Athenry Credit Union Limited

Athenry Credit Union Limited is a member-owned financial cooperative based in Athenry, County Galway, providing savings and lending services to individuals within its common bond. Membership is typically available to people who live, work, or study in the defined area, subject to standard identification, proof of address, and PPS number requirements. Members hold shares in the form of savings; any dividend or interest rebate is not guaranteed and depends on annual performance and board approval. The credit union is regulated by the Central Bank of Ireland, and eligible deposits are covered by the statutory Deposit Guarantee Scheme up to €100,000 per person per institution. Lending usually covers personal purposes such as car, home improvement, education, and general unsecured needs, with applications assessed on affordability and creditworthiness; interest rates, terms, and maximum amounts are set locally and can change, and supporting documentation is required. Governance follows Irish credit union legislation, with audited financial statements and an annual general meeting where members vote on matters such as distributions and board appointments. Day-to-day access is via the branch and standard contact channels, and any digital services are determined locally. Fees, charges, and up-to-date product details should be confirmed directly with the credit union. Unresolved complaints can be referred to the Financial Services and Pensions Ombudsman.