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Our Credit Union is for People, Not for Profit!

Owned by its Members

A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. Credit unions offer members the chance to take control over their own finances by making their own savings work for them. Every Credit Union is owned by the members – the people who save & borrow with it.

Serving its Members

The Credit Union exists only to serve its members. When you save with the credit union you contribute to your credit unions loan fund – in effect by saving you are helping other members – members like you.

Run for People not Profit

The Credit Union is an organisation run for people, not for profit. Any surplus income generated is either returned to members by way of a dividend on your savings or a rebate of interest paid on your loan, and / or is directed to improved or additional services required by the members.

No Fees

There are no account fees, maintenance costs or charges on personal credit union accounts.

Free Services

We have a wide range of financial services available with a variety of discounts and free services for members. These include house insurance, car insurance and travel insurance.

Convenience

Online access to your accounts including the ability to transfer funds from your credit union account to other financial institutions or to pay bills and the ability to pay into your credit union account online using your debit card.

High Quality Service

Our mission is to meet members’ financial needs through quality service at the best value while maintaining financial stability. In doing so, we aim to provide the highest level of personal financial services in a friendly and professional manner.

Helping the Community

Many credit unions help to further community development and we are no exception, developing strong links with the local community and participating in a number of local initiatives as well as making a wide range of donations annually.

How we Differ from Banks

A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. Credit unions offer members the chance to take control over their own finances by making their own savings work for them. Every Credit Union is owned by the members – the people who save & borrow with it.

Become a Member

If you live, work, study or attend school in our Common Bond you are eligible to join Enniscorthy Credit Union

Common Bond Information

How do I Join?

Joining is Easy! To be eligible for membership of Enniscorthy Credit Union Limited you must be living or working within our common bond area. The common bond is the factor which unites all the members of Enniscorthy Credit Union Limited — it is what all members have in common i.e. where they live/work. Because of the common bond, all members have the good of their credit union at heart; they know and trust each other.

Call in to any of our offices, if you meet the eligibility criteria, a member of our friendly staff will go through your application with you.

You need to present 3 separate forms of identification to join and a minimum of €5 is needed to open an account and keep it activated. A once off joining fee of €0.15 applies to all accounts. See Junior Account Requirements.

Proof of ID

Evidence of Identification (must show proof of date of birth & recent photo)

  • Current Valid Passport
  • Current Valid Driving Licence
  • Current Valid National Identity Card
  • ML10 form with photo and signed by  a member of An Garda Siochana
  • Age Card issued by An Garda Siochana with birth certificate (up to age 25)
  • Birth Certificate with parents ID (Under 16). See Junior Account Requirements.

Evidence of Address

Evidence of Address (must show address where you currently live and be dated within the last six months) i.e.

  • Original of recent Utility Bill
  • Original Recent Bank/Credit Card Statement
  • Official Government/local authority correspondence
  • Household or Motor Insurance Certificate/Policy

Please note – Parents address verification will suffice for children under 16. See Junior Account Requirements.

Evidence of your PPS Number

  • Any revenue documentation (Pension Book, P60, P45)
  • Payslip
  • European Health Insurance card
  • Medical Card
  • GP Visit card

Please note: we cannot currently accept the Irish Public Service Card for any of the above.

For queries on junior accounts (under the age of 16), club accounts, or any other queries, please contact a member of our friendly staff who will be happy to help. Contact