Cairde Credit Union Limited

Cairde Credit Union Limited is a member-owned financial co‑operative in Ireland providing savings and lending services within a defined common bond. It is regulated by the Central Bank of Ireland under the Credit Union Act 1997 (as amended) and related regulations governing capital, liquidity, governance and lending. Membership is limited to people who live, work or study in the approved area and requires standard identification and address verification. Core services typically include share (savings) accounts and unsecured personal loans for purposes such as car purchase, home improvement or education, with interest rates set by the board within regulatory limits; loan approvals are based on affordability assessments, credit checks and supporting documentation. Returns on members’ shares, if any, are not guaranteed and are usually paid as discretionary annual dividends and/or loan interest rebates, subject to surplus and member approval at the AGM. Eligible deposits are covered by the Irish Deposit Guarantee Scheme up to €100,000 per person per institution. The credit union publishes audited annual financial statements and maintains a formal complaints process, with unresolved cases referable to the Financial Services and Pensions Ombudsman. Service availability, fees, opening hours and any digital or card-based features are determined by the credit union’s own offerings and are subject to change; prospective members should review current terms and eligibility before applying.