Frequently Asked Questions


Is there a minimum amount I need to open an account?

To be a member of St. Brigid’s Credit Union we ask that you lodge a minimum of €10 to open an account.  This minimum will need to be maintained in order to keep your account open.


Can I have my wages or social welfare paid into my account?

Yes, you can have your wages and any other source of income paid directly into your account.  You may also want to consider opening a current account with a debit card to have access to your funds 24/7.  For more information, please visit the MCU section of the website.


Can I continue to save while I have a loan?

Yes, you can continue to save in your account. Only the amount of shares pledged against your loan is held as security.  Any amount saved after you take out the loan can be withdrawn provided the loan repayments are kept up to date.


What is the maximum amount of savings I can have with St. Brigid’s?

A member’s savings in a credit union must not exceed €100,000.  However, from April 2019 St. Brigid’s Credit Union has a cap on savings of €30,000.  This maximum limit applies to funds funds you have in your single account and any funds you have in a joint account combined.


Is there a limit to how much money I can withdraw from my Savings (Shares/Deposits)?

There is no limit to how much you can withdraw.  However a daily maximum cash withdrawal limit may apply. Members have the option of electronic funds transfer (EFT) all they need to provide is the IBAN and BIC details of the receiving bank.  We also have the option of printing a cheque from the members account payable to a third party.


I’ve just joined the Credit Union. When can I apply for a loan? 

There is no strict time limit.  The Loan Officers will make decisions based on individual circumstances and capacity to repay.

As your ability to repay is a deciding factor, establishing a savings pattern with St Brigid’s Credit Union is recommended.


How can I apply for a loan?

You can make an application

  • In person at any of our branches
  • You can contact any of the offices by phone or email
  • Request a loan application on our enquiry page


How much can I borrow?

Apply for what you need and the Loans Officers/Credit Committee will make the decision based on the information you have supplied and ability to repay.


What is the clearing time for cheques?

Cheques take 10 working days to clear.  Foreign cheques can take 4-5 weeks e.g. Sterling, Dollar cheques.


How do I register for online access?

Click on Register in our CU Online Members area on the homepage and complete the registration process.

You will be prompted to create a username and password. Once we receive your online registration, your account will be verified, registration approved and you will receive your unique PIN by post.


Can I withdraw funds from my account online?

Yes, members can withdraw available funds in their account using the online service.

To avail of this facility you must:

  • Be registered for CU Online
  • Sign a funds transfer authorisation form in any of our offices and we need a copy of Photo ID, Proof of Address and PPS Number


Is there a charge for Electronic Funds Transfers?

There are currently no transaction charges in our Credit Union. In the event the Board of Directors introduce a charge you will be informed in advance.


How can I get a Statement on my account?

For saving accounts you can access a statement online if you are registered for our online banking option.  Otherwise you can request a statement of your account from any member of staff in any of our branches.

For current accounts – statements will be available on your online banking on a quarterly basis in April, July, October and January or you will receive in the post if you have requested that option.  You can also request a statement in-branch from any member of staff*

* Please note fees may apply for your Current Account Statement, if you have any queries please ask a member of staff