Firhouse Credit Union Limited

Firhouse Credit Union Limited is a member-owned financial cooperative operating under the Credit Union Act 1997 (as amended) and serving a defined local common bond in south Dublin. It is authorised and regulated by the Central Bank of Ireland, and member deposits (shares) are protected up to €100,000 per person under the statutory Deposit Guarantee Scheme. Membership is limited to individuals who live, work, or study within its common bond, subject to identity and address verification. Core services focus on savings (share) accounts and consumer lending to members for purposes such as personal, car, education, or home improvement; lending decisions are based on affordability assessments and may include consultation of the Central Credit Register, and pledged savings or guarantors can be required for certain facilities. Returns on savings are not fixed interest; any annual dividend on shares or loan interest rebate depends on financial performance and requires approval at the AGM, so distributions can vary and may be zero. Loan rates and any applicable fees are set locally within regulatory parameters and disclosed in product documentation and pre-contract information. Governance follows the Irish credit union model with an elected board and oversight committees, audited accounts are filed annually, and risk and compliance frameworks are maintained in line with Central Bank requirements; unresolved complaints can be referred to the Financial Services and Pensions Ombudsman.