Save at your own pace

A full current account with an IBAN, debit card, Apple Pay and Google Pay, and a €4 flat monthly fee that covers all your everyday transactions. Switch from your bank in about seven working days.

Pick the account that fits

You can hold more than one — many members run a regular saver alongside a term deposit.

Regular Saver

Cool Number

0 %

Save a set amount every week or month by standing order. Access your money whenever you need it.

Best rate

12-Month Term Deposit

AER

0 %

Lock a lump sum away for twelve months at a fixed rate, with interest paid at maturity.

Junior Saver

AER

0 %

For under-16s, opened by a parent or guardian. Pocket money in, savings habit out.

loan calculator

Compare

Interest rates side by side

AER means annual equivalent rate. DIRT is deducted at the prevailing rate where it applies.

Account	AER	Minimum	Maximum balance	Access	Interest paid
Regular Saver	2.00%	€5 / week	€40,000	Instant	Annually
Term Deposit · 12 months	2.75%	€1,000	€100,000	At maturity	At maturity
Term Deposit · 24 months	2.60%	€1,000	€100,000	At maturity	Annually
Junior Saver	1.50%	€5	€20,000	Instant	Annually
Membership Share Account	Dividend	€5	€40,000	Instant	Set at AGM

Rates shown are illustrative and correct at the date of publication. Terms and conditions apply. Savings are covered by the Deposit Guarantee Scheme up to €100,000 per member.

Member owned

Why save with a credit union

Your savings stay in the community. They fund loans for other members here in Kildare and Wicklow, and the surplus comes back as dividends and community grants.

Protected to €100,000

Covered by the state Deposit Guarantee Scheme, the same protection as the main banks.

No account fees

No maintenance charges, no minimum balance penalties, no charge to withdraw.

One member, one vote

Savers are owners. You have a say at the AGM regardless of how much you hold.

Local, not remote

Eight branches, plus online banking and the CLCU app for everything in between.

Why borrow with your credit union

We are a not-for-profit owned by the people who bank with us. Any surplus goes back to members as better rates and local community funding – not to shareholders.

One clear rate: The rate you are quoted is the rate you pay. No arrangement fees, no admin charges.

Free loan cover: Eligible loans include life cover at no extra cost, subject to terms.

Pay off early: Overpay or clear the balance whenever you like – you only pay interest for the time you borrow.

A person, locally: Eight branches and a loans team you can call. Decisions made here, not by an algorithm elsewhere.

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.