Link Credit Union Limited

Link Credit Union Limited is a member-owned credit cooperative operating under Irish credit union legislation and regulated by the Central Bank of Ireland. Membership is limited to individuals within its common bond, typically based on where a person lives, works, or studies, and identification and address verification are required at account opening. Core services include savings (held as shares) and consumer lending for purposes such as cars, education, and home improvements, with additional options like loans secured against savings; interest rates, maximum terms, and eligibility criteria are set by the credit union and published in its tariff and lending documentation. Savings returns, where offered, are discretionary and not guaranteed, and any loan or account fees are disclosed in the schedule of charges. Where the credit union participates in the sector’s Current Account service, members can access a debit card and electronic payments (SEPA), along with online and mobile banking; exact features, wallet compatibility, and transaction fees should be confirmed directly before use. Member funds eligible under the Deposit Guarantee Scheme are protected up to €100,000 per person per institution, and the credit union publishes annual financial statements and holds regulatory reserves in line with Central Bank requirements. As with other Irish credit unions, products are designed for retail members within the common bond rather than for complex investment or corporate banking needs, and availability of mortgages, business accounts, or specialized services, if any, depends on the credit union’s specific product suite. Potential and existing members should review the latest terms, interest rates, and charges on the credit union’s website or in-branch before applying.