Latest News

Dear Members, the South Dublin Credit Union App is currently not available as it is under construction. Please note that our website is fully mobile optimised and can be used on any device. Apologies for any inconvenience caused. Thank you



    Dear Members, the South Dublin Credit Union App is currently not available as it is under construction. Please note that our website is fully mobile optimised and can be used on any device. Apologies for any inconvenience caused. Thank you
Dear Members, we are updating our website during this week. This changeover will take place over the next 2 days (Tuesday 24th and Wednesday 25th September) and will cause some disruption to the website access. Please phone the office on 01-2884877 for any queries. Apologies for any inconvenience caused.
Member Notice:
On 14th September 2019, Strong Customer Authentication (part of PSD2) comes into force which will result in increased security for online banking.

Action Required by you:
To continue to access your account using our online channels please ensure that we have your up to date mobile phone number.
You can check this by reviewing your Contact Details under the Manage Account menu when you LOGIN to your account online.
If it needs updating give us a call on 01-2884877 or email

Thank you!
Congratulations to 

David Nolan

who is the winner of the August €10,000 
Members' Cash Draw!!

If you would like to be in with a chance to win €10,000 download your entry form here

The next draw will take place on Thursday 31th October and cost of entry for the remaining 2 draws in 2019 is just €20. Closing date for entries is Friday 25th Ocyober 2019. 


Enquiry applications are now closed for ProEnergy Homes loans with South Dublin Credit Union but we still have an excellent home improvements loan rate at 7.95% APR. Apply today online, in one of our offices or over the phone on 01-2884877.

Congratulations to 

Graham Austin

who is the winner of this month's €10,000 

Members' Cash Draw!!

If you would like to be in with a chance to win €10,000 download your entry form here

The next draw will take place on Thursday 29th August and cost of entry for the remaining 3 draws in 2019 is just €28. Closing date for entries is Friday 23rd August 2019. 


A huge congratulations to

Rita Acton

who is the latest winner of our Members' €10,000 Cash Draw!!

Our next bi-monthly draw will take place on Thursday 27th June. Closing date for entries is Friday 21st June and cost if entry for the remaining 4 draws of 2019 us €36.

If you would like to enter our members only cash draw and be in with a chance of winning download your entry form here and return to us via email to or drop the form into either branch.  
Good Luck!!

We are delighted to announce that there will be a 5% Loan Interest Rebate on loan interest paid during financial year 2018, and 0.2% Share Dividend. Another fantastic reason to chose us as your next loan provider! ;)
Have you joined our Members' €10,000 Cash Draw yet?

Every two months, members of the draw have the chance to win €10,000 CASH!  Draw membership costs just €52 per year and the draw is limited to members only. 

The next draw takes place on Thursday 28th February 2019. Closing date for entries is Friday 22nd February. 

If you would like to be in with a chance of winning, download your entry form here!
Good luck! 

All members of South Dublin Credit Union aged over 18 years can join in the draw.
Credit union staff, management, directors and volunteers are not eligible to participate. Full competition rules are on the back page of the entry form. 


Congratulations to Mr Patrick Hanlon who is the lucky winner of this month's €10,000 Cash Draw!!!

€10,000 CASH DRAW

We are delighted to announce that the winner of this month's cash draw is PAUL HAYES (Stillorgan).... Congratulations Paul!  

We have one remaining cash draw left this year. If you'd like to join, download your entry form here.


We are delighted to advise members that they may now make lodgements and payments to their loan or share accounts by debit card via our website.

To do so, log in with your personal details and you will find a new 'Make Payment' button below your account details. Simply select the account you would like to pay into from the drop down selection (eg: loan or shares) and enter the amount you wish to lodge. You will be taken to a secure screen where you enter your card details.

If you have not yet signed up for online access, you can register online too. You just need your account number, and you will be prompted to chose your own 4 digit PIN number and a password. 
10th July 2018
Members Notice
The Board of Directors have decided the maximum savings that can be held by an individual member in South Dublin Credit Union is €25,000.
Existing Savings
If your existing savings exceed this limit currently, you may continue to hold your savings balance in the credit union. You may not, however, increase your savings. If you withdraw savings and your balance is still in excess of €25,000, this balance is then your new maximum allowable.
If you withdraw savings which bring your balance to below €25,000 you may then increase them, if you so wish to the maximum of €25,000.
Many other credit unions have made a similar decision.
The Directors regret any inconvenience to members.
This new savings limit will be kept under constant review.
The Board of Directors
Introducing our new Rolling Education Annual Loan!  This fantastic new loan allows students embarking on their Third Level Studies to fund the duration of their ENTIRE university study. That's right - annual top ups available to fund course fees and related college costs!

*Terms & Conditions apply. For more information or to apply, please contact us on
tel: 01 2884877 / email:
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)
April                      Rosie Sheerin
June                     Ann Rose Ryan

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)


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...

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. 

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.

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.

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.