Key Post List of Credit Union mortgage rates

Heritage Credit Union (Dublin)
Residence, education or employment or that of a family member in:
Rathfarnham Village, Capel Street, Fortfield, Harold's Cross, Manor Street, Nutgrove Shopping Centre, Rialto, Phibsboro, Thomas Street, Walkinstown or Windy Arbour. Unfortunately Heritage Credit Union do not specify their common bond area which is very wide around their offices.

Home

Apply for low-rate loans online now, with no hidden fees. Safe & secure alternative to traditional banks. Secure online banking & community-focused approach.
heritagecu.ie

Rate of interest 4% per annum variable (APRC 4.7 %).

Minimum and maximum amounts not on website unless you are a member.
Maximum term: 35 years
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Letterkenny Credit Union
Residence, education or employment or that of a family member in: Letterkenny but extends to Ramelton, Churchill, Kilmacrennan and Manorcunningham

Letterkenny Credit Union Ltd - Co. Donegal, Ireland

Letterkenny Credit Union is a community based co-operative providing savings, loans and other financial services to members in the Letterkenny area.
www.letterkennycu.ie

Rate of interest Variable 3.75% (APRC 3.81%)

Minimum Term 5 Years Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €600,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Claddagh Credit Union (Galway)
Residence, education or employment or that of a family member in: : Galway city or Oughterard (no common bond stated on website)

Claddagh Credit Union Ltd. - Galway

Claddagh Credit Union is community based co-operative providing loans, savings and other financial services in Galway. A Galway Credit Union.
www.claddaghcu.ie

Rate of interest Variable 3.95% (APRC 4.02%)

Minimum Term Not Stated Maximum Term 35 years (30 years for FTB)
Minimum Amount: Not stated
Maximum Amount: €400,000
No self builds.
Use Claddagh Credit Union Mortgages to find details page as not directly visible on web site
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
St Jarlaths Credit Union (Co. Galway)

Residence, education or employment or that of a family member in: Tuam, Headford, Dunmore, Glenamaddy, Turloughmore, Abbeyknockmoy, Mountbellow, Moylough, Glinsk, Williamstown, Corrandulla. Map of common bond couldn't be copied.

St Jarlath's Credit Union

St Jarlath's Credit Union - Providing Financial Services to our Members
www.stjarlathscu.ie

Rate of interest Variable 3.99%

Minimum Term Not Stated Maximum Term 35 years
Minimum Amount: Not stated
Maximum Amount: €250,000

PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Waterford Credit Union
Residence, education or employment or that of a family member in: Waterford city and Tramore (the common bond is not on website).

Waterford Credit Union Homepage - Waterford Credit Union2024

Waterford Credit Union are proud to be at the heart of our community for a total of 60 years, serving our loyal members and supporting many local businesses...
waterfordcu.ie

Rate of interest Variable 3.99% (APRC 4.06%)

Minimum Term 5 Years Maximum Term 35 years
Minimum Amount: €60,000
Maximum Amount: €500,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
North Midlands Credit Union
Residence, education or employment or that of a family member in:
Mullingar; Longford; Granard; Moyne; Castlepollard; Edgeworthstown; Kinnegad; Rochfordbridge; Tyrellspass; Ballymore; Ballymahon; Clondara.
Map on website but unable to copy.

North Midlands Credit Union Ltd. - Mullingar - Longford - Castlepollard - Kinnegad - Castlelost - Rochfortbridge - Westmeath

North Midlands Credit Union is a community based financial co-operative offering great rates on loans and savings to members.
www.northmidlandscu.ie

Rate of interest Variable 3.75% (APRC 3.82%)

Minimum Term None Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €250,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Tipperary Credit Union Ltd
Residence, education or employment or that of a family member in:
Tipperary Town and surrounding areas including Bansha, Doon, Dundrum, Cappawhite, Hollyford, Emly. It also includes Plassey (Castletroy) Limerick.

Tipperary Credit Union | Loans, Insurance and Banking

Tipperary Credit Union offers products and Services in Savings, Loans, Insurance and Banking. Tipperary Credit Union Limited is regulated by the Central Bank.
www.tipperarycu.ie

Rate of interest Variable 4.90% (APRC 5.00%)

Minimum Term None Maximum Term 35 years
Minimum Amount: None
Maximum Amount: €425,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Monaghan Credit Union
Residence, education or employment or that of a family member in:
Monaghan town - contact Monaghan Credit Union for details of common bond - not on website

Monaghan Credit Union Ltd

www.monaghancu.ie

Rate of interest Variable 3.75% (APRC 3.82%)

Minimum Term None Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €500,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Cara Credit Union

Cara Credit Union | We are here to help

Cara Credit Union for home improvement loans, student loans, car loan and general life loans, you’re local credit union in Tralee, Castleisland, Killorglin, Ballyduff and Causeway.
www.caracreditunion.ie
Residence, education or employment or that of a family member in:
Tralee and surrounding areas - The residence or employment in the Tralee postal district
Castleisland and surrounding areas - The residence or employment in any of the parishes of Castleisland, Firies, Ballydesmond and Killeentierna.
Killorglin and surrounding areas - The residence or employment within the Roman Catholic Parish of St James and the Kilgobnet Postal area west Gaddagh River and the areas of Glenbeigh and Glencar.
Ballyduff & Causeway and surrounding areas - he residence or employment of the catchment area of Causeway Comprehensive School. The principle villages within the area are Abbeydorney, Ardfert, Ballyduff, Ballyheigue, Causeway, Kilmoyley and Lixnaw.

Rate of interest Variable 5.50% (APRC 5.64%)

Minimum Term None Maximum Term 35 years
Minimum Amount: €25,000
Maximum Amount: €175,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
St Colmans Credit Union (parts of Mayo)
Residence, education or employment or that of a family member in:
  • The Dispensary area of Claremorrism, Hollymount
  • The Parish of Balla / Mayo Abbey
  • The Electoral division of Caraun, Ballindine, Crossboyne
  • The shared Parish of Knock
  • The Parish of Ballinrobe
  • Kilmaine, The Neale, Portroyal, Cappaghduff, Ballinchalla, Ballyovey, Owenbrin, Cong, Houndswood, Shrule, Kilcommon, Coonard, Foxhall, Cloghan’s Hill, Dalgan, Rosslae

Home - St. Colmans Credit Union Claremorris & Ballinrobe

With you every step of the way...
www.claremorriscu.ie

Rate of interest Up to €150,000 Variable 4.50% (APRC 4.70%)
Rate of interest >€150,000 < €250,000 Variable 3.45%

Minimum Term 6 months Maximum Term 20 years
Minimum Amount: None specified
Maximum Amount: €250,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Hi Wizard
You are doing great work there.
Thanks

Probably best to shorten the common bond description to something like "Mayo area"

Brendan
 
Westport Credit Union
Residence, education or employment or that of a family member in: the postal area of Westport, Newport and Louisburgh.

Westport Credit Union

Westport Credit Union - Providing members with LOW COST LOANS for over 50 years.
www.westportcu.ie

Rate of interest Variable 4.00% (APRC 4.07%)

Minimum Term 6 months Maximum Term 35 years
Minimum Amount: €80,000
Maximum Amount: €350,000
PPR (owner occupied) only (same for all Credit Unions)

One applicant if joint must be in employment
 
Last edited:
First Choice Credit Union
Residence, education or employment or that of a family member in: townlands of Achill, Balla, Ballyhaunis, Castlebar and Swinford Co. Mayo.

Home - First Choice Credit Union

First Choice Credit Union - where we make more possible! Serving communities in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh & Swinford.
firstchoicecreditunion.ie

Rate of interest Variable 4.00% (APRC 4.07%) (says depends on size of loan but no further details)

Minimum Term 6 months Maximum Term 30 years (or retirement age if less)
Minimum Amount: €50,000
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Tullamore Credit Union
Residence, education or employment or that of a family member in: Tullamore, Clonalee, Cadamstown, Kilcormac, Clonony, Pollagh, Tyrellspass.

Home – Tullamore Credit Union

member focussed, locally owned cooperative financial services credit union
www.tullamorecu.ie

Variable Rate Mortgage – 4.2% (APRC 4.3%) over 25 years to a maximum of €350,000.
Fixed Rate Mortgage – 4.2% (APRC 4.3%) over 25 years to a maximum of €350,000. (seems to be 25 year fixed)
Green Variable Rate Mortgage – 4.0% (APRC 4.1%) over 25 years to a maximum of €350,000, BER A1-B3
Green Fixed Rate Mortgage – 4.0% (APR 4.1%) over 25 years to a maximum of €350,000, BER A1-B3 (seems to be 25 year fixed)
NB Not clear as to early repayment charge on fixed rate mortgage
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Kilmallock Credit Union (Co. Limerick)
Residence, education or employment or that of a family member in: Kilmallock to Kilfinane, Anglesborough to Hospital, Fedamore to Ballingarry, Broadford to Liscarroll and also includes the town of Charleville.
https://www.kilmallockcu.ie

Rate of interest Variable 5.00% (APRC 5.17%)

Minimum Term None Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €250,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Killarney Credit Union
Residence, education or employment or that of a family member in: Killarney, Fossa, Kilcummin, Glenflesk, Beaufort (Tough), Kilgarvan, Kenmare, Sneem, Killeentierna, Tuosist, and Firies, Glenbeigh, Cahersiveen, Valentia, Ballinskelligs, Waterville, Caherdaniel.

Killarney Credit Union - Low cost loans and much more in Kerry

Killarney Credit Union offers quick approval low cost loans along with savings accounts and other great services.
www.killarneycu.ie

Rate of interest Variable 5.50% (APRC 5.6%)

Minimum Term None Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €150,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Life Credit Union - Kildare
Residence, education or employment or that of a family member in: Naas, Newbridge & Maynooth and close surrounds

Life Credit Union | Borrow & Save | Maynooth-Naas-Newbridge

Welcome to Life Credit Union. Low cost loans for living your life. Join and borrow straight away in any of our branches in Maynooth, Naas and Newbridge.
lifecu.ie

Rate of interest Variable 3.50% (APRC 3.57%)

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €100,000
Maximum Amount: €500,000
PPR (owner occupied) only (same for all Credit Unions)
 
Drogheda Credit Union
Residence, education or employment or that of a family member in: Drogheda, Dunleer, East Meath & Trim

Drogheda Credit Union

Drogheda Credit Union - Providing Financial Services to our Members
www.droghedacu.ie

Rate of interest Variable 3.90% (APRC 3.97%)

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €400,000
PPR (owner occupied) only (same for all Credit Unions)
 
Connect Credit Union - parts of Co. Louth
Residence, education or employment or that of a family member in: Blackrock, Kilsaran, Clogherhead & Annagassan

Home

Discover the financial advantage of joining Connect Credit Union. Experience local, trusted service, competitive loan rates and low-cost current accounts tailored to meet your needs. Join Connect Credit Union today and start building a brighter financial future.
connectcu.ie

Rate of interest Variable APRC 3.82%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €350,000
PPR (owner occupied) only (same for all Credit Unions)
 
Access Credit Union - parts of West Cork
Residence, education or employment or that of a family member in: an area of 15 miles radius of Skibbereen town (includes Baltimore) and extended to include the Mizen Peninsula (Schull), and the parishes of Bandon, Newcestown, Innishannon, Kilbrittain, Ballineen and Enniskeane.

Home

Your local credit union for all your savings & borrowing needs, from personal loans, car loans & even home loans. Branches in Skibbereen, Bandon and Schull.
accesscu.ie

Rate of interest Variable 4.50% APRC 4.59%

Minimum Term 5 years Maximum Term 25 years
Minimum Amount: €50,000
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
You must log in or register to reply here.
Menu
Log in
Register