FAQs

South Dublin Credit Union is a successful financial cooperative, owned and controlled by its members for its members.

We have over 13,000 members from Stillorgan, Donnybrook, Mount Merrion, Leopardstown, Sandyford, The Beacon, Goatstown, Murphystown and the surrounding areas.

The South Dublin Credit Union office is located at 63-65 Lower Kilmacud Road, Stillorgan, Co. Dublin A94 AX71.

South Dublin Credit Union is open

Tuesday 9.30am - 4.00pm

Wednesday 9.30am - 4.00pm

Thursday 9.30am - 4.00pm

Friday 10.30am - 4.00pm

Saturday 10.00am - 12.30pm

Please note we are closed on Sunday & Monday each week.

You contact South Dublin Credit Union

. Online here

. By email on info@southdublincu.ie

. By phone on 01 288 4877

. By dropping in to our friendly staff at 63-65 Lower Kilmacud Road, Stillorgan A94 AX71.

South Dublin Credit Union offer a wide variety of services to its members from adult and children's savings accounts to loans, online banking, a Mobile App and insurance products. For full details of our services please click here.

A common bond is the connection we share together as members of a Credit Union. It’s the thing that links us, whether it’s where we live, work, or study or the industry we work in. The common bond defines who can join South Dublin Credit Union. If you live, work or study in Stillorgan, Donnybrook, Mount Merrion, Leopardstown, Sandyford, The Beacon, Goatstown, Murphystown and the surrounding areas, you’re very welcome to join us a member of South Dublin Credit Union.

To join South Dublin Credit Union as an adult member (aged 16 or over) you will need

. Photographic Proof of Identity

. Proof of your address  (dated in the last 3 months)

. Proof of your PPS number

For full details on membership of South Dublin Credit Union please click here.

Junior Membership is for a person under the age of 16.

Identification documents required for Junior Membership of South Dublin Credit Union:

• Birth Certificate or Passport for the child
• Proof of Guardianship (if relevant)
• Permanent address of the Child
• Parent/Guardians Proof of Address
• The PPS Number for the child

Identification documents required for the Parent/Guardian:

• Proof of Identity e.g. passport or driver’s license
• Proof of Address e.g recent bank/credit union statement, utility bill or correspondence from an official government department

For full details on Junior Membership of South Dublin Credit Union please click here.

At South Dublin Credit Union our Junior Membership is for any young person under 16 whether they are related to you or not. Opening a Junior Membership account for a young person is a great way to encourage them to save and teach them money management and budgeting skills so they can make smart choices with their money in the future.

For further details on Junior Membership of South Dublin Credit Union please click here.

You can join South Dublin Credit Union as an adult member (aged 16 or over) via our Mobile App. We’ve created an intelligent and secure method for you to become a member directly through your mobile phone if you are aged 16 or over. All you have to do is download our Mobile App to take full advantage of joining as you go.

For further details on our Mobile App please click here and for details on Membership please click here.

If you do not want to join us online via our Mobile App, you can also join us by visiting our branch in Stillorgan.

We can easily check the status of your South Dublin Credit Union account for you. The account will still be open on our system if you have maintained the Minimum Shares requirement (currently €10) but it will be flagged as Dormant if there has been no member initiated transaction on the account for a period of 3 years.

Contact us online, phone us on 01 288 4877 or drop in to our office in Stillorgan and we will be happy to check the status of your account and advise you how to reactivate it, close it or transfer it to another credit union.

For further details on dormant accounts please click here.

A Nomination is a unique facility offered by credit unions to their members. It is a legally binding, written instruction that tells the credit union what to do with a member’s money after their death.

You can nominate any person/s of your choice. In most instances, people choose to nominate their next of kin.

You may nominate a person(s) of choice to receive your property presently up to a maximum value of €27,000. Any amount in excess of €27,000 will form part of your estate.

To complete the nomination process as an adult member, you need to fill out a nomination form. This must be signed and witnessed by two South Dublin Credit Union Officers in our office in Stillorgan.

You should fill out a Nomination Form once you have become an adult member of South Dublin Credit Union.

Our friendly staff will be able to help you complete your form and answer any queries you may have on the nomination process.

You may change the details of your Nomination Form as often as you like. The most recent nomination is the valid nomination.

Our friendly staff will be able to help you change your form and answer any queries you may have on the nomination process.

It is very important that you review your nomination form regularly, to ensure that the person/s nominated is/are the most appropriate at the current time. Our friendly staff will be delighted to check if your nomination is up to date for you.

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 may form part of your estate and may then be liable to tax.

Where your personal circumstances change (e.g. marriage, divorce or separation) you should also review your nomination at that time. A nomination is automatically revoked by your subsequent marriage.

Click here for more details on Nomination of your South Dublin Credit Union account.

You can view a copy of our Nomination Form here and the details required to complete same. You can print and complete the top portion of the form in advance of bringing it to our office in Stillorgan where we will review your form and two South Dublin Credit Union officers will witness your signature.

When you join our credit union, and you are 16 years of age or over, you will be asked if you wish to make a nomination. If you join as a Junior Member a nomination form would not be completed. However, once a member reaches the age of 16, they can complete a nomination form.

Loans up to €150,000 are now possible from South Dublin Credit Union subject to our terms and conditions.

South Dublin Credit Union provide loans based on the borrowers ability to repay and not how much savings you have or how long you have been a member of South Dublin Credit Union.

You can apply to be a member of our credit union now and apply for a loan on the same day. All loan applications are dealt with in strict confidence.

Yes, you do have to be a member of South Dublin Credit Union to apply for a loan, however joining is easy. You can apply for membership and for a loan online via our Mobile App or in our office in Stillorgan.

If you live, work or study in Stillorgan, Donnybrook, Mount Merrion, Leopardstown, Sandyford, The Beacon, Goatstown, Murphystown and the surrounding areas (called our Common Bond) we would be delighted to welcome you as a new member of South Dublin Credit Union. As soon as you are a member you can apply for an excellent value low cost loan from South Dublin Credit Union.

If you are not yet a member of South Dublin Credit Union click here to join us.

South Dublin Credit Union have special rate loans available for the most popular loan types requested by our members. These include:

Green Car Loan

Green Home Improvement Loan

Car Loans

Home Improvement Loans

Personal Loans

Education Loans

Holiday Loans

Secured Shares Loans

Medical Loans

Switcher Loans

Financial Wellbeing Loans

We are however happy to consider loan applications for almost anything so don't hesitate to contact us to discuss your personal financial requirements.

Members may apply for loans through our Mobile App, by phone, by email or in person in our office in Stillorgan.

We are always available to assist you with your South Dublin Credit Union loan application, whether in branch, over the phone, or through our online loan platform.

South Dublin Credit Union offer quick loan approval times with the bulk of our standard loans approved within 24 hours of all required correct documentation being provided to us.

Several factors can impact the processing time of your loan application including the completeness and correctness of your application, the complexity of your application, and the number of applications being processed at that time.

For the quickest and most efficient loan application process, please apply online and upload all your required correct documentation. We will contact you for any additional information we may require and with a decision as quickly as possible.

If you are ready to apply for a loan from South Dublin Credit Union you can start the process by clicking here.

Our handy loan calculator puts you in control of your borrowing and helps you to plan your loan repayments.

Use our loan calculator to see your weekly, fortnightly or monthly loan repayments and the total cost of credit. That way you will know in advance of applying for a loan from South Dublin Credit Union that your repayments suit your budget.

For the quickest and most efficient loan application process, please have the following documents ready before starting your loan application. If you do not have these documents to hand you can still make your loan application but you will have to upload these documents at a later time before drawing down your loan.

. A passport or driving licence

. A current utility bill, bank or credit card statement (dated in the last 3 months)

. Your 3 most recent payslips or social welfare receipts

. Proof of any other household income

. Your bank statements for the past 3 months

Self employed applicants must prove that their tax affairs are in order and up to date by providing their most recent Notice of Revenue Assessment or a copy of their Form 11.

NOTE: Additional documentation may be requested depending on your personal circumstances.

In general no, you can apply for a Top-Up Loan to an existing loan once you can show a clear and up to date repayment history on the original loan over a period of time. Factors that we consider before granting your loan include the outstanding balance on your current loan and the loan term left, your affordability to repay if your loan repayment amount increases and the purpose of the new loan.

If you would like more information on our great value loans contact us online, phone us on 01 288 4877 or drop into our office in Stillorgan and talk to one of our friendly staff.

You can repay your loan early with no penalties. You can also increase your repayments and pay lump sums off the loan balance if you wish to pay your loan off early.

If you do not meet the agreed repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

South Dublin Credit Union are committed to supporting any of our members who find themselves in financial difficulty and unable to meet their loan repayments at any time.

If you’re already behind on one or more of your loan repayments or you think that you might struggle to make a loan repayment in the future please do not ignore the problem but contact us immediately.

For further details on our loan arrears support please click here.

Your savings with South Dublin Credit Union are called “Shares”. Each share you hold in South Dublin Credit Union is equal to €1. You will need to hold a minimum saving of ten shares when joining South Dublin Credit Union. Members enjoy equal rights to vote (one member, one vote) and participate in decisions affecting the credit union.

Your savings in South Dublin Credit Union are secure, with deposits guaranteed under the Government Deposit Guarantee Scheme (up to €100,000). 

For further information on this guarantee scheme please click here.

Members can save via direct debit or standing order from their bank, by bank transfer, by debit card 24/7 via our online banking facility or they may call into our office in Stillorgan during opening hours. 

Members can sustainably access a statement of their savings account free of charge 24/7 via the online banking facility on this website or at any time request a copy from us.

The maximum savings that can be held by an individual member in South Dublin Credit Union is €100,000. There is no maximum limit to the monthly amount you can save below this limit.

Children under the age of 16 can become Junior Members of South Dublin Credit Union and save with us.

Opening a children’s saving account is the most effective way to teach your children money management and budgeting skills so they can make smart choices with their money in the future.

Anyone can lodge money into a child’s South Dublin Credit Union account eg godparents, grandparents, other relations or friends to help them increase their savings.

For further details on saving for Junior Members please click here.

The benefits of saving with South Dublin Credit Union include:

. 24/7 access to your money via the online banking facility

. Easy access to your money once it is not used as security against a loan

. No hidden charges or fees on any transactions

. Life savings insurance for eligible members (Terms & Conditions apply)

. Nomination of account proceeds

South Dublin Credit Union will be offering Mortgages to members before the end of 2026.

We will be offering both variable and fixed rate mortgage loans with interest rates from only 3.4%.

If you would like any further information about our upcoming Mortgages please contact us online or email us at info@southdublincu.ie

South Dublin Credit Union will be offering fixed rate Mortgages before the end of 2026.

If you would like any further information about our upcoming Mortgages please contact us online or email us at info@southdublincu.ie

South Dublin Credit Union will be offering variable rate Mortgages before the end of 2026.

If you would like any further information about our upcoming Mortgages please contact us online or email us at info@southdublincu.ie

South Dublin Credit Union will never ask you for your personal account login details or online PIN over the phone or by text.

Your financial security is our utmost priority. If you ever receive a phone call or text asking you to confirm your personal account login details or your online PIN through a link or text, please DO NOT engage with the caller or sender even if they say they are calling from South Dublin Credit Union. Call us immediately on 01 288 4877 and a member of our friendly team will be happy to help you.

With online banking you can check your account balances, transfer funds, pay bills and apply for a loan 24/7 all from the comfort of your own home.

Please note in order to avail of our online banking service you need to have a PIN to log in. If you are not already registered please register for our online banking service now.

If you are already registered for our online banking service you can simply click here to login.

If you have lost your South Dublin Credit Union online PIN simply click here  and we will securely send you a PIN to allow you access your credit union account again.

When you log in, you will be asked for your Member Number, Date of Birth and the same PIN that you use for Accessing the Online Member Area.

Yes it is safe to log in to your credit union account online. We ensure that all your personal data is encrypted on secure servers. For additional security make sure that you are accessing your account information privately without people being able to see your screen.

If you are having problems logging in to your South Dublin Credit Union online account please call our friendly staff on 01 288 4877 who will be delighted to help you.

Please contact our friendly staff on
01 288 4877 if you can't remember your Member Number and they will be delighted to help you.

Please note we will not email your Member Number to you to prevent possible financial fraud.

To download the South Dublin Credit Union Mobile App today please go directly to the App Store or Google Play Store or click on one of the links below.

Apple Mobile App

Android Mobile App

Our Mobile App is available exclusively to South Dublin Credit Union adult members who have Online access to their accounts. To get started, Register for Online Access.

You can apply for a Loan anytime on our Mobile App.

You can make your credit union payment with your Debit Card in our office in Stillorgan.

You can also make a payment by phoning us on 01 288 4877 during opening hours, so you don’t even have to leave the comfort of your own home.

Or once you have registered for online access to your account by completing our online registration form you can also make a payment online 24/7.

South Dublin Credit Union offers all eligible members free insurance services. These insurance services are paid for directly by the credit union. There is no extra charge to South Dublin Credit Union members for this great benefit.

We offer Life Savings and Loan Protection Insurance.

Depending on your age and how much you have saved with your credit union over the years, Life Savings insurance could provide your dependants with up to €5,000 on your death.

Loan Protection Insurance is the insurance cover the Credit Union provides on the lives of its borrowing members. Should an insured borrower die, the insurance cover provides that the loan is repaid in full subject to terms & conditions.

For details on our free insurance services please click here.