St. Colmcille's (Kells) Credit Union Limited

St. Colmcille’s (Kells) Credit Union Limited is a member-owned cooperative serving people within its common-bond area around Kells, Co. Meath. It provides core credit union services, primarily share (savings) accounts and personal lending, with loan interest charged on a reducing balance and rates set locally; any dividend on shares or loan interest rebate depends on surplus and is not guaranteed. Membership requires eligibility within the common bond and standard identification/anti-money-laundering checks. Loans are subject to affordability assessment, credit history, and policy limits on amounts and terms; early repayment is generally permitted without penalty. The credit union is authorised and 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. Access is via branch and, where available, online or mobile channels for transfers, standing orders, and account viewing; availability of current accounts, debit cards, or business services depends on participation in sector-wide payment schemes and should be confirmed directly. Governance follows the Irish credit union framework, with a volunteer board, annual general meetings, and published financial statements; members have one vote regardless of balance. Opening hours, fees, and product terms can change, so applicants and members should verify current details with the credit union before applying or lodging funds.