When you join St. Francis Credit Union you become a Member and not a customer. This is an extremely important difference as it means you are a part owner of the Credit Union with equal rights to vote and participate in decisions affecting the Credit Union.

Membership brings with it rights as well as responsibilities. The money you save is held as shares and it is this pooling of shares that creates the loan fund from which you and other Members can borrow. When borrowing, it is important that you borrow wisely ensuring that you protect your shares and the shares of your friends, family and neighbours.

Why become a member of St. Francis Credit Union?

Free Banking

No nasty fees or charges

Modern Services

Tech savvy services like online banking, electronic transfers and smartphone apps

Non-profit Organisation

We’re like a bank that you own! We are a not-for-profit organisation owned by you our members.

Member Owned

Owned By Our Members

Fast & Efficient

Fast, efficient service with a smile – we are real people not machines.

Great Loan Rates

Low loan interest with flexible payment options

Eligibility for Membership

Joining St. Francis Credit Union is easy once you are in the common bond and have the relevant documentation.

persons who


share the common bond by living or working within our Common Bond.


members of the same household and family of another credit union member who works in these localities
incorporated or unincorporated bodies, a majority of whose members are persons who share the common bond;whose applications have been approved for membership by the Credit Union in accordance with this policy and


have paid the entrance fee of €1.27c for over 16 years old. Under 16 no charge.


members must have a minimum share balance of €10 at all times

Our Commond Bond

Common Bond townland areas are highlighted below