REASONS TO SAVE

You have easy access to your savings. You can withdraw some or all of your money whenever you want (provided they’re not pledged as security for a loan). There are no penalties for withdrawals. Please give 24hrs notice if you wish to withdraw >€5k in cash.

Your savings are fully secure and are protected by the Irish Deposit Guarantee Scheme.

Each year, any surplus income generated is returned to you as a dividend/interest rebate and/or reinvested to improve our services. Every share you hold in a share account is eligible to receive a dividend. This means, the more shares you hold, the greater your dividend.

There are no transaction fees or hidden charges on savings (or loan) accounts.

Savings are insured at no direct cost to each eligible member. The insurance is paid in addition to the savings you hold at the time of your death. Click here for more information .

St. Francis Credit Union is a member owned community based co-operative that exists only for the good of the people of County Clare.

As well as contributing to the financial health of our members through savings and loans, the Credit Union is also involved in a huge range of community organisations and events.

As a member you enjoy equal voting rights (one member, one vote) and are eligible to participate in decisions affecting the credit union.

Finally, you have the added bonus of knowing that your savings are put to good use and made available to fellow members in the form of loans.