Cabra Credit Union Limited

Cabra Credit Union Limited is a member-owned financial cooperative serving individuals within its common bond in the Cabra area of Dublin, operating under the Credit Union Act 1997 (as amended) and regulated by the Central Bank of Ireland. It provides core retail services typical of Irish credit unions, including share-based savings and personal lending for purposes such as car purchase, home improvement, and education, with loan approval subject to affordability, documentation, and credit checks. Access is primarily branch-based, complemented by online services that generally allow members to view balances, move funds within SEPA, and submit loan or membership applications where available; specific features, fees, and limits are set by the credit union and can change. Savings caps and lending limits may apply, and any dividend on shares or loan interest rebate is contingent on annual surplus and member approval at the AGM. Eligible deposits are protected up to €100,000 per depositor by Ireland’s Deposit Guarantee Scheme; this does not cover securities or non-deposit investments. Governance is by an elected volunteer board with statutory oversight, risk management, and reporting requirements enforced by the regulator. Complaints follow the credit union’s internal process and, if unresolved, can be escalated to the Financial Services and Pensions Ombudsman. Prospective members should confirm common bond eligibility, identification requirements, current rates, charges, and service availability directly with Cabra Credit Union Limited before applying.