Enniscorthy Credit Union Limited products, services and reviews

About Enniscorthy Credit Union Limited

Enniscorthy Credit Union Limited is a member-owned financial co‑operative serving a defined common bond around Enniscorthy, County Wexford. It is authorised and regulated by the Central Bank of Ireland, and eligible deposits are protected by the Deposit Guarantee Scheme up to €100,000 per person per institution. Core services centre on share-based savings and personal lending; common loan purposes include car purchase, home improvements, education and general borrowing, with interest charged on the reducing balance and approvals subject to affordability, credit checks and internal lending limits. Any return on savings is typically paid as a dividend or deposit interest when available and is not guaranteed; any loan interest rebate is also discretionary and dependent on annual surplus. Membership generally requires residence, employment or association within the common bond and standard anti–money laundering documentation such as photo identification, proof of address and a Personal Public Service Number, with additional requirements for accounts for minors. Transaction services usually include cash lodgements and withdrawals, standing orders and SEPA electronic transfers to and from Irish bank accounts; some Irish credit unions provide a fee-based current account with a debit card via a shared platform, but availability at this credit union should be confirmed directly. Fees and charges may apply to specific services, and savings caps or lodgement limits can be imposed in line with policy and regulation. Governance follows the one‑member‑one‑vote model with a volunteer board and audited annual financial statements published to members. Complaints are handled through the credit union’s internal process and, if unresolved, can be referred to the Financial Services and Pensions Ombudsman. Capital and liquidity requirements apply under Irish regulation, and product terms, rates, eligibility criteria and opening hours are set by the credit union and can change; members should consult the latest schedules and notices before applying or transacting.