In early 2016 Enniscorthy Credit Union and Piercestown & District Credit Union entered talks about a transfer of engagements. After many meetings and talks, the two credit unions merged into one and we now have sub offices in Murrintown and Taghmon. We now have over 30,000 members and our common bond stretches over nearly half of County Wexford's area.
Online access to member accounts has given enhanced service to members who can now access their balances online, make payments and transfers and pay into their credit union account using their debit card. This service means that members can do online almost everything they can do at the counter.
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Enniscorthy Credit Union is controlled and directed by a voluntary Board of Directors. The Board is elected by the Members of the Credit Union at the Annual General Meeting, which is held in Enniscorthy every November.
The Board has appointed a Manager and staff to run the day-to-day operations of the Credit Union.
Monthly Board meetings set policy, plan for the future development of the Credit Union and monitor the operations and finances.
The Board is comprised of eleven members of different backgrounds and ages who share an enthusiasm for Credit Union and some skills that are of use to the Board and a willingness to spend a few hours every week to discharge their duties.
The current Chairperson of the Credit Union is Nicholas Cosgrave. The Vice Chairperson is Tommy Tyrrell, and the Secretary is Kevin Lawlor.
The other Directors are: Mairead Breen, Patricia Doyle, John Furlong, Frances Cross, Emma Redmond, Padraig Hall, Willie Dunne and Julie Breen.
At the Annual General Meeting, the Members also elect a Board Oversight Committee whose role is to assess whether the board of directors has operated in accordance with Part IV and Part IVA of the 1997 Act, which Parts relate to the Management of Credit Unions, and any regulations made under Part IV or Part IVA of the 1997 Act. The current Board Oversight Committee members are John Higgins, Paul O'Rourke and Eileen Murphy.
The Manager is Liz Cullen. The other staff members are Liam Waters (Assistant Manager and Risk & Compliance Officer), Bernie Morrissey (Business Development & Training Officer), Mark Daly ( Operations Officer), Nancy Fenlon, Jennifer Cahill, Mairead Kearney, Michelle Connolly, Orla Doyle, Janet Doyle, Teresa Dobbs, Elizabeth Butler, Sinead Browne, Madeleine Doran, Alice Culleton, Jeanette Murphy, Lena Rowe, Mary Ellen Turner, Brenda O’Keeffe, Mary Hennebry, Edel Morrissey, Tanya Gregory, Barbara Cullen, Mary Anne Dempsey, Teresa Devereux, Michelle Whitty, Mary Rowan, Ita Whelan-Power, Noreen Ryan, Sandra Doyle, Alan Doyle, Margarita O'Connor, Hilary Pepper, Helen Duggan, Cynthia Scallan, Doreen Gibbons, Debbie Chamartin, Helen Duggan, Orla Byrne, Yvonne Morris, Grace Kelly, Judith Webster, Marie Dempsey, Deirdre Doyle, David Dunne, Anna Somers, Ciara Howe, Darren Smyth, Niamh Sinnott, Aine Doyle, Lisa Doherty & Gillian Foley.
EUROPEAN COMMUNITIES (PAYMENT SERVICES) REGULATIONS 2009 (the “Regulations)
REGULATION 53 INFORMATION (this is your ‘framework contract’ with us in relation to the particular account for the purposes of the Regulations).
Enniscorthy Credit Union Ltd is regulated by the Central Bank of Ireland
Contact details for the Central Bank of Ireland are:
Address: PO Box 559, Dame Street, Dublin 2
Telephone: 01 224 4000
Fax: 01 671 6561