and to confuse matters more the interest/dividend on cu shares appears to be open to whether you have to pay the difference. I thought that when Charlie was minister for finance he negotiated with the credit unions for a 'level playing pitch' as regards to taxation/dirt. anyone who agreed to pay 20% at source was not required to pay the the 41% but anyone who didn't was liable for it. If you look at a tax form you will see the revenue have a secion for untaxed interest and they include credits unions n this section. which is confusing/misleading to say the least, especally for people who have already paid the 20% and might include the net figure in this return, unaware perhaps that they have already had tax at 20% deducted.