Credit Union Plus Limited

Credit Union Plus Limited is an Irish member-owned credit union regulated by the Central Bank of Ireland and operating under a defined common bond; membership typically requires proof of identity, address and PPSN, with accounts available for adults and minors subject to standard documentation. It provides core credit union services including share-based savings and consumer lending such as personal, car, home improvement and education loans, with credit decisions based on affordability and underwriting criteria; savings usually take the form of redeemable shares that may receive a dividend or interest, which is not guaranteed, and individual savings caps or temporary lodgement limits can apply. Service delivery includes branch access and remote channels, with online and mobile banking for account management and loan applications; where a current account is offered, it is provided via the sector’s shared platform with a debit card, SEPA transfers, direct debits and standing orders, and is subject to published maintenance and transaction fees. Loan protection and life savings cover are commonly provided subject to eligibility and terms. Eligible deposits are protected by the statutory Deposit Guarantee Scheme up to €100,000 per person per institution. The credit union is governed by a member-elected board and holds an annual general meeting; complaints are handled under the Consumer Protection Code with escalation to the Financial Services and Pensions Ombudsman if unresolved. Applicants should review the credit union’s current product terms, rates, fees and eligibility rules before proceeding.