Under the European Communities(Payment Services) Regulations 2009-Regulation 53
Regulation 53 set out the information, terms and conditions under which the Credit Union must abide by in the operation of members’ accounts
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Services 
Insurances
Insurances
Insurances
Life Savings Insurance
- This insurance is provided at no direct charge to Members - it is paid for by Enniscorthy Credit Union Limited
- Available to Members who join before their 70th birthday and are "fit to follow their normal occupation or duties"
- Paid on the death of the Member
- Benefit paid in proportion to the amount of savings a Member has (Max €20,000) and depends on the Member's age at date of lodgement
- Both names on joint accounts covered.
- See table below
| Age | Benefit |
| Up to 55th Birthday | 100% insured on balance or lowest balance therafter |
| 55 - 60th Birthday | 75% insured on balance or lowest balance thereafter |
| 60 - 65th Birthday | 50% insured on balance or lowest balance thereafter |
| 65 - 70th Birthday | 25% insured on balance or lowest balance thereafter |
Loan Protection Insurance
- This insurance is provided at no direct charge to Members - it is paid for by Enniscorthy Credit Union Limited
- Clears loans in the death of the Member
- Available for those aged 16-80 years.
- Declaration of Health "I confirm that I am fit to follow my normal occupation or duties" usually required for larger loans.
- Also covers total and permanent disability, up to €40,000.00 before age 60.
- Both names on joint accounts covered
Death Benefit Insurance
- Members must join before their 70th Birthday
- The basic benefit is €1,950 payable on the death of the Member
- The Death Benefit Insurance is provided at no direct cost to you the Member
- Death Benefit Insurance (DBI) is designed to relieve he burden of bereavement costs
Repayment Protection Insurance
Optional Extra which meets your loan repayment for a specified period of time if you are forced out of work because of • Sickness • Accident • Redundancy
Only available to employed and self employed. Terms and Conditions apply.