Lismore and Cappoquin Credit Union Limited

Lismore and Cappoquin Credit Union Limited is a member-owned financial co‑operative serving the communities of Lismore, Cappoquin and surrounding areas in County Waterford, operating under a common bond that typically includes those living, working or studying locally and, in some cases, family members of existing members. It is regulated by the Central Bank of Ireland and eligible deposits are covered by the statutory Deposit Guarantee Scheme up to €100,000 per person per institution. Core services generally include share (savings) accounts and consumer lending such as personal, car and home improvement loans, with applications assessed on affordability and creditworthiness; some loans may be secured against members’ savings. Dividends or interest on savings are not guaranteed and depend on performance and board decisions, and savings limits or lodgement caps may be enforced for balance-sheet management. The credit union typically provides electronic payments, standing orders and direct debits, with online or mobile access available for account viewing and loan applications, subject to registration; specific features and fees are set out in its schedule of charges. Membership requires standard identification and address verification, a Personal Public Service Number and a minimum share balance. Governance follows the one‑member‑one‑vote principle, with a volunteer board overseeing strategy and compliance. Customers can raise complaints through the credit union’s internal process and, if unresolved, refer them to the Financial Services and Pensions Ombudsman. Prospective and existing members should review current product terms, interest rates, opening hours and any service limitations directly with the credit union before applying.