FAQs

Who can join the Credit Union?

Anyone living, working, or studying within our common bond area can join. Join here

What do I need to open an account?

Joining is Easy! You need to present 2 forms of identification to join, membership fee is €1.27 and a minimum of €6.35 is needed to open an account and keep it activated.

www.manorhamiltoncu.ie/join

Two forms of identification

  • Evidence of Identification (must show proof of date of birth & recent photo), i.e. Current valid Passport, current valid Driving Licence, current valid I.D. Card

  • Evidence of Address (must show address where you currently live), i.e. Original of recent Household Bill (e.g. ESB, Phone) or Bank or Building Society Statement. (Proof of address has to be issued within the last three months).

Under 16

  • Birth Certificate or Passport of Under 16
  • Proof of address and Photo ID of the Parent/Guardian
How can I apply for a loan?

You can apply In Person, just drop in to say hello, or you can apply online anytime. It’s quick, easy, and decisions are made locally. www.ManorhamiltonCU.ie/loans

Your loan application is subject to your credit and affordability checks.

Can I open an account and apply for a loan on the same day?

Simple answer, yes! It all comes down to your ability to repay. www.manorhamiltoncu.ie/join for more.

Do I need a certain amount in my Shares before applying for a Loan?

No! It doesn't matter what is in your account. It all comes down to your ability to repay.

Your loan application is subject to your credit and affordability checks.

How can I access the App?

If you have your login details and pin just download the app from. www.manorhamiltoncu.ie/services/new-mobile-app

If you need help with your login details please call us on 071 9855500 and we can help.

What would my repayments be?

Try our online loan calculator which will give you an idea of what your repayments might be.

How much can I borrow?

We look at each application individually, based on your ability to repay. Loans can range from small personal amounts to larger home or car loans. You can apply for up to €40,000 net of shares. www.ManorhamiltonCU.ie/loans 

Is my Loan insured?

Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this.

How does the Credit Union support the local community?

We’re proud to support local clubs, schools, and community projects every year. We keep money and support local. We're at the heart of the Community.

What is a Credit Union?

A financial cooperative, owned, and controlled by its members for its members.

Manorhamilton & District Credit Union is a local, not for profit financial institution. We specialise in providing a safe place for savings and loans in our community. Established in 1996, Manorhamilton & District Credit Union is proud of its heritage and continues to be governed by our members and voluntary Board of Directors.

A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. We offer members the chance to have control over their own finances by making their own savings work for them. Manorhamilton & District Credit Union is owned by the members - the people who save and borrow with it -  people like you.

What are shares?

Every €1 saved is equivalent of one share in a credit union. A minimum saving of €10 is needed to keep the account open. You should save regularly to build up a savings history. Each share is eligible for a dividend at the end of the year. The more savings held by the Credit Union, the more funds are available for loans to members.

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