Why Join Carlow Credit Union

We’re here for you

Carlow Credit Union is owned by its members, for the benefit of its members. We have been part of the local community for over 50 years now.

We’re not for profit

We are not just another bank or financial institution. We exist for people, not for profit. Everything we do is in the best interest of our members.

We offer great value loan rates

We offer loans from as little as 4.75% (4.86% APRC) which makes us one of the most competitive in the market.

We approve 94% of all loan applications.

Yes, you read correctly. We approve over 94% of all loan applications. So if there’s something you want but need a helping hand, just ask, as we seldom refuse genuine loan applications from good standing members.

Free life savings insurance

Savings are insured at no direct cost to each eligible member. The insurance is paid in addition to the savings you hold at the time of your death.

Free loan protection insurance

It means that in the unlikely event of your passing during the term of your loan, your dependents won’t have to pay the outstanding balance.

No transaction fees

With us, there are no administration charges or arrangement fees, no hidden extras or nasty surprises. What you see is what you get.

Savings guarantee

Your savings are fully secure. They are protected by the Irish Government’s Deposit Guarantee Scheme (up to a maximum of €100,000). There’s also the Irish League of Credit Unions’ Saving Protection Scheme and our fidelity bond.

Easy access

We’re open Monday to Friday, including lunchtime, and up to 7pm on Friday evenings. We’re also contactable by telephone, email and social media.

Online banking & mobile app

You can access your accounts wherever you have an Internet connection, whether it’s your home PC or mobile device.