Tullamore Credit Union Limited products, services and reviews

About Tullamore Credit Union Limited

Tullamore Credit Union Limited is a member-owned financial co-operative based in Tullamore, County Offaly, operating under a defined common bond that typically covers people who live, work, or study in the local area, and is supervised by the Central Bank of Ireland. It provides core retail services associated with Irish credit unions, including savings (member shares and, where offered, deposit accounts) and unsecured personal lending for purposes such as car purchase, home improvement, education, and general expenses, with rates expressed as APR and decisions subject to affordability and credit checks; loan protection and life savings insurance are commonly provided in the sector, subject to eligibility, terms, and limits. Access is available via branch and digital channels for account management, electronic payments, and loan applications, and joining generally requires standard identification such as photo ID, proof of address, and a PPS number. Member savings are covered by the statutory Deposit Guarantee Scheme up to €100,000 per person, and the credit union follows the sector’s governance model in which a volunteer board is elected by members; any annual surplus may be retained to strengthen reserves or, at the board’s discretion and subject to regulatory requirements, distributed as a dividend on shares or as a loan interest rebate, neither of which is guaranteed. Product scope, eligibility criteria, fees, and service features are set locally and can change, so prospective and existing members should review the credit union’s current terms, schedule of charges, and common-bond rules before opening an account or applying for credit.