Tallaght and District Credit Union Limited

Tallaght and District Credit Union Limited is a member-owned financial cooperative based in the Tallaght area of Dublin that serves individuals within a defined common bond, typically people who live, work, or study locally. It provides core credit union services, including share (savings) accounts and personal loans for purposes such as car purchase, home improvements, education, and general borrowing, with lending decisions based on affordability and creditworthiness and interest charged on a reducing balance. The organisation operates under the Credit Union Act 1997 (as amended) and is regulated by the Central Bank of Ireland; eligible member savings are covered by the statutory Deposit Guarantee Scheme up to €100,000 per person per institution. Surpluses, when available, are proposed to members at the annual general meeting and may be returned as a dividend on shares or a loan interest rebate, neither of which is guaranteed. Membership requires standard identification and verification (photo ID, proof of address, and PPS number), and members have voting rights on a one-member-one-vote basis with a board elected from the membership. Services are delivered through its branch in the Tallaght district, with details of opening hours, loan rates, and any service limits set locally and subject to change. The product range is focused on retail customers rather than businesses, and some services common at banks—such as broad international payments or specialist accounts—may be limited. Complaints that are not resolved through the credit union’s internal process can be taken to the Financial Services and Pensions Ombudsman. Prospective members and borrowers should confirm the current common bond boundary, documentation requirements, and applicable terms before opening an account or applying for credit.