If you live, work or study within the common bond areas of Mountmellick Credit Union, you are eligible to join. Persons who are in the same household as someone who is already a member of Mountmellick Credit Union are also eligible for membership.

One of the requirements of a credit union is that members have something in common with one another, this is known as a ‘common bond’. The common bond defines the area in which a credit union can operate. Mountmellick Credit Union operates on a community common bond basis, i.e. those living, working, or studying in the same areas may join. The common bond ensures that the savings of members of the community are available to fellow members as loans.

Mountmellick Head Office: Working, studying or living within a 6 mile radius of Mountmellick extending to the townlands of Rosenallis and Clonaslee.

Rathangan: Working, studying or living in the area comprising of Rathangan parish and postal District & that area of Clonbollogue postal district, east of the River Figile, include Tower Cross, Pluckerstown, The Grange, Carrick, Barnacrow, Christianstown, Baronstown West, Wheelam, Blakestown and Cannonstown.

To join Mountmellick Credit Union, you will need three documents: Photo ID, Proof of Address and Proof of PPSN. Your photo ID must be in date and your Proof of Address / PPSN documents must be dated in the last 6 months.

Photo ID Accepted

  • Passport
  • Drivers Licence

Proof of Address Accepted

  • Recent Household Bill
  • Document from Revenue Commissioners or other Government Departments
  • Recent Bank or Building Society Statement

Proof of PPSN Accepted

  • Correspondence from Revenue/Department of Social Protection showing PPSN
  • P21/Tax Assessment/ Notice of Tax credits
  • Payslip or P60/P45

If you cannot provide all the documentation required, please contact us on 057 8624425 or email membership@mountmellickcu.com and we will do our best to offer advice.

You can apply to join the credit union by visiting one of our branches at Mountmellick, Rathangan or Clonaslee.

Alternatively, you may complete our online application form here.

Please note that after completing our online application form, you will need to call into a branch with the relevant ID documents to activate your account.

Yes, there is a fee of €1.27 to open a savings account and the minimum first lodgement is €5.

Please note that for your account to remain active you must leave a minimum balance of €5.00 in the account.

If there is no activity on your account for 3 years, your account will be flagged as dormant.

You can join Mountmellick Credit Union and apply for a loan on the same day once all of the relevant supporting documentation has been provided to activate your account. There is no waiting period.

You can apply to borrow as much or as little as you need. All loan decisions are based on affordability, taking into account your income, expenditure, and credit history.

Once you have the minimum €5.00 balance in your shares, you can apply for a loan. When the loan is being assessed, you may be asked to lodge additional funds into your shares account to be held as collateral against the loan.

Yes, you do not need to wait until your existing loan is paid off. Our top-up facility allows members to apply for a new loan while having an existing loan balance.

Applications for loans can be made on our app, online, via the members section of the website, on the app, by telephone or by emailing loans@mountmellickcu.com

This can vary depending on the loan amount requested and the purpose of the loan. With all loan applications, we will ask for proof of your income. This would usually be in the form of payslips, proof of social welfare income (copy of post office receipt or bank statements showing lodgements) or proof of self-employed income. Bank statements and other supporting documentation may also be requested. Additional details can be found on the individual loan pages.

Our lending department is optimised for fast loan decisions. Once we have received all required supporting documentation, we will process your application as quickly as possible. The sooner we receive your documentation, the faster we can process your loan application! This is generally done within 1-2 working days.

Once approved, we will notify you by phone, text or email, depending on your contact preferences. We can securely e-mail your documents to be signed with a digital signature via DocuSign or you can call into one of our branches and do this in person if you prefer. Once the signed documents have been received back, funds will be issued to your specified account. Funds should reach your account within one working day.

Please note that certain loan types and account types are not eligible for digital signatures. The loans officer will advise you if this is the case and organise with you a time to visit the office to sign the documentation.

Repayment by Direct Debit is our preferred method for all loan applications. This will be organised at your loan approval stage and Direct Debit documents will be issued with the Credit Agreement for signing. Alternatively, you can opt to call in to your local branch to make your repayments.

No. There is no fee for repaying a loan early or for making lump sum repayments in addition to your regular repayments. In fact, since the interest is charged only on the outstanding balance, you will pay even less if you repay your loan early!

Yes, there is no waiting period between loan applications.

Yes, we are currently working on our mortgage offerings and plan to offer this facility to members soon. Please ask in branch for more information.

Our standard Personal Loan or our Green Loan (for electric or hybrid vehicles) are the products most suited for car loans. Please see here for information on current rates.

When you become a member of Mountmellick Credit Union, you’re opening a ‘share’ account. This is your main savings account. You also have a share in the ownership of Mountmellick Credit Union. This is why account holders are referred to as members and not customers.

Yes. Mountmellick Credit Union is a financially strong and stable credit union. We are regulated by the Central Bank of Ireland. Reg. No. 159CU. Our member’s savings continue to be guaranteed by the Government Deposit Guarantee Scheme. More information on the scheme can be found on the Central Bank of Ireland’s website.


There are several ways to make lodgements into your savings account.

Direct Debit – if you wish to save regularly, you can set up a direct debit from an account with another financial institution to your credit union account. This can be set up in branch, or by e-mailing us at info@mountmellickcu.com

Standing Order – another option for regular savings is to set up a standing order from your main bank account. Using the BIC and IBAN for your credit union account (which we can provide) you can usually do this online with your bank if you are set up for online access. If not, you would need to contact your bank for more information on their process for setting up standing orders.

Online Debit Card Payment – with online access you can make a one-time debit card payment into your credit union account. This feature is not currently available on our app.

Login or register here.

Online Bank Transfer - Using the BIC and IBAN for your credit union account (which we can provide), you can make a one-time SEPA transfer online from an account with another financial institution.

(Please note: Mountmellick Credit Union is registered for SEPA payments only. Mountmellick Credit Union is unable to accept SWIFT payments. You may incur charges if you attempt to send money to your account in Mountmellick Credit Union via SWIFT.)

In Branch – with cash or a debit card. See opening hours here.

Our current share cap is €100,000 per member, across all accounts. Our share cap is revised regularly.

  • Our limit on cash available for withdrawal at the counter is €5,000 (this can be reduced during busy times, please contact us to check availability).
  • When accessing your account online, you can transfer a maximum of €5,000 per day from your share account.
  • When in-branch, you can transfer a maximum of €50,000 per day.

It is important to note that funds transferred may not arrive to your bank account until the next business day.

There is no interest earned on savings with the credit union, however, all share accounts you hold with Mountmellick Credit Union Limited are eligible for a dividend. A dividend is the return on your shares and it is paid by your credit union out of any surplus.*

The dividend is proposed by the board at the Annual General Meeting and approved by the members.

The amount of your dividend will depend on:

  • The amount of shares you have saved
  • The surplus income available for distribution to members.

*Past performance is not a reliable guide to future returns.

Whenever possible, Mountmellick Credit Union will also process an annual interest rebate for eligible members paying active loans. This means that members get a refund of some of the loan interest which they paid during the year. Please ask a member of staff for more information on this.

Yes. Your Shares account is your main savings account, however you can open sub accounts, e.g. Access Savings 1 or Access Savings 2 to save separately. These sub accounts are handy if you have a loan with us, as the funds in your Shares account may need to be held as collateral against the loan, but you can continue to save into a sub account and have access to these funds anytime.

Yes! You can view balances, make lodgements, transfer between your accounts or to external bank accounts, and view and download statements.

Mountmellick Credit Union operates a Life Savings Benefit scheme. A summary explaining what this is and what is covered can be viewed here.

Once the Credit Union is notified of a member’s death via the production of an official death certificate, a benefit claim will be submitted, if applicable. Any additional funds due from the Life Savings Benefit claim will be added to the member’s savings and Mountmellick Credit Union will then disburse the deceased member’s funds to the member’s nominee, up to a maximum of €27,000 (€23,000 on deaths that occurred before 22/2/2024). Any amount in excess of this balance would form part of the deceased persons’ estate.

Credit unions have a nomination facility whereby if you are over 16 years of age, you can nominate someone to receive the property of your credit union accounts upon your death. This is of benefit if the member dies without leaving a will as the property left in the credit union will not have to pass through the sometimes-lengthy intestacy process.

This is a unique service for credit union members. A nomination is a legally binding, written instruction that tells the credit union what to do with your money after your death. It is a free service to members, and we encourage all members over the age of 16 to make a valid nomination.

The nomination service is very valuable to members and their families as it allows access to the nominated funds by the nominee within a very short period of time after the death of the member. While it will not relieve the loss suffered by the nominee, it serves to relieve potential cash flow difficulties.

  • Free, easy and confidential. Ask any staff member in any of our offices
  • Available to all members aged 16 and over
  • Can be updated at any time
  • Any clearly identified person can be a nominee – it does not necessarily have to be next of kin
  • A member may nominate more than one person

Members, please note the following:

In order to be valid, the form of nomination must be:

  • completed in writing in branch
  • witnessed by two staff members (the witnesses cannot be a named nominee)

A will does not over-rule a valid nomination; The nomination supersedes any will in place.

The statutory maximum amount that will be paid out under a nomination is currently €27,000 (€23,000 on deaths that occurred before 22/02/2024). Any amount in excess of this balance will form part of your estate.

A marriage invalidates a nomination.

A new nomination made after marriage is valid.

Divorce or legal separation will not revoke a nomination. If your personal circumstances change, e.g. marriage, divorce, legal separation, you should review your nomination.

A nomination is automatically revoked when your nominee dies before you. In this case, you should consider completing a new nomination. If you do not, your property in the credit union will form part of your estate.

If you elect not to complete a nomination, the proceeds of your account will form part of your estate on your death and will be dealt with under the terms of your will.

We would encourage every member to make a nomination on their account and review it regularly.

You can contact the credit union on 057 862 4425 if you would like to review the nomination on your account, and you can call into any of our offices to amend or update.

Note that a nomination form must be witnessed by two credit union staff.

Opening hours can be found here.

Yes, we are currently working on our current account offerings and plan to offer this facility to members soon.

Members can fill out the form here to register for online banking. A member of staff will contact you on the telephone number provided to verify your identity and complete the registration process. Once all details have been verified, a PIN can be sent securely via SMS or by post.

You can fill out the form here, and a member of staff will contact you to verify your identity and re-issue a PIN.

Click on the LOGIN button to access your account. You will be asked for your member number, your date of birth and 3 random digits of your PIN to login to the secure member area.

In the member area, click the Online Banking tile on the left. You will be asked again for 3 digits from your PIN.

A handy step-by-step guide is available to view and download here.

SCA stands for Strong Customer Authentication. It is one of the regulations under the Revised Payment Service Directive (PSD2). It states that a customer must verify their identity before payment information can be exchanged between a financial institution. SCA will be triggered at certain online event types, such as when downloading a statement.

SCA codes are automatically sent as an SMS to the mobile number registered with Mountmellick Credit Union.

If you are not receiving the code but are receiving other SMS messages, your network provider may have flagged it as spam and blocked it. Contact your network provider directly to resolve this issue.

Visit the troubleshooting / help section to view a list of potential problems and solutions.

If this doesn’t resolve your issue, please call the credit union on 057 8624425 during office hours.

Outside of office hours, send an e-mail to info@mountmellickcu.com with details of the issue and a contact number and we will call you back as soon as we can.

Yes. Using the PIN, you were originally issued by Mountmellick Credit Union, login to Online Banking. Within Online Banking, click on Personal Settings (top right corner). You will have the option on this page to change your PIN. Your PIN will then be changed for both your website login and your app login.

Our simple and secure Online Banking allows you to access and manage your credit union account 24/7. You can apply for a loan, set up new payees, pay bills, transfer funds, view account balances and access your e-statements, with no fees or charges.

Yes. A joint account can be setup for online access, unless two signatures are required for withdrawals. Please ask a member of staff for more information.

Online access is limited to members aged 16 or over.

Mountmellick Credit Union will never ask you to click a link in a text message or email to verify your account. If you have any doubts as to the authenticity of a text message, call our office on 057 862 4425

To download the Mountmellick Credit Union Mobile App, please select the relevant link below or go directly to the Apple App Store or Google Play Store and search for ‘Mountmellick Credit Union’.





Our Mobile App is available to all members who have registered for online access. If you do not yet have a PIN for Online Banking, click here to register.

If you already have a PIN for Online Banking, you will use the same PIN on the Mobile App.

Getting started with our Mobile App is easy. Firstly, please ensure you have a valid, and verified, mobile phone number. If your number is not verified, you can verify it by logging into your Online Banking Account.

Once this is completed, search for our App on the App Store or Google Play Store. Then, simply login using your Member Number, Date of Birth and Pin.

Our simple and secure Mobile App allows you to access and manage your credit union account on-the-go.

View Account Balances & Transactions

Viewing your account balances and recent transactions is easy. Our account balances screen is easy to navigate and ensures you can be sure to keep track of your spending.

Move Funds with Ease

We’ve made it easy for you to transfer money between your credit union accounts, or to an external bank account.

Upload Documents

If we are waiting on updated documents for your account, you can get them to us via the Mobile App.

Apply For A Loan

You can now apply for a loan quickly and easily via the Mobile App!

If the external bank account is already set up as a payee from your account, then, yes! Simply click on Transfer to Other Accounts and choose this bank account from the ‘To Account’ drop-down.

To double check the details of a payee, Click on PAYEES from the main menu.

If you don’t see the bank account in the list of External Accounts within the Payees section, you will need to set up this bank account as a payee first. This can be done through Online Banking on our website – login here.

You can view transactions for the last 90 days on the app. To view transactions older than this, or to download a statement, login to the Online Banking portal – login here.

No, a Card Payment feature is not currently available on the Mobile App. You can however, make a debit card payment if you log in to your account via our website. When you log into the members area and before you launch ‘Online Banking’ there is an option on the menu on the left hand side to ‘Make a Payment’.

  • Are you using the most up-to-date version of the app? Check the Play Store or App Store for available updates.
  • Check your storage space.
  • Has your internet connection dropped? Try restarting your phone.
  • Is the Mountmellick Credit Union app down due to scheduled maintenance? Check if there is a scheduled maintenance message on the Online Banking portal.
  • The issue may be temporary. Wait 10-15 minutes and try again.

If you are still experiencing difficulties accessing the app, please try logging in to the online banking portal instead.

If you are also unable to access the online banking portal and access to either the app or the portal is not restored within 15 minutes, please send an e-mail to info@mountmellickcu.com with details of the issue and a contact number and we will call you back as soon as we can.

Absolutely! We encourage members to send us feedback to help us improve our products and services. Please e-mail suggestions to info@mountmellickcu.com

A Credit Union is a financial services co-operative. We encourage financial inclusion and promote financial well-being to members of our communities by offering fair access to savings and low-cost loans. Credit Union’s differ from banks, in that they exist only to serve members – not to profit from their need.

As not-for-profit financial institutions, Credit Unions are the ethical choice. Members savings and income generated are used to fund loans to other credit-worthy members within the community for productive purposes. The Credit Unions also promote social, cultural and education activities in the local community by providing financial assistance to local groups and clubs where possible.

We have offices in Mountmellick Co. Laois, Clonaslee Co. Laois, and Rathangan Co. Kildare. We can offer our services to people living, working, or studying within these areas. Full details of the areas our common bond covers can be found here.

As well as contributing to the financial well-being of our members through savings and loans, Mountmellick Credit Union also supports a wide range of community organisations and events.

We aim to make our community a better place by supporting good causes that seek our help such as local charities, volunteer and fundraising groups, sports clubs, youth groups and tidy towns.

Mountmellick Credit Union encourages you to make contact with us at the earliest possible opportunity to inform us of any changes in your circumstances or any temporary financial difficulty you may be experiencing.

Your Credit Union is ready to work with you to help you through any difficulty you are having in meeting your loan repayment. It’s very important to make contact with us at the earliest opportunity to discuss your options and to keep us informed.

If you are having difficulty in meeting your loan repayment, please contact us by phone on 057-862 4425 or by email at creditcontrol@mountmellickcu.com, you are welcome to call in to meet with an advisor, but we understand this is a difficult time and you may prefer the initial contact to be by phone or email.

If there has been a permanent change in circumstances / if your income has permanently reduced, then the Credit Union may assess the possibility of rescheduling the loan (reduce the repayment / extend the repayment term)

*T&Cs apply along with maximum repayment terms as per the Credit Unions lending policy.

If you are having financial difficulty and cannot / don’t repay your loan as per the agreed repayment detailed in your credit agreement, this can affect your credit rating.

Mountmellick Credit Union is registered with the Central Credit Register (CCR) and missed repayments and loan arrears can negatively affect your credit rating and the ability to access credit from the Credit Union and from other lenders.

For free confidential independent advice on money and budgeting, contact MABS www.mabs.ie

To see how arrears are affecting your credit rating, visit www.centralcreditregister.ie

*For further information and to receive the terms of rescheduling a Credit Union loan, please email creditcontrol@mountmellickcu.com

We are always happy to hear that our members are getting back on their feet. Please feel free to call us on 057 862 4425 or email us at creditcontrol@mountmellickcu.com to discuss your options. We can help you find the best way forward for your personal circumstances.

The simplest way of clearing down the arrears on your loan is to pay a little bit more every week. Contact our Credit Control Team on creditcontrol@mountmellickcu.com and they will agree a repayment plan with you to reduce your arrears each week.

At Mountmellick Credit Union we make every effort to supply all currencies required by our members. We usually have small amounts of UK Sterling and US & Australian Dollars available. For other currencies or for amounts over €300, we would require a minimum of 2 working days’ notice at all times of the year, as we do not hold a stock of every currency.

You can place an order for currency in branch or by phone.

During the summer months we ask for 2 working days-notice, when ordering any currency, including UK Sterling and US & Australian Dollars. Priority will be given to those who order in advance. However we will always try to facilitate members who have not ordered in advance. To avoid disappointment, please order in advance and before 12pm whenever possible.

You receive the rate for your currency on the day you collect and NOT the day it is ordered.

Yes, all members can exchange their foreign currency for Euros, which can be lodged to your account or paid out in cash. If you are returning unused currency that was bought in our credit union, you will not be charged commission to exchange it. Just call into our office and our staff will be happy to help you.

Please be advised that if you are seeking to exchange foreign currency by cheque, funds can only be paid out if there is enough in your shares account to cover the value until the cheque clears. It may take up to 6 weeks for a foreign currency cheque to clear.

Yes, all of our branches offer foreign currency services. Members in Clonaslee should order in advance for collection the following Friday or they can collect within 2 days at one of our other branches.

When you log in to the member area, launch online banking, and click ‘Personal Settings’ on the top right-hand side of the screen. Here you can view and update your Marketing Preferences and also your Communication Preferences for Obligatory Communications such as statements and AGM notifications.

As a member of the Credit Union, we like to keep you up to date on things like events, community activities and member prize draws as well as updates to our products and services.

Please note that you may withdraw your consent at any time using this online facility or by contacting the Credit Union at Mountmellick Credit Union Ltd, Sarsfield Street, Mountmellick, Co Laois, 057 8624425 or at membership@mountmellickcu.com

The facility to set your Marketing Preferences is currently only available in the online banking area on our website. You can also ask to view / change your Marketing Preferences in person at one of our three branches, by sending an email to info@mountmellickcu.com or by phone on 057 862 4425.

All marketing emails we send will include an option to unsubscribe, usually in the footer of the email. Unsubscribing from our email list only removes your email address from our marketing mailing list. It will not remove your mobile number from our SMS list or affect how you receive your Obligatory Communications such as your annual AGM booklet or access to your electronic statements.

Obligatory communications include any electronic or hard copy documents that we are obliged to send members by law.

Separate to your Marketing Preferences, you can opt in or out of receiving your obligatory member communications electronically, also in the online member area. This currently includes your account statements and your annual AGM booklet.

To opt in to receiving electronic statements you must be set up for online access. Your statements can then be viewed or downloaded as needed from your member area.

This means that you are entitled to object to how we are using your personal data, regardless of your Marketing Preferences. You can do this by emailing dpo@mountmellickcu.com with the relevant information. Please put ‘My Right to Object’ in the subject line of the email and explain as clearly as possible your reasons for objecting.

Opting to receive your documents electronically is more environmentally friendly as it reduces our use of paper ink, and electricity. It will also reduce our printing and postage costs.

E-statements more secure than receiving a statement by post. The statement is generated at your request. It is stored on our secure servers, and it is only accessible via your online member portal.

Apart from the obvious benefit to the environment by enabling us to reduce the amount of paper and ink consumables we are using, as well as the fuel used to deliver them, printed booklets are also a significant cost to the credit union.

Mountmellick Credit Union is a member owned financial co-operative. It is important that spend on areas like printing is regularly evaluated and alternative options considered where possible.

Producing and posting printed AGM booklets is a significant cost to the credit union each year.

Opting to receive your AGM booklet as a pdf by email means print and postage costs are significantly reduced or (hopefully!) eliminated. This money can then be put to better use, improving products and services for our members.

Loan Protection Insurance (LPI) is the insurance cover the Credit Union provides on the loans of eligible members.

Should an eligible member with an outstanding loan balance die, the balance is repaid in full, subject to applicable terms and conditions and certain cover limits.

You will be informed at the time of the loan application if your loan exceeds the amount covered by the credit unions policy.

The premium for this insurance is paid by the credit union.

If you are an eligible member, this means that you can borrow from your credit union in the full confidence that your dependents will not be obliged to repay the outstanding loan balance in the event of your death.

Under the cover provided by the Mountmellick Credit Union policy, death cover on loans ceases on the members 85th birthday.

Life Savings Insurance is the life insurance cover the Credit Union provides for its eligible members at no direct cost to them, and as an additional incentive for them to save regularly. The amount of insurance benefit to which a member is entitled is in proportion to the amount of savings the member has and depends on the members age at date of lodgement.

Mountmellick Credit Union values your feedback, whether positive or negative. Your input helps us grow and enhance our services for both our members and the community. If you are not satisfied with the service you receive from us you can tell us about it in person, by email to info@mountmellickcu.com or by phone on 057 862 4425. Alternatively, you can complete our online form and upload any supporting documentation. If you prefer you can also download the form, complete it, attach any supporting documents and post to; Complaints Officer, Mountmellick Credit Union Ltd., Sarsfield Street, Mountmellick, Co. Laois,

It is our objective to resolve all complaints promptly and fairly. You can expect to receive an acknowledgement and update on your complaint within 5 business days.

If, after following our complaints process, you are still not satisfied with the response, you can refer the complaint to the Financial Services and Pensions Ombudsman (FSPO) via their online form; https://www.fspo.ie/complaint-form.aspx The FSPO is an independent, statutory body that can investigate your complaint.

Financial Services & Pensions Ombudsman

Address: Lincoln House, Lincoln Place, Dublin 2, D02 VH29.

Phone: +353 1 567 7000

Email: info@fspo.ie

More information on their process can be found here https://www.fspo.ie/make-a-complaint/how-to-make-a-complaint-to-the-fspo/