Listowel Credit Union Limited

Listowel Credit Union Limited is a member-owned financial co-operative based in Listowel, Co. Kerry, serving individuals who live, work, or study within its defined common bond. It is regulated by the Central Bank of Ireland under the Credit Union Act 1997 (as amended), and eligible savings are covered by the Deposit Guarantee Scheme up to €100,000 per person. The organisation’s core services are share (savings) accounts and personal loans for common purposes such as car purchase, home improvements, and education, with rates and terms published by the credit union and lending decisions based on affordability and repayment capacity; secured lending against savings may also be offered. Returns on savings are not guaranteed and any dividend or interest is determined annually based on available surplus and board approval. Members can typically use online services to view accounts and apply for loans; availability of a full current account, debit card, and mobile wallet functionality varies across Irish credit unions and should be confirmed with the branch. Membership requires meeting the common bond and providing standard identification and proof of address under anti-money-laundering rules. Savings caps and transaction limits may apply. Non-lending fees are limited, though charges can apply for payment or ancillary services. Audited financial statements and AGM materials are published annually, and unresolved complaints may be referred to the Financial Services and Pensions Ombudsman.