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

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Latest News

14 Mar 2021

Student Loans

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

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.

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.      

17 Mar 2021

Information on COVID 19 Preparations

Due to the ongoing COVID 19 situation we wish to reassure members that we will continue to provide our services as long as is practically possible.

17 Mar 2021

Important Notice To All Members

During the present Emergency, Cash Withdrawals will be limited to €500.00 per member, per week. This is to ensure that we can meet the cash needs of all our members during this crisis.

Savings

Savings

Members of Swilly Mulroy Credit Union are encouraged to save what they can when they can. A regular savings pattern is a good indication of a members ability to repay any future loans.

Swilly Mulroy Credit Union offers a wide range of saving benefits including:

  • Your savings are insured in the event of your death at no extra cost to you (see insurance section for more information).
  • Each Euro saved by a member buys a share in the credit union and dividends may be paid on shares at the end of each financial year, if it is within the capability of the credit union to do so.
  • Dividends are how members share the profit of the credit union and is unique to the credit union sector.
  • Dividends are declared at the AGM ( Annual General Meeting ) after being proposed, seconded and voted on by the members present.
  • Savings can be paid into your account by any of the following methods.
  • At any of our offices during opening hours. By standing order direct from your bank account.
  • By a Direct Debit from your bank account. From your Debit Card.
  • By EFT (electronic funds transfer) through Internet banking from the comfort of your own home.

As a saving member you are encouraged to keep your savings intact, so that:

  • You continue to earn dividends.
  • Your capacity to borrow is maintained.
  • You maintain the best life savings insurance benefit.

In addition:

  • Your savings can be withdrawn at any time unless they are pledged against your loan or are pledged as a guarantee on another member’s loan.
  • Withdrawals can be paid out by cheque, by cash if previously arranged or by EFT, electronic funds transfer.
  • Cheques can be made payable to third parties for paying bills etc, and EFTs can also be paid to third party bank accounts if required.