Kiltimagh Credit Union
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SERVICES

Savings

Savings

You can lodge and withdraw your savings at will. We allow €1,000 per day per member cash withdrawal but you can have a cheque for any amount made payable to yourself or a third party, you can also have money transferred to a Bank account.
Term deposit accounts

Term deposit accounts

Your savings are covered by life insurance and they also earn a dividend depending on the surplus we earn during the year
Loans

Loans

You can choose from five different loan products:
Kiltimagh Credit Union Services

PERSONAL LOANS

amounts up to €20,000 with a maximum term of no greater than 5 years.  The Interest on these loan is 12.6% charged on the reducing loan balance, which means the the quicker to repay the loan the less interest you pay.  Term and conditions include having a savings record, proof of income and expenditure and agree to a credit rating check.

SECURE LOANS

Borrow the value of your savings at 5.5% interest.  This product allows you to hold on to your savings and use our money instead. Term and conditions are limited.

2 FOR 1 LOANS

This loan is an extension of above where you can borrow twice your savings at 8.2% interest. You must have a minimum of €2,500 in savings to qualify for this loan. The maximum and term is the same at with Personal loans as are the terms and conditions.

HASSLE FREE LOANS

Amount from €100 to €1500, this loan product is for people who need a little spare cash without the drama of going through the process of providing proof of expenditure. They do have to provide proof you have an income and agree to a credit rating check because it is illegal to lend to a person with existing debts in arrears.

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