Why Save With Us?

In a nutshell...

  1. Your money is safe and secure.
  2. You get a say in how the Credit Union is run.
  3. When there’s a surplus, you get a dividend on every euro you save in your share account.
  4. You get access to great services .
  5. You receive many things for free that other credit institutions charge you for.

Savings

Once you’re within our Common Bond, you can apply for membership of St. Joseph’s Credit Union.

When you do become a member, you open what’s called a ‘Special Share Account’. The savings/ shares are the lifeblood of our Credit Union because they determine our strength as an organisation. There’s strength in numbers and when you open a savings account with St. Joseph’s, you’ll be joining over 15,000 other members just like you.

There are three ways you can save with St. Joseph's Credit Union.

  1. Special Share Account
  2. Deposit Account
  3. Savings Account

Note: You must have a Share Account to avail of the deposit or savings accounts.

The Main Benefits Of Saving With Us Are:

  1. You can relax knowing that your money is secure
  2. We have over 15,000 members and are in existence for almost 50 years. Our track record is proven and we have a very strong base. In addition, Credit Unions in the Republic of Ireland are covered by the Deposit Guarantee Scheme which is administered by the Central Bank of Ireland. This means that deposits are protected in the event of a credit union running into difficulty.
  3. You have a say in how the Credit Union is run. When you save with us, you become a share owner and this entitles you to attend and vote at general meetings of the Credit Union.
  4. There are no hidden fees or transaction charges on savings accounts
  5. You get a return on your savings.
  6. If the credit union declares a dividend at the end of the financial year, each share you hold for that year is eligible for a dividend. The amount received depends on the number of shares you hold and also if there is any surplus income for distribution. Our dividend is decided by the members at the AGM, which is usually in Nov/Dec.
  7. You get access to a broad range of useful financial services
  8. You can access your account online as well as in our Credit Union.
  9. You benefit from Life Savings Insurance protection at no direct cost to you.

On top of all these great benefits, you have the added bonus of knowing that your savings are being used to make loans to other members. That strength allows us to also help you.

So, whatever you’re saving for – a car, your home, a special day, holidays, school or college fees, or just for the future, saving with St. Joseph’s Irish Airports & Aviation Credit Union will give you peace of mind and lots more.

Important Things To Know:

  1. Members enjoy equal rights to vote (one member, one vote) and participate in decisions affecting the credit union.
  2. Savings are insured at no direct cost to the eligible member.
  3. The more shares you have, the greater the dividend you will receive.

 

Additional information