Key Post List of Credit Union mortgage rates

Ballincollig Credit Union Cork
Residence, education or employment or that of a family member in: Ballincollig | Ovens | Farran | Farnanes | Cloghroe | Carrigrohane | Model Farm Road | Ballinora | Waterfall |Aherla | Cloughduv | Crookstown | Lissarda |Inniscarra | Dripsey | Coachford | Aghabullogue | Carrigadrohid

Ballincollig Credit Union Ltd. - County Cork, Ireland

Ballincollig Credit Union brings people in the Ballincollig community together to save and borrow at more favourable rates. Join BCU today.
bcu.ie bcu.ie


Rate of interest Variable 3,25% APRC 3.30%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
Cathedral Credit Union Cork
Residence, education or employment or that of a family member in: Cork City Centre (north of St Oliver Plunkett St); Blackpool; Gurranabraher; Farranree; Hollymount; Kileens Cross; Fairhill; Commons Road - see map on website

Cathedral Credit Union

Cathedral Credit Union - Financial Services with a Human Touch
www.cathedralcu.ie

Rate of interest Variable 4.75% APRC 4.85%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €170,000
PPR (owner occupied) only (same for all Credit Unions)
 
Hi Dr

Great Wizardry there!

I have put in a table of the best rates in the second post.

Key Post - List of Credit Union mortgage rates

I would like to compile a list of all the credit unions which do mortgages. Thanks to SueEllen for bringing this list to my attention https://www.creditunion.ie/what-we-offer/mortgages/ Dublin Aviate Credit Union Capital Credit Union Core Credit Union Health Services Staffs Credit Union...
www.askaboutmoney.com
 
@Brendan Burgess

Just something to bear in mind is that not all of the Credit Unions listed can actually issue mortgages as some have already reached regulatory limits, and some are operating wait lists. This might make them more suitable to switchers than buyers.

As most people are only eligible to join 1 or 2 Credit Unions, a quick phone call would clarify the situation.

For example, St Raphaels Garda Credit Union

"New Waiting List For Mortgage Applications

Like all other credit unions, St. Raphael’s Garda Credit Union is subject to regulatory limits which restrict the amount of mortgages we can provide to our members.

In order to manage this limited supply as fairly as possible, we are introducing a waiting list for all mortgage applications."

www.straphaelscu.ie

Mortgages | | St. Raphael's Garda Credit Union

Calculate your mortgage repayments today for your credit union mortgage. You will have a dedicated expert from start to finish.
www.straphaelscu.ie www.straphaelscu.ie
 
RedOnion said:
@Brendan Burgess

Just something to bear in mind is that not all of the Credit Unions listed can actually issue mortgages as some have already reached regulatory limits, and some are operating wait lists. This might make them more suitable to switchers than buyers.

As most people are only eligible to join 1 or 2 Credit Unions, a quick phone call would clarify the situation.

For example, St Raphaels Garda Credit Union

"New Waiting List For Mortgage Applications

Like all other credit unions, St. Raphael’s Garda Credit Union is subject to regulatory limits which restrict the amount of mortgages we can provide to our members.

In order to manage this limited supply as fairly as possible, we are introducing a waiting list for all mortgage applications."

www.straphaelscu.ie

Mortgages | | St. Raphael's Garda Credit Union

Calculate your mortgage repayments today for your credit union mortgage. You will have a dedicated expert from start to finish.
www.straphaelscu.ie www.straphaelscu.ie
Click to expand...
@RedOnion

Afaik only St Pauls (Garda) and St Raphaels (Garda) have hit the buffers. This is a 'regulatory' restriction at an unrealistic level by the business prevention axis known at the Central Bank.
 
Ballyshannon & Killybegs Credit Union Co. Donegal
Residence, education or employment or that of a family member in: Ballyshannon, Killybegs, Pettigo, Ardara, Glenties, Donegal town and surrounding areas. Map is not clear.

Ballyshannon & Killybegs Credit Union

Ballyshannon & Killybegs Credit Union - Helping you, helping your community. Providing Financial Services to our Members
www.bkcreditunion.ie

Rate of interest Variable 5.00% APRC 5.12%

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €150,000
PPR (owner occupied) only (same for all Credit Unions)
 
Douglas Credit Union - Cork
Residence, education or employment or that of a family member in:
Douglas to Ringaskiddy, including Grange, Frankfield, Donnybrook, Maryborough Hill, Rochestown, Passage West, Monkstown and Shanbally.

Douglas Credit Union

Douglas Credit Union - Providing Financial Services to our Members
www.douglascu.ie

Rate of interest Variable 3.75% APRC 3.81%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €100,000
Maximum Amount: €500,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Farranree Credit Union - Cork
Residence, education or employment or that of a family member in: Farranree area

Farranree Credit Union

Farranree Credit Union - Providing Financial Services to our Members
www.farranreecu.ie

Rate of interest Variable 6.75% APRC 7.00%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €150,000
PPR (owner occupied) only (same for all Credit Unions)
 
Our Lady Crowned Credit Union - Cork
Residence, education or employment or that of a family member in: Mayfield; Montenotte; Ballyvolane; Tivoli; Rathcooney; Glanmire; White’s Cross; Little Island; Glounthaune; Knockraha; Carrignavar & Watergrasshill.

Our Lady Crowned Credit Union

Our Lady Crowned Credit Union - Providing Financial Services to our Members
www.olccu.ie


Rate of interest Variable 3.90% APRC 3.97%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: Not stated
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
Kanturk Credit Union - North Cork
Residence, education or employment or that of a family member in:
Kanturk, Lismire, Banteer, Lyre, Kilcorney, Castlemagner, Kilbrin, Dromtarriffe, Dromagh, Derrinagree, Freemount and Tullylease.
kanturkcu.ie

Home

Kanturk Credit Union
kanturkcu.ie kanturkcu.ie

Rate of interest Variable 5.99% APRC 6.17%

Minimum Term One month Maximum Term 10 years
Minimum Amount: €20,000
Maximum Amount: €100,000
PPR (owner occupied) only (same for all Credit Unions)
 
Macroom Credit Union - North West Cork
Residence, education or employment or that of a family member in: Macroom, Coachford, Aherla, Farnanes, Crookstown, Kilmurry, Kilmichael, Kilmountain.

Macroom Credit Union

Macroom Credit Union - Providing Financial Services to our Members
www.macroomcu.ie

Rate of interest: Not on website

Minimum Term NA Maximum Term NA
Minimum Amount: NA
Maximum Amount: €150,000 (75% LTV)
PPR (owner occupied) only (same for all Credit Unions)
 
Youghal Credit Union - East Cork / West Waterford
Residence, or education or employment or that of a family member in: Youghal, Killeagh, Ardmore (20 mile radius of Youghal)

Youghal Credit Union

Youghal Credit Union - Providing Financial Services to our Members
www.youghalcu.ie

Rate of interest: 2.90% APRC 2.94%

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
New Ross Credit Union - West Wexford - East Waterford
Residence, or education or employment or that of a family member in: radius of New Ross - not clear from website

New Ross Credit Union Ltd - NRCU

www.nrcu.ie www.nrcu.ie

Rate of interest: LTV < 55% 2.75% APRC 2.79% LTV > 55% 3.25% APRC 3.30%

Minimum Term Not stated Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €350,000
PPR (owner occupied) only (same for all Credit Unions)
 
RedOnion said:
@Brendan Burgess

Just something to bear in mind is that not all of the Credit Unions listed can actually issue mortgages as some have already reached regulatory limits, and some are operating wait lists. This might make them more suitable to switchers than buyers.
Click to expand...
You mean that in the case of a buyer they need to issue a new mortgage but in the case of a switcher they issue a "replacement" mortgage and the latter would not be affected by any regulatory limit?
 
Athlone & Castlerea Credit Union -
Residence, or education or employment or that of a family member in: withink 10km of Athlone Bridge; Castlerea, Ballinlough, Loughglynn, Cloonfad, Ballinatubber, Ballydooley, Tulsk, Bellanagare, Castleplunket and Rathcroghan.

Athlone & Castlerea Credit Union Limited

Athlone & Castlerea Credit Union Limited - Providing Financial Services to our Members
www.accu.ie

Rate of interest: Variable 4.50% (APRC 4.59%)

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €250,000
PPR (owner occupied) only (same for all Credit Unions)
 
St Dominics Credit Union - Waterford city (parts) South Kilkenny (parts)
Residence, or education or employment or that of a family member in: western side of the city of Waterford and Ferrybank; Mullinavat, as far as Lukeswell and the parishes of Mooncoin, Kilmacow and Slieverue

Rate of interest Variable 3.99% APRC 4.06%

Minimum Term 5 years Maximum Term 30 years
Minimum Amount: €50,000
Maximum Amount: €350,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Ballinasloe Credit Union - Co. Galway
Residence, or education or employment or that of a family member in: 15 mile radius of Ballinasloe
ballinasloecreditunion.ie

Home - Ballinasloe Credit Union

Join Us Online Member onboarding is quick, easy and convenient Start Your Application Our Mobile App 24/7 ACCOUNT ACCESS Access your accounts from anywhere 24×7 MAKE A PAYMENT You can now make a Debit Card payment
ballinasloecreditunion.ie ballinasloecreditunion.ie

Rate of interest Variable 3.75% APRC 3.82%

Minimum Term 1 year Maximum Term 30 years
Minimum Amount: Not stated
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
Naomh Breandan Credit Union - Loughrea Co. Galway
Residence, or education or employment or that of a family member in:
naomhbreandancu.ie

Home

Naomh Breandan Credit Union - Providing Financial Services to our Members
naomhbreandancu.ie naomhbreandancu.ie

Rate of interest Variable 3.99% APRC 4.07%

Minimum Term Not stated Maximum Term 20 years
Minimum Amount: €50,000
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
Last edited:
Rathmore & District Credit Union - Co. Kerry (and parts of North Cork)
Residence, or education or employment or that of a family member in: Rathmore district

Rathmore & District Credit Union

Rathmore & District Credit Union - Providing Financial Services to our Members
www.rathmorecu.ie


Rate of interest Variable 4.50% APRC 4.59%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
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