Key Post List of Credit Union mortgage rates

People First Credit Union - Co. Laois
Residence, or education or employment or that of a family member in:
Portlaoise, Athy, Stradbally, Abbeyleix


Rate of interest < €100,000 Variable 4.50% APRC 4.59% >€100,000 <€200,000 Variable 3.50% APRC 3.56%

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)
 
Portarlington Credit Union - Co. Laois
Residence, or education or employment or that of a family member in:
Portarlington or its surrounding townlands.


Rate of interest Variable 5.95% APRC 6.20%

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: Not stated
Maximum Amount: €100,000
PPR (owner occupied) only (same for all Credit Unions)
 
Cois Sionna Credit Union - Co. Limerick
Residence, or education or employment or that of a family member in:
Askeaton, Newcastle West, Rathkeale, Glin, Foynes, Shanagolden, Tarbert, Kildimo, Pallaskenry, Adare & Croom.

Website just states that they are doing mortgages and to make an appointment. No further details.
PPR (owner occupied) only (same for all Credit Unions)
 
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?
Both of these are classified as "house loans" under the CU regs so both contribute to the loans counted when calculating adherence to the limit.
 
St Francis Credit Union - Co. Clare
Residence, or education or employment or that of a family member in:
Ennis, Tulla, Clarecastle, Newmarket-on-Fergus, Sixmilebridge, Shannon, Kildysart, Kilmihil, Lissycasey

Rate of interest Variable 5.00% APRC 5.12%

Minimum Term 1 year Maximum Term 25 years
Minimum Amount: €50,000
Maximum Amount: €175,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Ardee Credit Union - Co. Louth
Residence, or education or employment or that of a family member in:
Ardee, Drumconrath, Lobinstown and Tallanstown to this side of the river Glyde, Collon, Louth and Darver

Rate of interest Variable 3.90% APRC 3.97%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €175,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Athboy Credit Union - Co. Meath
Residence, or education or employment or that of a family member in:
Athboy area (no map on website)


Rate of interest Variable 3.65% APRC 3.72%

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €175,000
PPR (owner occupied) only (same for all Credit Unions)
 
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St Colmcille (Kells) Credit Union - Co. Meath
Residence, or education or employment or that of a family member in:
Kells, its surrounding areas such as Carlanstown, Mullagh, Moynalty, Carnaross and many more

Rate of interest Variable 4.50% APRC 4.57%

Minimum Term 15 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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Clonmel Credit Union - Co. Tipperary
Residence, or education or employment or that of a family member in:
20 mile radius of Clonmel town centre

Rate of interest Variable 4.00% APRC 4.07%

Minimum Term One month Maximum Term 35 years
Minimum Amount: €40,000
Maximum Amount: €250,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Athenry Credit Union - Co. Galway and Co Offaly
Residence, or education or employment or that of a family member in:
Athenry, Ballygar, Birr, Kilkerrin, Kinvara, Menlough, Portumna


Rate of interest Variable < 60% LTV 3.50% APRC 3.57% Variable > 60% LTV 3.695% APRC 3.76%

Minimum Term Not stated Maximum Term 35 years
Minimum Amount: Not stated
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
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Cana Credit Union - Revenue Commissioners
Employment or that of a family member in:
Revenue nationwide

Rate of interest <50% LTV Fixed* 2.90% APRC 2.94%

Minimum Term 1 year Maximum Term 10 years
Minimum Amount: €30,000
Maximum Amount: €150,000
Note: switcher product only, Fixed appears in loan application No penalty on overpayment
PPR (owner occupied) only (same for all Credit Unions)
 
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Blachardstown - Dublin
Residence, or education or employment or that of a family member in:
Castleknock, Mulhuddart, Blanchardstow, parts of Cabra


Rate of interest Variable < 60% LTV 4.30% APRC 4.33% Variable > 60% LTV APRC 4.59%

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €60,000
Maximum Amount: €400,000
PPR (owner occupied) only (same for all Credit Unions)
 
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St. Michaels Credit Union - Cork
Residence, or education or employment or that of a family member in: T
he environs of Blackrock and Mahon in Cork

Rate of interest
  • Variable 3.85% (3.92% APRC )for ≤60% Loan to Value
  • Variable 4.05% (4.13% APRC) for >60%≤70% Loan to Value
  • Variable 4.35% (4.45% APRC) for >60% ≤80% Loan to Value
  • Variable 4.50% (4.60% APRC) for >80% ≤90% Loan to Value

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €75,000
Maximum Amount: €200,000
PPR (owner occupied) only (same for all Credit Unions)
 
Credit Union Plus - Navan
Residence, or education or employment or that of a family member in:
Navan, Dunshaughlin, Clonmellon, Ballivor, Kildalkey and Ballyjamesduff

Rate of interest - Variable 3.50% (3.56% APRC)

Minimum Term 5 years Maximum Term 35 years
Minimum Amount: €60,000
Maximum Amount: €400,000
PPR (owner occupied) only (same for all Credit Unions)
 
Croi Laighean - Parts of Kildare & Offaly
Residence, or education or employment or that of a family member in:

  • Ballinabrackey, Donadea & Drehid to the North.
  • Clane, Donore & Leixlip to the East.
  • Dunbyrne, Clonbulloge & Lullymore to the South.
  • Knockdrin, Mount Lucas & Rhode to the West.
  • Includes Maynooth, Leixlip, Edenderry, Clane, Prosperous, Carbury, Allenwood, Coill Dubh

Rate of interest - Variable 5.00% (5.12% APRC)

Minimum Term 1 year Maximum Term 35 years
Minimum Amount: €50,000
Maximum Amount: €300,000
PPR (owner occupied) only (same for all Credit Unions)
 
@Brendan

can you lock this in at the top along with the other key posts?
Thx in advance.