Athlone Credit Union Limited

Athlone Credit Union Limited is a member-owned financial cooperative based in the Athlone area of Ireland, operating under a common bond that typically includes people who live, work, or study locally. It is regulated by the Central Bank of Ireland and eligible deposits are protected up to €100,000 per person under the Deposit Guarantee Scheme. The credit union provides core retail services centered on savings (share accounts, including juvenile options) and consumer lending, with loan types commonly used for car purchase, home improvements, education, and general personal borrowing; share-secured (“covered”) loans are also offered in line with standard credit union practice. Loan pricing is published as an annual percentage rate and applications are assessed for creditworthiness and affordability; terms and limits are set by policy and regulation. Dividends or interest on members’ savings, if any, are determined annually based on performance and are approved by members at the AGM, so they are not guaranteed. Members can access accounts and make electronic transfers to and from external bank accounts, and online application routes are available for selected services. The organisation is governed by an elected board and operates within statutory capital, liquidity, and lending frameworks set for Irish credit unions. Eligibility criteria, required identification for account opening, product terms, interest rates, fees, and service hours are subject to change and are published by the credit union.