Find out how to save with the Credit Union
Savings - St. Colmcille's Kells Credit Union Ltd

Share Accounts

A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. Credit unions offer members the chance to take control over their own finances by making their own savings work for them. Every Credit Union is owned by the members – the people who save & borrow with it – people like you.

Over 7000 members rely on us for financial services. We provide many facilities to our members including savings, low loan rates, direct debits, standing orders, online facilities and even a mobile app!

If you’re not a member already, why not think about joining today.

Choosing Your Nomination

Members of Kells Credit Union can nominate someone to receive up to a maximum value of €23,000 on the event of their death.

All members over 16 must nominate someone when they join Community Credit Union.

We advise all members to review their nomination and update us of any changes they wish to make.

Your nomination and the savings associated are separate to your will and estate and are not affected by the terms of your will.

Easy Access to Your Money

On demand access to your money with no notice required. Once it is not used as security against a loan.

No Hidden Fees

There are no hidden fees or transaction charges. There are no hidden fees or transaction charges on your Credit Union account.

Life Savings Insurance

Life savings insurance for eligible members (Terms and Conditions apply).

Protected Savings

There are no hidden fees or transaction charges.

Online Services

You can register for our online services to have your CU account at your figure tips. Set up transfers, check balances and apply for loans from the comfort of home.

Savings in a Credit Union are very important for two main reasons:

• Helping the community by saving so the Credit Union can in return lend it out to members that require a loan.
• Building up a saving record in the event you need to apply for a loan in the future.

We encourage our member to manage their finances wisely, we recommend building a savings record before applying for a loan however it not essential. Once you become a member you can apply for a loan straight away.

Need help to budget? Control your spending and avoid impulse buying.
• Plan a budget and include costs such as Electrical bills, back to school, holidays, tax, Heating bills and spread the cost of 12 months
• Members must always have a share balance of at least €250
of 25% of their overall Budget
• Budget Account fees:
• €5000 fee €50
• €3000 fee €30
• €1,500 fee €15
• €1,000 fee €10
• A member can only be in an overdrawn position in their Budget Account to a level
of 25% of their overall Budget

If your account becomes inactive for 3 years and we are unable to contact you within that period it may become a dormant account. The account may be reactivated by conducting transactions and supporting it with photographic I.D. and proof of address (list of acceptable documents can be found here Insert Link) Documents must not be more than 6 months old.

We offer our members a basic working account in the event they require a salary mandated account or pension payment account. Please note this account is limited and no debit card is available on this account.

The cost of this account is €12 per quarter and can be closed at any time.

How to apply

How To Apply

Existing members can come in to any of our offices, call us on 046 9240299. If you're not a member, join us online today.

Online Banking Log In Register

If you would like more information please contact St. Colmcille’s Kells Credit Union today.

Contact Us