Bruff Credit Union Limited

Bruff Credit Union Limited is a member-owned financial cooperative based in Bruff, Co. Limerick, serving people who live, work, or study within its common bond area. It provides core credit union services, notably savings (shares) and personal loans such as car, education, and home-improvement borrowing, with lending decisions based on affordability and creditworthiness. Loan interest is charged on the reducing balance and early repayment is permitted without penalty; actual rates, terms, and lending limits are set locally and can change. Savings returns, whether by dividend or interest, are approved annually and are not guaranteed. The credit union is regulated by the Central Bank of Ireland, and eligible deposits are covered by the Deposit Guarantee Scheme up to €100,000 per person per institution. Governance operates on a one‑member‑one‑vote basis through a board elected by members at the AGM. Opening an account requires standard anti‑money‑laundering documentation (photo ID, proof of address, and PPS number). Service channels, fees, and any additional facilities (for example, a current account or debit card) should be confirmed directly with the credit union. Complaints follow the internal process first and, if unresolved, may be referred to the Financial Services and Pensions Ombudsman.