Our Credit Union offers a number of services to the members.

Join Us

Latest News

16 Mar 2021

Instructions for Online Access

Visit www.swillymulroycu.ie on a laptop or computer and go to LOGIN on the top right corner of the website.      

15 Mar 2021

Simple Way To Lodge Money

The protection of our members & staff are of the utmost importance to us. We are now providing envelopes to make it easier for our members to lodge money without having to come into the office.

14 Mar 2021

Student Loans

Get set for college. Apply for a student loan today with our Low Interest Rate of 6.5 % APR.


Loan protection insurance at no extra cost to our Members!

One of the great attractions for a credit union loan is the loan protection on insurance. It repays the balance of the loan in the event of the borrowing member’s death. Cover is available for those in good health and carrying out normal occupational duties at the time the loan is granted.

Members can take out a loan in the confidence that their next of kin will not have to pay off the balance of the loan if the borrower dies. Banks and other lending agencies charge a separate and expensive premium on top of the loan repayments for this service.

Under the basic policy, insurance cover would normally cease on the member’s 70th birthday, but Swilly Mulroy Credit Union specially extends their cover until members reach the age of 85.

Loan Protection Insurance

To qualify for Loan Protection Insurance borrowers must give full and honest disclosure of their health status. Normally an underlying health problem will not disqualify a borrower from obtaining cover, provided the member is able to go about their normal occupational duties, but the insurer must be made aware of the condition before the cover can be effected.

Life savings insurance at no extra cost to you, the member!

Yes, it’s true, your savings accumulated, and not subsequently withdrawn:

  • Up to the age of 55 are insured at 100%
  • From age 55 to 60 are insured at 75%
  • From age 60 to 65 are insured at 50%
  • From age 65 to 70 are insured at 25%

Members should always leave their savings intact as withdrawals may have a detrimental effect on future life savings insurance claim. Savings up to €13,700 may be doubled in the event of a members death.

Death Benefit Insurance

Death Benefit Insurance is an insurance which Swilly Mulroy Credit Union provides, again, at no direct cost to the member. It is different to and separate from the Life Savings cover and the Loan cover. The DBI pays out €1,300 to a deceased member’s next of kin in the event of the members death. Payment is usually paid out to the person or people taking responsibility for funeral expenses etc.