Gort Credit Union Limited

Gort Credit Union Limited is a member-owned financial co‑operative based in Gort, operating under the Credit Union Act 1997 and regulated by the Central Bank of Ireland. Membership is restricted to individuals within its common bond (typically residence, employment, or study in the local area, or qualifying family ties), and requires standard documentation such as photo ID, proof of address, and PPS number. Core services include share and savings accounts and unsecured personal lending for purposes such as car purchase, home improvement, or education, with interest quoted as APR and loans subject to affordability and credit assessment; early repayment is generally permitted without penalty and loan rates and criteria are published by the credit union. Returns on savings are paid as a dividend or interest at the board’s discretion and depend on annual surplus; returns are not guaranteed and are subject to DIRT where applicable. Eligible member deposits are protected up to €100,000 per person under the Irish Deposit Guarantee Scheme. Day‑to‑day access typically includes branch services and online facilities for balances, transfers, and payments (such as SEPA transfers, standing orders, and direct debits), with any current account or debit card features and related fees determined by the credit union’s published schedule. Standard credit union protections, including loan protection and life savings insurance, may apply subject to terms and age/health limits. Governance is through a member‑elected board, audited financial statements, and an annual general meeting. Complaints follow the credit union’s internal process and can be escalated to the Financial Services and Pensions Ombudsman. Savings limits, withdrawal conditions, and product availability are set by the credit union and can change.