Blanchardstown and District Credit Union Limited products, services and reviews

About Blanchardstown and District Credit Union Limited

Blanchardstown and District Credit Union Limited is a member-owned financial co-operative serving individuals within the Blanchardstown common bond in Dublin and is regulated by the Central Bank of Ireland. It offers core credit union services including share (savings) accounts and consumer lending for typical purposes such as car purchase, education, home improvement, and general personal borrowing, with interest charged on a reducing balance and rates set and published by the credit union. Loan approvals are based on affordability and credit checks; limits, terms, and documentation requirements apply, and early repayment generally does not incur penalties. Savings in share accounts may receive an annual dividend if proposed by the board and approved by members at the AGM, but dividends and any loan interest rebates are not guaranteed. Eligible deposits are protected up to €100,000 per person under the Irish Deposit Guarantee Scheme. The credit union is governed by a volunteer board elected by members, publishes audited financial statements annually, and operates under the Central Bank’s credit union regulatory framework and consumer protection codes. Membership is restricted to those who meet the common bond and standard identification and anti-money-laundering requirements, and the credit union may apply limits on lodgements or withdrawals in line with policy and regulation. Service channels typically include branch access and online information, with payment facilities such as standing orders and direct debits available; specific product availability, fees and charges, opening hours, and current interest rates should be confirmed directly with the credit union as they are subject to change.