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The philosophy of St Colmcilles (Kells) Credit Union dates back to 1961, our Mission is to support and promote the financial well-being of the community.

Farming is a vital integral part of our community; the credit union understands the significant variation both within and across farm sectors. With this in mind St Colmcilles (Kells) Credit Union has ventured into the market of providing Agri Loans. Farm Income and expenditure vary through the year; therefore our Agri Loans are structured to meet the financial needs of individual farmers.

Currently we offer loans over 5 or 10 years with the flexible option of weekly/monthly/quarterly repayments. Interest is calculated on a reducing balance basis, therefore the quicker you pay your loan the less interest you pay. This loan is insured in the event of death at no extra cost to the member. Terms and conditions apply.

There are no penalties for early redemption.

Regardless of the scale of the farm operation, our strategy is to tailor our Agri Lending to meet diverse farming requirements with loans ranging from €10,000 to €100,000 – we aim to underwrite and make a decision within 24 hours. Agri Loans can be applied for immediately.

We have a dedicated Agri Lending team at St Colmcilles (Kells) Credit Union – so don’t delay call today on 046-9240299

We Offer:

• Fast Approval
• Repayments set to meet your personal circumstances
• Free Life Loan Protection Insurance
• No Document Fees
• No Set Up Fees
• No penalty for early redemption of your loan

We are Local, Loyal and Lending, please contact us on 046-9240299, apply on-line at Cu Mobile or pick up a Loan pack in the office.

Where you are a ‘Small Enterprise’ that is an enterprise which employs fewer than 50 persons and which has an annual turnover and annual balance sheet total which does not exceed €10 million; please be aware of the following in respect of any loan that you would like to apply for with Kells Credit Union.

• You are entitled to request a meeting with the Credit Union to discuss any proposed application for credit;
• The timelines applicable to the assessment of a credit application are as follows;
• St Colmcille’s(Kells) Credit Union Ltd may require the following documents in support of your application for credit;
• St Colmcille’s(Kells) Credit Union Credit Union may require submission of a business plan in support of an application for credit;
• A description of the information that may be required in a business plan, including information on the structure and content of the business plan is as follows;
• Credit Union to include a statement confirming whether a refused application for credit will result in a negative impact on the borrower’s credit rating;
• You can request a description of the Credit Union’s policies on security;
• You can request a copy of Government support schemes available from or through the Credit Union (where applicable).