The GDPR is a piece of EU legislation, which will overhaul our current data protection legislation. It aims to strengthen and unify data protection for all EU individuals. 
It brings with it further obligations for organisations (like your credit union) who process your personal data in order that your personal data is fully respected. Processing is basically doing anything with, even storing, your personal data. A GDPR leaflet is available here


For data protection purposes and to prevent unauthorised access to your account details through fraud, lost books, etc. South Dublin Credit Union has introduced a new receipts policy.
Our standard receipts will no longer show the outstanding balance of your savings or loans. From 25th May, receipts will show your name, account number and the details of the transaction.
How to view your account balances?
  • If you are transacting on your own account you can ask the teller for a balance receipt.
  • Complete an Account Access Form to give permission for designated person(s) to have full access to your account.
  • Register your Credit Union account online at 
  • Request a statement of your account, free of charge.
We appreciate the patience and co-operation of our members in this matter.
Manager, South Dublin Credit Union.
Credit Unions Voted The Most Reputable Organisation in Ireland 

We are delighted that Credit Unions have been voted as the most reputable organisation in Ireland in the 2018 RepTrak® study.  
In total, over 7,000 members of the public were surveyed for the annual study which examines the emotional connection between people and the different companies and organisations they interact with. There were 17 different categories of organisations, with credit unions claiming the top spot overall. RepTrak stated that credit unions won for their ‘role in providing trusted financial services to local communities and being at the heart of communities in Ireland’.
Companies were ranked on a Reputation Pulse score from 0-100, based on levels of trust, respect, esteem and admiration. With a RepTrak® score of 82, credit unions were  one of four organisations to fall within the ‘Excellent (80+)’ category. The average RepTrak® score was 66.0, with the an average score of 57.5 amongst financial services organisations.

Are you or your child heading off to college this Autumn? Don't stress over college fees... talk to us about our low rate Education Loans.

Sample Education Loan: €3,000 over 3 years at 6.5% APR costs €21.12p/w. Total amount repayable: €3,302.07. 

Our Annual Rolling Educaction Loan allows you to fund each year of your Third Level study with annual top ups to cover course fees, books & other essentials (laptops, course materials etc). This is at our standard low education loan rate of just 6.5% APR. 

See our Education Loans brochure for more details and sample loans. 
Contact us on 01 2884877 / for more information or to apply. 

Terms & conditions apply. South Dublin Credit Union is regulated by The Central Bank of Ireland. 
**APRIL 2018 - €10,000 CASH DRAW WINNER**


Rosie is pictured above (left) collecting her winning cheque from SDCU Manager, Anne Quinn. 

If you would like to enter our next €10,000 Members' Cash Draw download your entry form here 

Cost of entry for the remaining 4 draws of the year is just €36. Closing date for entries for the next draw is Friday 22nd June. The winner will be announced here and on our FB page once we have made contact with them. 

Good Luck!! 

The next draw will take place in our Stillorgan foyer on Thursday 28th June.  Closing date for entries is Friday 22nd June. Winners are selected using a random number generating machine operated by a member selected at random on the day, and witnessed by a director. Please note, management, staff and directors are not (and never have been) permitted to enter our Cash Draw.  

We aim to be a one stop shop for all of our members day to day loan requirements... check out our fantastic low loan rates.  NO administration fees or transaction costs, LOW interest rettes, NO penalties for early repayment, FREE Loan Insurance  (T&Cs apply). 

Apply online in the members area, drop in or give us a call on 01 2884877. Friendly proffesional staff and excellent customer service assured!

In light of the recent Central Bank publication on Car Draws, we would like to clarify that we do not allow Directors, Supervisors or Employees enter our Members' €10,000 Cash Draw. This has always been one of the rules of our draw since it's inception. This is clearly outlined in #12 of our competition rules on the Cash Draw Entry Form: 
"12. Directors, supervisors or employees of South Dublin Credit Union Limited will not be eligible to participate in the Cash Draw."

Each draw takes place in public in our Stillorgan foyer with one director and at least one member present. We use a random number generator to select the winner and this is operated by the member.

The winners' names are published on both our Facebook Page and on this website newsfeed and are available upon request at the counter. 

Surplus funds generated by the cash draw are distributed to draw members via additional draws which are held on occasion and announced on this website and our FB page in advance of the draw. 

Please see below a list of winners for the past 2 years. 

February              Tony O’Brien  (Winner Drawn on  6th March 2018 - delayed due to snow)

February              Cliona Colgan
April                       Shirley Barnwell
June                      Dorothea Peare
August                  Eleanor Savage
October               Oonagh Meagher
December           Kate Lawless
February                Finbar Lehane
April                       Sandra McGarry
June                      Margaret Kelly
                                  Supplementary Draw:  Noeleen O’Leary (Surplus funds)
August                  Shelagh O’Donnell
                                  Supplementary Draw: Fiona Doyle (Surplus funds)
October               Alison O’Sullivan
December           Barbara Downey
                                Supplementary Draw #1 Aisling Towey (Surplus Funds)
                                Supplementary Draw #2 Angela Long (Surplus Funds)


Member Notice - The first cash draw of 2018 has been postponed by a few days... the draw will now take place on Wednesday 28th February. 

The winner will be contacted directly and announced on this website and on our Facebook page!

Good luck to all entrants!


Your health is your wealth as the saying goes… but looking after your health and wellbeing can also be a costly business. So we've introduced a new MEDICAL LOAN at just 6.5% APR. 

So if you need a medical procedure (elective or non-elective), or are considering dental procedures or laser eye surgery, apply today for your low rate loan.

We are delighted to announce that we have a new WEDDING & SPECIAL OCCASION Loan Rate - only 7.95% APR. So if you're planning your big day or popping the question - pop into us and we can help make your dream wedding a reality! 

This new rate applies to loans for all special occasions - communions, confirmations, engagements, anniversaries...

MEMBERS €10,000 CASH DRAW 2018
Have you joined our Members' €10,000 Cash Draw yet? Our Members' limited draw will take place bi-monthly and members have 6 chances to win each year. Cost of entry is just €52.

The first draw of 2018 till take place on Thursday 22nd February. Closing date for entries is Friday 16th February. All entrants for 2017 will be automatically re-entered into the 2018 draw.*


Entry to the draw is automatically renewed each year unless the member opts out in writing at least 21 days prior to first of each yearly cash draw. Cost of entry will be taken from the member's share balance. The member must maintain a minimum of €5 in shares after payment has been deducted. 

The Irish Times / South Dublin Credit Union Feature  
"South Dublin Credit Union Eyes Up Further Expansion"

The Irish Times featured the following article on South Dublin Credit Union, 31 January 2018, (click link to view): 

Great news for all members with loans during our last financial year - a Loan Interest Rebate of 5% was approved at our recent AGM and this has now been refunded into your share account. ;)

A huge congratulations to Niamh Ní Iceadha who has been selected as winner in the 18 & Over General Category of this year's ILCU Art Competition.

Niamh's entry will be sent forward to National Level, so fingers crossed the judges will be as impressed as we were by her fantastic piece.

18 & Over (General Category) Winning Entry

Niamh Ní Iceadha pictured with her winning artwork. 

South Dublin Credit Union's AGM will take place on Wednesday 17th January at 8.00pm in Glenalbyn Sports Club. All members are invited to attend. Refreshments and plenty of spot prizes on the night!

Unfortunately, we are currently experiencing issues with our Automated Telephone Payment system. We can take these payments manually during office hours. We are hopeful that the system will be up and running again asap. Apologies for any inconvenience caused.
Email Phishing Scam
We have been informed that there's currently an email phishing scam targeting credit union members throughout the country.
Members who have been targeted will receive an email from the email address or one similar to this. The email will inform the member of a file named "Payment Confirmation" that's been transferred to them through a site called WeTransfer, by what appears to be your Credit Union, and will be encouraged to click to download the files. 
This scam is designed to collect your personal details with a view to gaining access to personal financial accounts.

You can read more about phishing scams by following this secure link.

If you receive such an e-mail please delete immediately.  Do not open any attachments or clicking links in mails from unknown sources.

A good education is invaluable, but we all know that it can be expensive. Our Education Loans are exceptional value at only 6.5% APR.

We offer this reduced education loan rate for all forms of education costs, from school books, fees and uniforms to third level fees and expenses to part time adult education courses. 

We also provide ANNUAL ROLLING EDUCATION LOANS – allowing you to top up your loan EVERY YEAR for the duration of your college/university course (maximum 4 years).

If you'd like further information, please take a look at our Information Sheet or contact us on 01 2884877 or at for more information. 

Have you downloaded our new app yet?  Available free from Android and iPhone stores the app gives you access to your account at the tip of your fingertips.
Just search 'South Dublin Credit Union Ltd' in the app store and use your online login details to access your account.

The Single Euro Payments Area, (SEPA), is a European Union initiative that changes the way electronic payments in Euro are processed across the SEPA Zone countries. It simplifies the way we make and receive payments.
Making payments in Euro to any SEPA Zone country is the same as making the payment in Ireland. South Dublin Credit Union has converted all Direct Debits and Standing Orders to SEPA format, so no action is needed on your part.
Since 1st February 2014 the existing Irish electronic payment system closed down and all electronic payments are now made across the European Union through the new SEPA schemes. 
You now need the BIC (Bank Identifier Code) and IBAN (International Bank Account Number) when you are setting up or making electronic payments.  These numbers can be found on your existing bank statements.
You can also log onto to access a free service to convert a single Sort Code and Bank Account number to BIC and IBAN.
Flexible Quarterly Deposit Account Rates:

Current rate up to 30th June 2018 is 0.20%

Current rate up to 30th June 2018 is 0.15%

Repayment Term Now Up To 7 Years

We are delighted to announce that we can now offer an extended repayment term on loans over €25,000.  (To date, there was a maximum repayment term of 5 years on all loans.)

Best of all - our great rates apply to these loans.  In other words, Home Improvement Loans for €25,000+ remain at the amazing 7.95% APR rate and Car Loans at 6.5% APR.

As always, there are no penalties for early repayment and we never charge administration fees or impose any balloon payments or hidden costs. 

Contact us today for more details.

Repayment Example on a €25,000 Loan over 5 years (60 months) at 7.95% APR:
Monthly repayment:             €503.03
Total Cost of Credit:             €5,181.55
Total Amount Repayable:     €30,181.55

Repayment Example on a €25,000 Loan over 6 years (72 months) at 7.95% APR:
Monthly repayment:             €434.37
Total Cost of Credit:             €6,274.45
Total Amount Repayable:     €31,274.45

Repayment Example on a €25,000 Loan over 7 years (84 months) at 7.95% APR:
Monthly repayment:             €385.62
Total Cost of Credit:             €7,391.12
Total Amount Repayable:     €32,391.12

Terms & Conditions apply.  
*Annual Top Ups Available*

Congratulations to all of our members who are off to college this Autumn.  We realise that third level education is expensive and may cause financial strain and so we are happy to help our members with an affordable Low Cost Education Loan to finance  their college fees and associated costs. APR only 6.5%*.

We also offer members the option of Annual Rolling Education Loan whereby, they can top up their loan at the beginning of each year of their chosen course*.  

For example, €3,000 per year over a 4 year course can cost as little as €146 per month*.  

As with all our loans, there are no hidden fees or administration costs - and no penalities for early repayment.  Call us or e-mail us today for more details. 

*The loan is topped up at the start of each college year and has to be repaid within 5 years of graduation.  APR 6.5%.  Loan may be granted to student (with guarantor) or parent/guardian. Terms and Conditions apply.
- Borrow €3,000 per year, from only €146 per month* - 

Are you or your child starting college this autumn?  Prepare for a great future with a Rolling Annual Education Loan from Stillorgan Credit Union.
  • Low interest rate of just 6.5% APR
  • Annual Top Ups available for duration of course
  • Flexible repayment terms to suit YOU
  • Education loans insured at no direct cost to yourself (certain terms and conditions apply)
  • No hidden administration fees or transaction costs
  • No penalties for early repayment

We always encourage feedback and suggestions from our members.  So if you would like to give us some feedback or have any comments or suggestions, please send them to 

We are delighted to announce that our amazing value car loan is back.  Our car loan rate is now only 6.5% APR, so if it's time to upgrade apply online today!
Repayments on a €5,000 over 5 years are less than €22.50 per week.  

No administration costs or hidden fees.  Unlike garage finance schemes, this is not a hire purchase deal - you own the car from the outset - and there no nasty balloon payments at the end of the term!

Check out our online calculator today to see how little your new car could cost you!  


Terms and conditions apply.  Minimum car loan is €5,000.
Whether you're looking for a new kitchen, thinking of extending, or would simply like to redecorate... we have some fantastic news for you!  

We have now reduced our Home Improvements Loan rate to just 7.95% APR*... it really is the best deal in town!   Check out our online calculator here for more details, then get planning that new kitchen/bathroom/extension you've been dreaming about!!  

* Sample: Repayments on €5,000 over 5 years will cost just €23.15 per week.  Total amount repayable €6,035.65.  Terms and Conditions apply.