Finglas Credit Union Limited

Finglas Credit Union Limited is a member-owned financial co‑operative serving individuals within its common bond in Finglas and surrounding areas of Dublin, operating under the Credit Union Act 1997 and supervised by the Central Bank of Ireland. It provides core credit union services including share-based savings and unsecured personal lending (such as for car purchase, home improvement, education, and general purposes), with lending decisions subject to affordability and creditworthiness checks; secured lending against members’ shares may also be available. Membership requires eligibility under the common bond, standard identification and address verification, and the opening of a share account; junior accounts are typically accommodated. Dividend distributions on savings and any loan interest rebates are discretionary, depend on annual surplus, and are not guaranteed; fees, interest rates, savings caps, and withdrawal conditions are set locally by the board and published in the credit union’s schedule of charges and rates. The credit union facilitates lodgements and withdrawals, electronic fund transfers, standing orders, and loan repayments; service availability is centred on its Finglas office, with opening hours and transaction limits defined by policy. Member deposits are eligible for protection up to €100,000 per person under the statutory Deposit Guarantee Scheme, and the credit union is subject to the Consumer Protection Code and oversight by the Financial Services and Pensions Ombudsman for complaints handling. As a community credit union, eligibility is restricted to the common bond and the product set is narrower than a full-service bank; prospective members should confirm current membership criteria, documentation requirements, loan terms, and any caps or notice periods on savings before applying.