CASH DRAW 2018
Have you joined our Member's €10,000 Cash Draw? The next draw will take place in our Stillorgan foyer on Thursday 20th April.
For only €44 you can enter the remaining 4 draws of the year. Closing date for entreis is Friday 26th April. Download your entry form here
Please note - Regarding the recent Central Bank publiciation on Credit Union Car/Cash Draws, we would like to assure our members that as per Rule # 12 of the Competition rules (on the back of the entry form), staff, management and directors of South Dublin Credit Union have never been permitted to enter this draw. The draw is held in public in the foyer of our Stillorgan Branch and the winning number is selected by a random number generator which is operated by a member and observed by a board director. A list of winners for the past 2 years is available on the News section of our website. Full list of winners from draw inception is available from the office.
SOUTH DUBLIN CREDIT UNION
LOAN RATES - 2018
We aim to be a one stop shop for all of our members day to day loan requirements... check out our fantastic low loan rates. NO administration fees or transaction costs, LOW interest rettes, NO penalties for early repayment, FREE Loan Insurance (T&Cs apply).
Apply online in the members area, drop in or give us a call on 01 2884877. Friendly proffesional staff and excellent customer service assured!
SOUTH DUBLIN CREDIT UNION CASH DRAW
In light of the recent Central Bank publication on Car Draws, we would like to clarify that we do not allow Directors, Supervisors or Employees enter our Members' €10,000 Cash Draw. This has always been one of the rules of our draw since it's inception. This is clearly outlined in #12 of our competition rules on the Cash Draw Entry Form:
"12. Directors, supervisors or employees of South Dublin Credit Union Limited will not be eligible to participate in the Cash Draw."
Each draw takes place in public in our Stillorgan foyer with one director and at least one member present. We use a random number generator to select the winner and this is operated by the member.
The winners' names are published on both our Facebook Page and on this website newsfeed and are available upon request at the counter.
Surplus funds generated by the cash draw are distributed to draw members via additional draws which are held on occasion and announced on this website and our FB page in advance of the draw.
Please see below a list of winners for the past 2 years.
February Tony O’Brien (Winner Drawn on 6th March 2018 - delayed due to snow)
February Cliona Colgan
April Shirley Barnwell
June Dorothea Peare
August Eleanor Savage
October Oonagh Meagher
December Kate Lawless
February Finbar Lehane
April Sandra McGarry
June Margaret Kelly
Supplementary Draw: Noeleen O’Leary (Surplus funds)
August Shelagh O’Donnell
Supplementary Draw: Fiona Doyle (Surplus funds)
October Alison O’Sullivan
December Barbara Downey
Supplementary Draw #1 Aisling Towey (Surplus Funds)
Supplementary Draw #2 Angela Long (Surplus Funds)
Stillorgan Branch Easter Opening Hours 2018
Donnybrook Branch Easter Opening Hours 2018
CASH DRAW FEBRUARY 2018
Member Notice - The first cash draw of 2018 has been postponed by a few days... the draw will now take place on Wednesday 28th February.
The winner will be contacted directly and announced on this website and on our Facebook page!
Good luck to all entrants!
NEW: MEDICAL LOAN - 6.5% APR
Your health is your wealth as the saying goes… but looking after your health and wellbeing can also be a costly business. So we've introduced a new MEDICAL LOAN at just 6.5% APR.
So if you need a medical procedure (elective or non-elective), or are considering dental procedures or laser eye surgery, apply today for your low rate loan.
WEDDING & SPECIAL OCCASION LOAN
We are delighted to announce that we have a new WEDDING & SPECIAL OCCASION Loan Rate - only 7.95% APR. So if you're planning your big day or popping the question - pop into us and we can help make your dream wedding a reality!
This new rate applies to loans for all special occasions - communions, confirmations, engagements, anniversaries...
MEMBERS €10,000 CASH DRAW 2018
Have you joined our Members' €10,000 Cash Draw yet? Our Members' limited draw will take place bi-monthly and members have 6 chances to win each year. Cost of entry is just €52.
The first draw of 2018 till take place on Thursday 22nd February. Closing date for entries is Friday 16th February. All entrants for 2017 will be automatically re-entered into the 2018 draw.*
* Entry to the draw is automatically renewed each year unless the member opts out in writing at least 21 days prior to first of each yearly cash draw. Cost of entry will be taken from the member's share balance. The member must maintain a minimum of €5 in shares after payment has been deducted.
The Irish Times / South Dublin Credit Union Feature
"South Dublin Credit Union Eyes Up Further Expansion"
The Irish Times featured the following article on South Dublin Credit Union, 31 January 2018, (click link to view):
LOAN INTEREST REBATE
Great news for all members with loans during our last financial year - a Loan Interest Rebate of 5% was approved at our recent AGM and this has now been refunded into your share account. ;)
ILCU ART COMPETITION
A huge congratulations to Niamh Ní Iceadha who has been selected as winner in the 18 & Over General Category of this year's ILCU Art Competition.
Niamh's entry will be sent forward to National Level, so fingers crossed the judges will be as impressed as we were by her fantastic piece.
18 & Over (General Category) Winning Entry
Niamh Ní Iceadha pictured with her winning artwork.
NOTICE OF AGM South Dublin Credit Union's AGM will take place on Wednesday 17th January at 8.00pm in Glenalbyn Sports Club. All members are invited to attend. Refreshments and plenty of spot prizes on the night!
Members' €10,000 Cash Draw - December 2017
A huge congratulations to
who is the final winner this year in our Members €10,000 Cash Draw.
All Cash Draw Entrants will automatically be re-entered into the 2018 draw. First draw of 2018 will take place in February... download your entry form here!
CU ART COMPETITION WINNERS 2017
We had a fanstastic response and some amazing entries to to our Art Competition this year. Winners have been contacted and the 1st prize entry in each category has been passed on to Chapter level. The winners are:
Age 7 & Under Category:
1st Olivia Ryan
2nd Selina Zhang
3rd Jiaming Zheng
Age 8-10 Category:
1st Matteo Alonzi
2nd Rachel Rainbow
3rd Christo Geo Benny
1st Niamh Ní Iceadha
Special Merit Award:
Above: Some of the winners from Oatlands Primary School pictured with their winning entries
Below: 1st Place Winner in the Adult Category, by Niamh Ní IceadhaCongratulations to All and best of luck at Chapter Level!!
AUTOMATED TELEPHONE PAYMENTS
Unfortunately, we are currently experiencing issues with our Automated Telephone Payment system. We can take these payments manually during office hours. We are hopeful that the system will be up and running again asap. Apologies for any inconvenience caused.
INTERNATIONAL CREDIT UNION DAY 2017
A big thank you to all the lovely members that braved the elements to join us for International Credit Union Day! We had lots of spot prizes to give out and the lucky winners were:
Muriel Bagares (bottle of wine)
Mary Angely Jermyn (€50)
Sean O'Sullivan (bottle of wine)
Anne Strain (bottle of wine)
Maria Walsh (box of biscuits)
Mary Lilly (box of chocolates)
Rory Murphy (bottle of wine)
Ann Beirne (€50)
Baldan Yondon Natsagdorj (bottle of wine)
Isolde Byrne (€50)
Eileen Mooney (box of chocolates)
Therese Brennan (€50)
Elizabeth Grehan (box of chocolates)
Rosaleen Farrelly (box of biscuits)
Anne Smyth (bottle of wine)
Congratulations to you all, and thank you to everyone who stopped by for a cuppa!
Email Phishing Scam
We have been informed that there's currently an email phishing scam targeting credit union members throughout the country.
Members who have been targeted will receive an email from the email address email@example.com or one similar to this. The email will inform the member of a file named "Payment Confirmation" that's been transferred to them through a site called WeTransfer, by what appears to be your Credit Union, and will be encouraged to click to download the files.
This scam is designed to collect your personal details with a view to gaining access to personal financial accounts.
You can read more about phishing scams by following this secure link.
If you receive such an e-mail please delete immediately. Do not open any attachments or clicking links in mails from unknown sources.
EDUCATION LOANS only 6.5% APR
A good education is invaluable, but we all know that it can be expensive. Our Education Loans are exceptional value at only 6.5% APR.
We offer this reduced education loan rate for all forms of education costs, from school books, fees and uniforms to third level fees and expenses to part time adult education courses.
We also provide ANNUAL ROLLING EDUCATION LOANS
– allowing you to top up your loan EVERY YEAR for the duration of your college/university course (maximum 4 years).
If you'd like further information, please take a look at our Information Sheet
or contact us on 01 2884877 or at firstname.lastname@example.org for more information.
**NEW - MOBILE APP**
Have you downloaded our new app yet? Available free from Android and iPhone stores the app gives you access to your account at the tip of your fingertips.
Just search 'South Dublin Credit Union Ltd' in the app store and use your online login details to access your account.
The Single Euro Payments Area, (SEPA), is a European Union initiative that changes the way electronic payments in Euro are processed across the SEPA Zone countries. It simplifies the way we make and receive payments.
Making payments in Euro to any SEPA Zone country is the same as making the payment in Ireland. South Dublin Credit Union has converted all Direct Debits and Standing Orders to SEPA format, so no action is needed on your part.
Since 1st February 2014 the existing Irish electronic payment system closed down and all electronic payments are now made across the European Union through the new SEPA schemes.
You now need the BIC (Bank Identifier Code) and IBAN (International Bank Account Number) when you are setting up or making electronic payments. These numbers can be found on your existing bank statements.
You can also log onto http://www.ipso.ie/section/IPSOSEPAServices to access a free service to convert a single Sort Code and Bank Account number to BIC and IBAN.
SAY HELLO TO
"SOUTH DUBLIN CREDIT UNION"
Flexible Quarterly Deposit Account Rates:
We are delighted to announce that as and from Wednesday 12th April, Stillorgan Credit Union Limited will be trading as South Dublin Credit Union.
This new name change is the final part of our merger with St Mary's Credit Union Donnybrook, which took place further to member approval at both Credit Union's AGMs earlier this year.
Members can now operate their account at either the Stillorgan or Donnybrook branch.
FLEXIBLE QUARTERLY DEPOSIT ACCOUNT
Current rate up to 30th June 2018 is 0.20%
FLEXIBLE QUARTERLY DEPOSIT ACCOUNT 2
Current rate up to 30th June 2018 is 0.15%
EXTENDED REPAYMENT TERM
ON LOANS OVER €25,000
Repayment Term Now Up To 7 Years
We are delighted to announce that we can now offer an extended repayment term on loans over €25,000. (To date, there was a maximum repayment term of 5 years on all loans.)
Best of all - our great rates apply to these loans. In other words, Home Improvement Loans for €25,000+ remain at the amazing 7.95% APR rate and Car Loans at 6.5% APR.
As always, there are no penalties for early repayment and we never charge administration fees or impose any balloon payments or hidden costs.
Contact us today for more details.Repayment Example on a €25,000 Loan over 5 years (60 months) at 7.95% APR:Monthly repayment: €503.03Total Cost of Credit: €5,181.55Total Amount Repayable: €30,181.55Repayment Example on a €25,000 Loan over 6 years (72 months) at 7.95% APR:Monthly repayment: €434.37Total Cost of Credit: €6,274.45Total Amount Repayable: €31,274.45Repayment Example on a €25,000 Loan over 7 years (84 months) at 7.95% APR:Monthly repayment: €385.62Total Cost of Credit: €7,391.12Total Amount Repayable: €32,391.12
Terms & Conditions apply.
AFFORDABLE EDUCATION LOANS
*Annual Top Ups Available*
Congratulations to all of our members who are off to college this Autumn. We realise that third level education is expensive and may cause financial strain and so we are happy to help our members with an affordable Low Cost Education Loan to finance their college fees and associated costs. APR only 6.5%*.
We also offer members the option of Annual Rolling Education Loan whereby, they can top up their loan at the beginning of each year of their chosen course*.
For example, €3,000 per year over a 4 year course can cost as little as €146 per month*.
As with all our loans, there are no hidden fees or administration costs - and no penalities for early repayment. Call us or e-mail us today for more details.
*The loan is topped up at the start of each college year and has to be repaid within 5 years of graduation. APR 6.5%. Loan may be granted to student (with guarantor) or parent/guardian. Terms and Conditions apply.
ROLLING ANNUAL EDUCATION LOANS
- Borrow €3,000 per year, from only €146 per month* -
Are you or your child starting college this autumn? Prepare for a great future with a Rolling Annual Education Loan from Stillorgan Credit Union.
- Low interest rate of just 6.5% APR
- Annual Top Ups available for duration of course
- Flexible repayment terms to suit YOU
- Education loans insured at no direct cost to yourself (certain terms and conditions apply)
- No hidden administration fees or transaction costs
- No penalties for early repayment
We always encourage feedback and suggestions from our members. So if you would like to give us some feedback or have any comments or suggestions, please send them to email@example.com
AMAZING VALUE CAR LOAN
...BACK BY POPULAR DEMAND!
We are delighted to announce that our amazing value car loan is back. Our car loan rate is now only 6.5% APR, so if it's time to upgrade apply online today!
Repayments on a €5,000 over 5 years are less than €22.50 per week.
No administration costs or hidden fees. Unlike garage finance schemes, this is not a hire purchase deal - you own the car from the outset - and there no nasty balloon payments at the end of the term!
Check out our online calculator today to see how little your new car could cost you!
Terms and conditions apply. Minimum car loan is €5,000.
HOME IMPROVEMENTS LOAN - NEW RATE!
Whether you're looking for a new kitchen, thinking of extending, or would simply like to redecorate... we have some fantastic news for you!
We have now reduced our Home Improvements Loan rate to just 7.95% APR*... it really is the best deal in town! Check out our online calculator here
for more details, then get planning that new kitchen/bathroom/extension you've been dreaming about!!
* Sample: Repayments on €5,000 over 5 years will cost just €23.15 per week. Total amount repayable €6,035.65. Terms and Conditions apply.