At the heart of Irish life for over 60 years

Owned by our members, rooted in our communities, and here to help you move forward through every stage of life.

The Credit Union

Finding you a new way home

Since 1958, Ireland’s Credit Union movement has helped generations of people save, borrow and build better futures. Today, Credit Unions have over 3.5 million members across the Republic of Ireland. Owned by their members and run on a not-for-profit basis, they put people at the heart of everything they do.

The Credit Union

Their local knowledge and personal service reflect a deep understanding of the communities they serve. That enduring connection is reflected in their recognition as Ireland’s most reputable organisation for four consecutive years in the RepTrak-powered Ireland Reputation Index. It’s a proud tradition of people helping people, still going strong.

Membership

Who can join a Credit Union?

Every Credit Union serves a particular community. This is called its common bond, simply the connection that makes you eligible to join.

For some Credit Unions, you can join if you live, work or study in the local area they cover. Others serve people who work in a particular profession, industry or for a specific employer.

In some cases, you may also qualify through a close family member who is eligible or already a member.

Finding your Credit Union

You can find a Credit Union near you by using our handy ‘Find my Credit Union’ facility. It’ll check your employment and home address to see which Credit Union you qualify for.

Don’t forget, if you’ve a family member already in a Credit Union or who works in one of the covered categories of employment, keep that in mind and call their Credit Union directly to check if you can become a member there too.

Find your Credit Union

Where to apply

Participating Credit Unions

Credit Union mortgages are available from more than 170 locations nationwide. Please see a list below of Credit Unions offering a Credit Union mortgage.

A

  • Abbeyfeale Credit Union Limited
  • Arklow Credit Union Limited
  • Aviate Credit Union Limited

B

  • Ballinasloe Credit Union Limited
  • Ballincollig Credit Union Limited
  • Bantry Credit Union Limited

C

  • CANA Credit Union Limited
  • Capital Credit Union Limited
  • Carlow District Credit Union Limited
  • Carrick-on-Suir Credit Union Limited
  • Cavan Credit Union Limited
  • Claddagh Credit Union Limited
  • Cois Sionna Desmond Credit Union Limited
  • Core Credit Union Limited

D

  • Derg Credit Union Limited
  • Donore Credit Union Limited
  • Drogheda Credit Union Limited

E

  • Elevate Credit Union Limited
  • Enfield Credit Union Limited

G

  • Gateway Credit Union Limited

H

  • Heritage Credit Union Limited
  • HSSCU Limited

I

  • Inspire Credit Union Limited

K

  • Kanturk Credit Union Limited
  • Kilcock-Kilcloon and District Credit Union Limited
  • Killarney Credit Union Limited
  • Kilmallock Credit Union Limited

L

  • Larkhill & District Credit Union Limited
  • Lifford Credit Union Limited
  • Lisduggan District Credit Union Limited

M

  • Midleton Credit Union Limited
  • Monaghan Credit Union Limited
  • Mountmellick Credit Union Limited

N

  • Naomh Breandáin Credit Union Limited
  • New Ross Credit Union Limited
  • North Midlands Credit Union Limited

O

  • Our Lady Crowned Credit Union Limited

P

  • Palmerstown Credit Union Limited
  • People First Credit Union Limited
  • Premier Credit Union Limited
  • Public Services Credit Union Limited

S

  • Savvi Credit Union Limited
  • St. Colman’s Credit Union Limited
  • St. Francis Credit Union Limited

T

  • The Lough Credit Union Limited
  • Tipperary Credit Union Limited
  • TUI Teachers Credit Union of Ireland Limited

W

  • West Midlands Credit Union Limited
  • Westport Credit Union Limited

Member Stories

Members who’ve been through it

Behind every mortgage is a person or family with plans of their own. These are the stories of members finding their way forward with their local Credit Union.

Over 400 member mortgage stories

  • We were renting in Palmerstown and really wanted to stay near family. Our Credit Union talked us through the mortgage without making it feel like a big mystery. Getting the keys to our own place still feels a bit mad!

    Aisling & Eoin,Palmerstown Credit Union

  • Buying our first place was exciting, but the mortgage side had us a bit lost. Helena at Arklow Credit Union took the time to talk it through, and we never felt rushed asking questions.

    Ger & Elaine,Arklow Credit Union

Get a Credit Union Mortgage Today

Whether you’re buying your first home, moving somewhere new, building or switching your mortgage, your Credit Union can help make it happen.

Find your Credit Union

Lending criteria, terms and conditions apply. Applicants must be over 18 and resident in the Republic of Ireland. Mortgage approval is subject to a satisfactory assessment of suitability and affordability. For Green rates the property must have a certified Building Energy Rating (BER) between A1 and B3. If the validity date on your BER certificate is after 24th May 2026, your property will need to have a rating of A0, A or B. Your BER certificate must be no more than 10 years old. If you are building a home, a provisional BER certificate will be required prior to first stage drawdown. If you are doing works to improve the energy rating of your home, the Green rate will be applied to your loan once the works are complete and the qualifying BER certificate has been received. Deferred start option not available on Self Build mortgages. The maximum loan amount is typically 3.5 times your gross annual income (or up to 4 times for first-time buyers) and can be no more than 90% of the property’s value. The monthly repayment on a 20-year mortgage with a variable borrowing rate of 3.85% on a mortgage of €100,000 is €598.11 for 240 months. Total amount repayable is €143,545. If interest rates increase to the cap of 4.40%, an additional €29.15 would be payable per month. *APRC stands for Annual Percentage Rate of Charge and is the true cost of a mortgage expressed as a yearly percentage, allowing you to compare between lenders. In this example, an APRC of 3.92% applies and consists of variable borrowing rate of 3.85%. It does not include valuation fees, legal fees, or other third-party charges that may apply.