Common Bond

If you are living or working within our common bond you are eligible for membership with St. Colmcille’s Kells Credit Union. This reflects the fact that Credit Unions are mutual organisations run for the benefit of our members. Our common bond extends to any person residing or working in the vicinity of Kells. for membership.


Membership Benefits

Members of a credit union enjoy many benefits, including:

  • Competitive loan interest rates.
  • Loan life protection insurance at no direct cost to you.
  • We have a wide range of financial services available with a variety of discounts and free services for members.
  • Security of savings through the credit unions’ fidelity bond, the Irish League of Credit Unions’ Savings Protection Scheme, and the Government Savings Protection Scheme. (All member’s shares are guaranteed up to the amount of €100,000).
  • The knowledge that your savings are being used for the benefit and development of your community.
  • Return each year in the form of a dividend on your savings.


Opening An Account?

Joining the Credit Union is the easiest and the best decision you could take for your money. Our Credit Union lets people in the community come together to save and borrow money at low rates, and is operated on a not-for-profit basis, with surpluses being returned to members.


To Join our Credit Union you will need:

  • Valid Photo ID (i.e. driving licence or passport)
  • Recent utility bill or bank statement within the last 6 months
  • Proof of PPS number required on an official document


Minor account holders are those aged under the age of 16.

To join our Credit Union you will need

  • An original birth certificate
  • Proof of PPS number on an official document
  • Parent/Guardian’s valid Photo ID
  • Parent/Guardian’s utility bill or bank statement dated within the last 6 months

PLEASE NOTE: Due to Central Bank Regulations we can no longer accept the Public Service’s Card as Photo ID OR proof of PPS Number.

How To Join


Online Accounts & cuOnline+

  • 24 hour access to check your balances and transactions
  • Online statements
  • Apply for loans
  • Pay bills
  • Transfer funds
  • Set up standing orders
  • Manage your accounts