Member benefits
Member benefits - Banking with a Difference
What makes the Credit Union different?
Whether you’re after everyday banking, a loan, or saving for the future — being a member of Kilrush Credit Union gives you access to all the financial services you’d expect … but with a difference. Because here, people come first.
How we are different?
At Kilrush Credit Union, you get the full range of modern financial services — from current accounts and debit cards to online banking, instant payments and flexible, fair loans.
What sets us apart is how we deliver them: no distant shareholders, no profit-driven culture, just local people making decisions with your best interests at heart.
Explore the benefits of being a member — and why thousands in West Clare continue to choose their Credit Union.
1. Full-Service Banking — Just Like a Bank (and More)
Current Account + Debit Card — day-to-day banking for wages, bills, expenses.
Online & Mobile Banking — manage your money from your phone or computer, anytime, anywhere.
Instant Payments / Modern Payment Options — including debit-card, contactless or digital-wallet style services (so you don’t miss what you expect from a “normal” bank).
2. Competitive Loans & Flexible Borrowing
Borrow up to €100,000 with competitive rates starting from 4.99%, covering cars, home improvements, education and more.
Local decisions & no hidden fees — no early repayment penalties, no surprises, just straightforward lending.
Member-first approach — from friendly support to Loan Protection Insurance for many members, borrowing stays simple, secure and personal.
3. Savings & Peace of Mind
Secure & protected — your savings are covered under the Deposit Guarantee Scheme, just like any bank.
Flexible access — withdraw your money whenever you need it (subject to standard rules), with no fees.
Extra peace of mind — many members receive free Savings Insurance, and you can also complete a Nomination, allowing up to €27,000 of your savings to go directly to your chosen person after your death, without waiting for probate.
4. Transparent, Fair Fees & Member-First Ethos
No hidden extras — no sneaky admin charges or unexpected fees. What you see is what you get.
Member-owned & not-for-profit — as a cooperative, surplus is reinvested for members’ benefit, not paid to shareholders.
Fair, honest decisions — lending, service, and support are delivered locally, by real people, not remote algorithms.
5. Convenience & Accessibility (Banking on Your Terms)
Online banking + mobile app + full service account gives flexibility for busy lives (work, family, evenings).
Ability to manage savings, loans, payments all under one roof — easier than juggling multiple banks or services.
Pay loans via Direct Debit, making repayments straightforward and predictable.
6. Member Protections & Insurance Benefits
Loan Protection Insurance — giving peace of mind that loan obligations are covered in case of death (where eligible).
Life Savings Insurance for savings — protecting your savings asset for dependents.
7. Community-Driven Values — Still at the Heart
Member-owned and community-focused — you’re not just a customer but a co-owner and neighbour, part of something local and meaningful.
Surpluses & benefits returned to members (either as savings dividends or loan interest rebates) rather than distant shareholders.
Transparent, ethical approach — banking with a human touch rather than corporate profit motive.
8. One Membership — A Range of Services for Life
Whether you need day-to-day banking, savings, a personal loan, car loan, or want to save for the future — everything is under one membership.
You don’t need multiple providers: current account, savings & loans wrapped together, with the member-first ethos.
Ideal for modern life — flexibility, convenience, but with local values and personal service.
9. Investing Back Into Our Community
Every year we support local clubs, schools, charities and community groups. Sponsorships and local partnerships help keep our area thriving.
Through our Community Fund, we help make projects happen — from sports facilities to inclusion initiatives and youth programmes.
When you bank locally, your money stays local — benefitting friends, neighbours, and the next generation.
Becoming a member of Kilrush Credit Union means more than accessing great financial services — it means connecting with a community that puts people first.
We’re here for you, your family and your future, with fair options, personal service and a commitment to West Clare that hasn’t changed.
Join a Credit Union that knows you — and is proud to serve you.
Kilrush Credit Union – Here for People. Here for Community.
Find out more about joining or reactivating your membership here.
