You are not just another customer to us but an active member. You will have a share in the ownership of the Credit Union in addition to having a say in the operation of the Credit Union at the annual AGM. Savings in a Credit Union is a better way to save as you may also earn dividends.
Once you activate your account with a minimum of €10 you are then an active member and are welcome to apply for your online access. You will then have the services of the credit union at your finger tips 24/7!
Free online 24/7 access to your shares account
Savings balances over and above any loan you may have are available to you to withdraw on demand
Savings may attract dividends (subject to approval at our AGM)
There are no transaction charges or fees on your shares or deposit account
Life cover options available
This total savings you can have in the credit union is €70,000. Please be assured, those members with a Share Account in excess of €70,000 on 31st of October 2018 will not be required to withdraw any amount over this new limit in order to reduce the balance to meet this new rule. They will not however be able to make any further lodgements that bring their total to over €70,000 and back to their previous savings level, once their excess shares fall below the new figure.
In the event where there is a Joint Account in the name of 2 esccu members, the limit that the account is permitted to reach will be a total of €140,000. This acknowledges the maximum account allowance of €70,000 for each of the 2 members.
The Board of the Credit Union made this decision based principally on the need to ensure that the Credit Union continues to have a strong capital ratio, whilst also addressing the challenges that arise from a historically low interest rate environment.
Our Bill Buddy - Budget Account is available to assist you manage your outgoings with ease.Find out more
All members will have a Shares account with esccu which is their main savings account.Join Now