Public Service Credit Union Limited

Public Service Credit Union Limited is a member-owned financial cooperative serving individuals who meet its common-bond criteria, primarily linked to public service employment, and operates under Irish credit union legislation. It offers core retail services including share-based savings, personal lending (such as car, education, and home improvement loans) subject to affordability checks and use of the Central Credit Register, and payment services that typically include a current account with a debit card, SEPA transfers, standing orders, and direct debits, supported by online and mobile banking. The credit union is regulated by the Central Bank of Ireland, and eligible deposits are covered by the Deposit Guarantee Scheme up to €100,000 per person per institution; complaints can be taken to the Financial Services and Pensions Ombudsman if unresolved. Membership requires standard identification and address verification (and usually PPSN) and is governed by a common-bond rule; governance is by a member-elected board, and any dividend on savings or loan interest rebate is determined annually based on financial performance and regulatory constraints. Savings limits, loan amounts, rates, and fees are set by the credit union and may change, with lending decisions based on documented income, repayment capacity, and credit history. The institution provides branch-based service supplemented by digital channels, with typical features such as e-statements and online applications; availability of specific products or card services depends on its chosen service partners within the Irish credit union sector.