Here you can see a list of our most Frequently Asked Questions organised by category. If your question is not listed, please feel free to submit a question via our contact form or call us on: 045-521928

Straight away! Kildare Credit Union welcomes loan applications from our members, regardless of how long they have been a member.

Contrary to popular belief, you do not need to have 25% of the amount you wish to borrow in savings/shares. Each application is assessed on its own merit. You need to show you have the capacity to make repayments as well as having enough left to live on. In addition, it is not imperative that you save for a specified period. The loans team can prove repayment capacity for a brand-new member by seeing other regular savings or loans discontinuing elsewhere. Both measures outlined can prove adequate comfort to us that is sufficient for the proposed loan

You can make an application online by logging into the Member Login area. Alternatively, you can apply at any of our three offices (Kildare, Narraghmore and Kilcullen).  You can phone us on 045-521928 to make an application over the telephone.

For most loans, we will need 3 Recent Payslips and 3 Months Recent Bank Statements
For Share Secured loans, we usually require only 1 payslip.

There may be other documentation required depending on the loan type

We will need a copy of your most recent accounts, your notice of assessment and business and personal bank statements for the previous three months.

Apply for what you need, and the Lending Officer will decide based on the information you have supplied, including the ability to repay and your savings record with us. The maximum loan amount that Kildare Credit Union can issue is €100,000.

We lend to our members for everything from household expenses, annual expenses or for a larger purchase, like buying a new car or renovating your home. It is important to be honest and tell us why you want a loan, and to be realistic about what you really need to borrow and can afford to pay back. We do advocate that you make smart decisions now, so that you don't put yourself under pressure in the future.

The first thing you need to do is contact Credit Control on 045-854043 / 045-521928 as soon as your circumstances change. We always work closely with our members and come up with the best solution to help you get through this difficult period, whether it's short term or long term. We are here to work with you and there are always options.

The Central Credit Register (CCR) is a centralised system that collects and securely stores information about loans. It is managed by the Central Bank of Ireland, under the Credit Reporting Act 2013. The Register collects information on loans of €500 or more, including overdrafts and personal loans.

Your loan with Kildare Credit Union is usually covered automatically by Loan Protection Insurance at no additional cost. Loans outstanding at the time of death are paid off in full providing the deceased met eligibility conditions when granting the loan.

Membership of Kildare Credit Union is open to anyone who lives or works within our common bond.

The Common Bond is the factor which unites the members of a Credit Union together i.e., those living or working in the same area may join a credit union. It defines the area in which a credit union can operate. The Common Bond ensures that the savings of members of the community are available to fellow members as loans - it is essentially people doing it for themselves.

The Common Bond demonstrates effectively how a credit union is a credit co-operative with members working together to achieve a better life for themselves. You are eligible to become a member of Kildare Credit Union if you live or work in the Common Bond.
Kildare Credit Union has three offices:
1. Kildare Office, Rea House, Bride Street, Kildare Town
2. Narraghmore Office, Narraghmore, Ballytore, Co. Kildare
3. Kilcullen Office, Credit Union House, Main Street, Kilcullen.

A map of our common bond is on the home page of our website.

You will need to call into any of our three offices and provide the following documentation:

• Birth Cert or Passport for your Child
• Proof of PPSN
• Proof of address (parent)
• Proof of Identification for parent i.e. Drivers’ Licence or Passport

Please call into any of our three offices with proof of ID, proof of address and sign new membership documentation to reactivate your account.

Under Rule 19 Standard Rules for Credit Union, if you have not transacted on your account for a period of 3 years or more and you do not respond to final notification of contact from our office, then your account will automatically be categorised as Dormant. You can prevent this by updating your account with Passport/Drivers Licence, Proof of address (within last 6 months) and a lodgement to your account.

A Politically Exposed Person (PEP) is or has in the preceding 12 months been an individual who is entrusted with a prominent public function, other than as a middle ranking or more junior official.  As per Section 37 (10) of the Criminal Justice Act (CJA) 2010, a PEP including the following:

  • Heads of state, heads of government, ministers and deputy or assistant ministers;
  • Members of parliament or of similar legislative bodies;
  • Members of the governing bodies of political parties;
  • Members of supreme courts, of constitutional courts or of other high-level judicial bodies whose decisions, other than in exceptional circumstances, are not subject to further appeal;
  • Members of courts of auditors or of the boards of central banks;
  • Ambassadors, charges d-affaires and high-raking officers in the armed forces;
  • Members of the administrative, management or supervisory bodies of state-owned enterprises;
  • Directors, deputy directors and members of the board or equivalent function of an international organisation.

Every member can save up to €40,000.

Your savings with Kildare Credit Union are protected up to €12,700 by the Irish League of Credit Union's Savings Protection Scheme. Your savings are also covered up to €100,000 by the Deposit Guarantee Scheme.

Our limit on cash available at the counter is €1,000 but there is no limit on transferring funds directly into your bank account. It is important to note that funds transferred before 1.30pm will arrive in your account the same day by close of business.

Yes, you can have your wages and any other source of income paid directly into your credit union account.

Not anymore! From October 1st 2023, the Board of Directors have removed the monthly lodgement limit. Lodgements up to the €40,000 savings limit will be accepted.

Any funds transferred before 1.30pm will generally arrive in your account the same day by close of business or to the receiver's account, and the next working day for after 1.30pm. Bank holidays may lead to some variations on this.

Kildare Credit Union will consider loan applications for prudent or provident purposes. Each application is treated with the utmost confidentiality and will be considered on its merits. A loan application may be made in person at Kildare Credit Union, over the phone or by logging into the secure Members' Area of this website.

Savings as shares and deposits with Kildare Credit Union are a better way to save. With Kildare Credit Union, you are not just another customer but a member with a say in the operation of the Credit Union. Savings of up to €12,700 are protected by the Irish League of Credit Unions Savings Protection Scheme and also covered up to €100,000 by the Deposit Guarantee Scheme.

Kildare Credit Union, in partnership with FEXCO, operates a full bureau de change service for our members at out Kildare Office only. A stock of major currencies is held and other currencies can be ordered in for the next day on request. We can also exchange your foreign notes for euro. Beat the queues in the bank and post office and come to Kildare Credit Union for all your foreign exchange transactions!

We collect payments on behalf of Ireland’s biggest utility companies including Bord Gais, ESB Electric Ireland, Eir, AES and UPC. We can also take Eflow toll payments and Property Tax payments. You get a receipt for every payment you make, and your customer account is credited the next working day. We also can issue phone credit for all major mobile phone networks.

Loan Protection Insurance is the insurance cover Kildare Credit Union provides on the lives of its borrowing members. This insurance is provided by the credit union at no direct cost to the members. Should an insured borrower die, the insurance cover will usually repay the loan in full.

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 from the Online Banking menu to access your account. You will be asked for your member number, your date of birth and 3 digits out of your PIN to login to the member area. Within the member area, where it says Online Banking, click on LAUNCH NOW. You will be asked for 3 digits out of your PIN again to access your account.

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 event types, such as when downloading a statement.

SCA codes are automatically sent to the Kildare Credit Union Mobile App. If you do not yet have the Mobile App downloaded, when prompted, click where it says “Click here if you do not want to install the mobile app or do not have a smart device”. You will then get the option to download the Mobile App or receive a text with the SCA code.

Yes, our smartphone app is called 'Kildare Credit Union'. You can download the app by clicking the relevant button below.


An express trust is one created in express terms as distinguished from one inferred by the law from the conduct or dealings of the parties.

Relevant trusts must submit information to the Central Register of Beneficial Ownership of Trusts (CRBOT) when:

  • the trustees are resident in the state
  • or
  • the trust is administered in the state.

A relevant trust is an express trust established by deed or other declaration in writing.

The 2021 amendment to the Criminal Justice Act (Money Laundering and Terrorist Financing) Act 2010 requires financial institutions holding non-personal accounts to obtain the details of the natural persons who are the beneficial owners of these accounts. For example if the organisation is listed as an Express Trust, the beneficial owners would be the trustees. Quite often for unincorporated associations, the beneficial owners are in reality more beneficial controllers and may be the executive committee or the account signatories as these are the people who have been appointed to manage the funds of the organisation on behalf of its’ members. Our legal obligation as a financial institution is to identify each beneficial owner with ID and Proof of Address and they will also be required to sign the membership documents (in addition to the signatories, if different). Clubs/ Associations wishing to open a new account may want to consult with their affiliated body for guidance on beneficial ownership prior to confirming the beneficial ownership details with us.

Cheques take ten working days to clear. Direct Debits take five working days to clear. Money received by standing order or through Electronic Funds Transfer can take one to two days to cross accounts, but after that, they are cleared straight away.

Kildare Office: The Kildare office is open five days a week, 9am to 4pm on Tuesdays, Wednesdays, Thursdays, 9am to 5pm on Fridays and from 9am to 1pm on Saturdays.  We are open right throughout lunch.

Narraghmore Office: The Narraghmore office is open three days a week, 9am to 4pm on Mondays, Tuesdays, Fridays. On these days, the office closes for lunch from 1pm to 2pm.

Kilcullen Office: The Kilcullen office is open five days a week, 9am to 4pm Tuesdays to Fridays and from 9am to 1pm on Saturdays.  The Kilcullen office closes for lunch from 1pm to 2pm during the week.

A nomination is a unique facility for credit union members. If you are over 16 years of age, you can nominate someone to receive the property of your credit union accounts upon your death up to a maximum of €27,000. 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-timely grant of probate process.

You can make a nomination on your account. A nomination can be described as a ‘mini-will’. See our nominations page for more details.

Kildare Credit Union's first priority is always to safeguard our members' money.

For this reason KCU recommends availing of the services of the Decision Support Service (DSS) which was set up following the introduction of the Assisted Decision Making (Capacity) Act 2015. This service offers support to people who require assistance when making important decisions. An overview of the work they do, along with their contact details, can be found by clicking on the link: https://www.decisionsupportservice.ie/sites/default/files/2023-05/10766%20Mental%20Health%20Commission%20DSS%20DL%20leaflet_0.pdf

A decision support arrangement will allow you to continue to manage your account whilst having the supports you need in place. Kildare Credit Union must be informed of any such arrangement and time must be given to allow us to verify this information with the DSS.