Day-to-day banking
Everything in one account
Debit Mastercard
Spend and withdraw anywhere Mastercard is accepted, at home and abroad.
CLCU Mobile App
Balances, transfers, loan applications and card freeze, on iOS and Android.
Contactless & wallets
Tap to pay up to €50, or add your card to Apple Pay and Google Pay.
No transaction fees
Direct debits, standing orders and SEPA transfers are all covered by the monthly fee.
Spending insights
See where your money goes each month, grouped automatically by category.
Overdraft on request
An approved overdraft up to €1,500 for the months that do not quite balance.
What the account costs
Item | Detail | Charge |
|---|---|---|
Account maintenance | Covers all day-to-day transactions | €4.00 / month |
Debit card | Issue and replacement | Free |
SEPA transfers & direct debits | Euro payments within the SEPA zone | Free |
ATM withdrawal | Within the eurozone | Free |
Overdraft set-up | Annual review, 12.5% variable interest | €25.00 |
Unpaid item | Where there are insufficient funds | €5.00 |
Non-euro card transaction | Foreign exchange margin | 1.75% |
Government stamp duty of €0.12 applies to each debit card ATM withdrawal, capped annually. Full details are in our Fees & Charges schedule.
€4 Per Month
That is it. No per-transaction charges, no
quarterly maintenance fee and no minimum lodgement to keep the fee down.
- Photo ID and proof of address
- Your PPS number
- To be 18 or over and a CLCU member
Our Social Impact
We’re proud to be more than just a credit union—we’re a community hub.
Open your account: Apply online in about ten minutes, or in any branch with your ID.
Sign the switch form: One form authorises us to request your payment details from your old bank.
We move your payments: Salary, direct debits and standing orders are redirected to your new IBAN.
Close the old account: Once everything has landed, we confirm the closure and you are done.
Trusted by over 45,000 members in Kildare & Offaly
It takes seconds to check if you can join
To join, you must live or work within our common bond
where we serve
Everyone at Croí Laighean Credit Union is united by a Common Bond. If you live or work in any of the towns and communities below, you’re eligible to join — it’s common sense to keep it local.
Not sure if you’re eligible to join? If you don’t see your town listed, use the eligibility checker below
Towns & Communities We Serve
- Allen
- Allenwood
- Ballinabrackey
- Ballyfore
- Broadford
- Caragh
- Carbury
- Castlejordan
- Celbridge
- Clane
- Clogharinka / Clogherinkoe
- Clonbullogue
- Coill Dubh
- Confey
- Croghan
- Daingean
- Derrinturn
- Donadea
- Donore
- Drehid
- Dunbyrne
- Edenderry
- Johnstown Bridge
- Kilcock
- Killina
- Kilmeague
- Kilshanroe
- Leixlip
- Longwood
- Lullymore
- Milltown
- Mount Lucas
- Moyvalley
- Prosperous
- Rathcoffey
- Rhode
- Robertstown
- Sallins
- Staplestown
- Straffan
- Ticknevin
- Timahoe
Not sure if your address qualifies? Use the eligibility checker above — if you don’t see your town listed, get in touch and we’ll confirm.
Everything you'd expect from a bank. And then some.
