Blessington and District Credit Union Limited products, services and reviews

About Blessington and District Credit Union Limited

Blessington and District Credit Union Limited is a member-owned financial co‑operative based in Blessington, County Wicklow, operating under the Credit Union Act 1997 and regulated by the Central Bank of Ireland. Membership is limited to people within its approved common bond area centered on Blessington, typically requiring proof of identity, address, and PPSN; accounts for minors are opened by a parent or guardian subject to documentation. It offers core credit union services such as share (savings) accounts and consumer lending, including personal, car, and home‑improvement loans, with interest rates, loan amounts, and terms set locally and subject to underwriting and affordability assessments. Access is provided through its branch and digital channels where available, and service hours, processing times, and cut‑off schedules are determined by the credit union and may change. Member deposits (shares) are protected by the Irish Deposit Guarantee Scheme up to €100,000 per person per institution, and any dividend or loan interest rebate depends on surplus and board approval and is not guaranteed. Governance is by a volunteer board elected by members at the annual general meeting, with audited financial statements and compliance obligations overseen by the regulator. Fees, charges, and lending criteria are published by the credit union and can be confirmed on its website or by contacting the office directly.