Key Post List of Credit Union mortgage rates

People First Credit Union - Co. Laois
Residence, or education or employment or that of a family member in: Portlaoise, Athy, Stradbally, Abbeyleix
peoplefirstcu.ie

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People First Credit Union members can do all business from home, but we also have credit union offices throughout Ireland
peoplefirstcu.ie peoplefirstcu.ie


Rate of interest < €100,000 Variable 4.50% APRC 4.59% >€100,000 <€200,000 Variable 3.50% APRC 3.56%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: Not stated
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
Portarlington Credit Union - Co. Laois
Residence, or education or employment or that of a family member in: Portarlington or its surrounding townlands.

portcu.ie

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Portarlington Credit Union
portcu.ie portcu.ie

Rate of interest Variable 5.95% APRC 6.20%

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: Not stated
Maximum Amount: €100,000
PPR (owner occupied) only (same for all Credit Unions)
 
Cois Sionna Credit Union - Co. Limerick
Residence, or education or employment or that of a family member in: Askeaton, Newcastle West, Rathkeale, Glin, Foynes, Shanagolden, Tarbert, Kildimo, Pallaskenry, Adare & Croom.

About Us - Cois Sionna Desmond Credit Union, Co Limerick

Membership of Cois Sionna Desmond Credit Union lets people save and borrow money at low rates, on a not-for-profit basis, with surpluses shared with members.
www.csdcu.ie www.csdcu.ie

Website just states that they are doing mortgages and to make an appointment. No further details.
PPR (owner occupied) only (same for all Credit Unions)
 
ClubMan said:
You mean that in the case of a buyer they need to issue a new mortgage but in the case of a switcher they issue a "replacement" mortgage and the latter would not be affected by any regulatory limit?
Click to expand...
Both of these are classified as "house loans" under the CU regs so both contribute to the loans counted when calculating adherence to the limit.
 
St Francis Credit Union - Co. Clare
Residence, or education or employment or that of a family member in: Ennis, Tulla, Clarecastle, Newmarket-on-Fergus, Sixmilebridge, Shannon, Kildysart, Kilmihil, Lissycasey
www.stfranciscu.ie

Home - St. Francis Credit Union

We encourage all members to be aware and always remember St. Francis Credit Union will NEVER send you messages requesting you to click a link to review or block a fraudulent transaction on your account or advise that you are locked out of your account. If in doubt, ring the Credit Union
www.stfranciscu.ie www.stfranciscu.ie

Rate of interest Variable 5.00% APRC 5.12%

Minimum Term 1 year Maximum Term 25 years
Minimum Amount: €50,000
Maximum Amount: €175,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Ardee Credit Union - Co. Louth
Residence, or education or employment or that of a family member in: Ardee, Drumconrath, Lobinstown and Tallanstown to this side of the river Glyde, Collon, Louth and Darver
www.ardeecu.ie

Ardee Credit Union Ltd

Ardee Credit Union is a non-profit organisation formed to encourage thrift and provide affordable credit to its members within the Ardee common bond area.
www.ardeecu.ie www.ardeecu.ie

Rate of interest Variable 3.90% APRC 3.97%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €175,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Athboy Credit Union - Co. Meath
Residence, or education or employment or that of a family member in: Athboy area (no map on website)
www.athboycu.ie

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Le Chéile Credit Union - Providing Financial Services to our Members
www.athboycu.ie www.athboycu.ie


Rate of interest Variable 3.65% APRC 3.72%

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €175,000
PPR (owner occupied) only (same for all Credit Unions)
 
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St Colmcille (Kells) Credit Union - Co. Meath
Residence, or education or employment or that of a family member in: Kells, its surrounding areas such as Carlanstown, Mullagh, Moynalty, Carnaross and many more

St. Colmcille's Kells Credit Union Ltd

www.kellscu.ie www.kellscu.ie

Rate of interest Variable 4.50% APRC 4.57%

Minimum Term 15 years Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Clonmel Credit Union - Co. Tipperary
Residence, or education or employment or that of a family member in: 20 mile radius of Clonmel town centre

Clonmel Credit Union

Clonmel Credit Union - Providing Financial Services to our Members
www.clonmelcu.com

Rate of interest Variable 4.00% APRC 4.07%

Minimum Term One month Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €250,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Athenry Credit Union - Co. Galway and Co Offaly
Residence, or education or employment or that of a family member in: Athenry, Ballygar, Birr, Kilkerrin, Kinvara, Menlough, Portumna
www.athenrycu.ie

Home

Athenry Credit Union - Galway - Providing Excellent Financial Products and Services to our Members throughout Galway. Athenry Credit Union is one of the largest Credit Unions in Ireland. Our Credit Union Branches are located in Athenry, Ballygar, Birr, Kilkerrin, Kinvara, Menlough & Portumna...
www.athenrycu.ie www.athenrycu.ie


Rate of interest Variable < 60% LTV 3.50% APRC 3.57% Variable > 60% LTV 3.695% APRC 3.76%

Minimum Term Not stated Maximum Term 35 years
Minimum Amount: Not stated
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Cana Credit Union - Revenue Commissioners
Employment or that of a family member in: Revenue nationwide

CANA Credit Union Ltd

CANA Credit Union brings people in the Revenue Staff community together to save and borrow at more favourable rates. Join CANA Credit Union today.
www.canacu.ie www.canacu.ie

Rate of interest <50% LTV Fixed* 2.90% APRC 2.94%

Minimum Term 1 year Maximum Term 10 years
Minimum Amount: €30,000
Maximum Amount: €150,000
Note: switcher product only, Fixed appears in loan application No penalty on overpayment
PPR (owner occupied) only (same for all Credit Unions)
 
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Blachardstown - Dublin
Residence, or education or employment or that of a family member in: Castleknock, Mulhuddart, Blanchardstow, parts of Cabra

Home — Blanchardstown Credit Union

Blanchardstown & District Credit Union is a growing & vibrant credit union for anyone living, working or studying in D15. You are welcome!
www.blanchardstowncu.ie www.blanchardstowncu.ie


Rate of interest Variable < 60% LTV 4.30% APRC 4.33% Variable > 60% LTV APRC 4.59%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €60,000
Maximum Amount: €400,000
PPR (owner occupied) only (same for all Credit Unions)
 
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St. Michaels Credit Union - Cork
Residence, or education or employment or that of a family member in: The environs of Blackrock and Mahon in Cork

St. Michaels Credit Union

St. Michaels Credit Union - A local Financial Services provider for those who live and work in our area.
www.stmichaelscu.ie

Rate of interest
  • Variable 3.85% (3.92% APRC )for ≤60% Loan to Value
  • Variable 4.05% (4.13% APRC) for >60%≤70% Loan to Value
  • Variable 4.35% (4.45% APRC) for >60% ≤80% Loan to Value
  • Variable 4.50% (4.60% APRC) for >80% ≤90% Loan to Value

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €75,000
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
Credit Union Plus - Navan
Residence, or education or employment or that of a family member in: Navan, Dunshaughlin, Clonmellon, Ballivor, Kildalkey and Ballyjamesduff
creditunionplus.ie

Credit Union Plus

Credit Union Plus is your first port of call for borrowing, for saving, and for a wide range of financial services. Call or drop by our branch today.
creditunionplus.ie creditunionplus.ie

Rate of interest - Variable 3.50% (3.56% APRC)

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €60,000
Maximum Amount: €400,000
PPR (owner occupied) only (same for all Credit Unions)
 
Croi Laighean - Parts of Kildare & Offaly
Residence, or education or employment or that of a family member in:
  • Ballinabrackey, Donadea & Drehid to the North.
  • Clane, Donore & Leixlip to the East.
  • Dunbyrne, Clonbulloge & Lullymore to the South.
  • Knockdrin, Mount Lucas & Rhode to the West.
  • Includes Maynooth, Leixlip, Edenderry, Clane, Prosperous, Carbury, Allenwood, Coill Dubh

Croí Laighean Credit Union

Your local Credit Union. Modern finance solutions with a personal touch! Explore loans, current accounts, insurance & savings products.
clcu.ie clcu.ie

Rate of interest - Variable 5.00% (5.12% APRC)

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
@Brendan

can you lock this in at the top along with the other key posts?
Thx in advance.
 
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