When we say "fee-free," we mean it unequivocally. Unlike many other financial institutions, we firmly believe that our members shouldn't have to worry about unexpected (or expected) charges eating into their hard-earned money. We prioritise building trust and fostering long-term relationships with our members, knowing that their financial well-being is paramount.

At Mountmellick Credit Union, we pride ourselves on providing a banking experience that truly puts our customers first. While many financial institutions are moving towards online-only services, we understand the importance of maintaining person-to-person interactions and the convenience of cash transactions. With us, you get the best of both worlds. You have complete access to your accounts through our user-friendly website and convenient mobile app, ensuring you can manage your finances anytime, anywhere. Plus, we offer the added benefit of real people being available to assist you five days a week, including Saturdays. We believe in enhancing accessibility without sacrificing the personal touch that sets us apart.

We prioritise meeting the needs of our valued members by continuously assessing and adapting our opening hours across all our locations. In response to feedback and careful analysis of foot traffic at our branches, we have recently implemented positive changes to our office hours. Now, to better serve you, we open our doors earlier, at 9.30am. We’re here until 6pm on Fridays and from 9.30am to 1pm on Saturdays. These adjustments reflect our commitment to providing convenient access to our services, ensuring that you can easily engage with us at times that suit your schedule.

At Mountmellick Credit Union Limited, every share account you maintain qualifies for a dividend, offering you a rewarding return on your shares. This dividend, which is disbursed from any surplus, represents our commitment to sharing the success of our cooperative with our members. Your dividend amount is determined by the level of shares you've accumulated, and the surplus income allocated for distribution among members, ensuring that your savings efforts are consistently recognised and rewarded.

Mountmellick Credit Union may, subject to available funds, offer an annual interest rebate to qualifying members with active loans. This initiative entails members receiving a partial refund of the loan interest they've paid throughout the year, adding an extra benefit to their borrowing experience. For further details, we encourage you to speak with one of our friendly staff members who will be delighted to provide you with more information.

Loan Protection Insurance (LPI) is the valuable insurance coverage provided by the Credit Union to eligible members for their loans, at no direct cost. As an eligible member, this means you can confidently borrow from your credit union knowing that in the unfortunate event of your passing, your dependents will not be burdened with repaying the remaining loan balance. It's a comforting reassurance we provide to our members, ensuring peace of mind during challenging times.

We provide Life Savings Insurance to eligible members, up to a maximum value of €20,000, at no direct cost to them. This serves as an extra encouragement for our members to cultivate a habit of regular saving. The insurance benefit that members qualify for is directly correlated with their savings and is influenced by their age at the time of deposit. It's yet another way we reward our members for their commitment to financial responsibility, offering added peace of mind and security as they build their savings.

Your opinion holds significant weight due to the cooperative nature of a credit union. Unlike traditional banks, credit unions are owned and operated by their members, fostering a sense of community and shared responsibility. As such, every member's input is valued as it directly shapes the direction and decisions of the credit union. Members' opinions are crucial in guiding the development of products and services that best meet their needs and preferences. Ultimately, a member's opinion matters more in a credit union because it is fundamental to maintaining the cooperative spirit and ensuring the institution continues to serve all of its members effectively and responsibly.

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Join Mountmellick Credit Union and get your loan approved on the same day! No waiting period, no need to be a current saver with us. With just a minimum of €5.00 in your shares, you're eligible to apply. Borrow what you need, when you need it, with loan decisions based on your affordability and credit history, not the amount of savings you have with us. Plus, you can apply for a new loan even if you have an existing one, with no penalties for early repayment. We offer flexible repayment plans tailored to your circumstances. Our goal is to meet the borrowing needs of as many members as possible, ensuring access to funds when you need them most!

As a financial services cooperative, we prioritise financial well-being and responsible lending. We strive for financial inclusion, offering fair access to savings and affordable loans to members of our communities. Unlike banks, we exist solely to serve our members, not to profit from their needs. As not-for-profit institutions, Credit Unions are the ethical choice, utilising members' savings, and income to fund loans for other creditworthy members within the community, fostering productive endeavours. Additionally, we actively support social, cultural, and educational activities in the local community, providing financial assistance to local groups and clubs whenever possible. Join us in building a financially empowered and resilient community!