About

Waterford Credit Union is one of the largest credit unions in Ireland, with over 35,000 members.

Find Out More

About Waterford Credit Union

Waterford Credit Union Ltd. was established in 1963. Today, we serve almost 35,000 members and employ over 60 staff (full time and part time). We are one of the largest credit unions in Ireland and offer a large suite of financial products and services to our members. In 2019, we merged with Tramore Credit Union and subsequently extended our common bond and welcomed many new members. We operate from three conveniently located offices across Waterford City and County:

  • Parnell Street
  • Upper Grange
  • Summerhill, Tramore

Our Vision

To meet the evolving needs and expectations of our members, in a prudent and financially stable manner, whilst fully embedding the credit union within the communities we serve.

What Exactly is a Credit Union?

A credit union is a group of people called members, who are connected by a ‘common bond’ based on the area they live, work or study in. Members save together and lend to each other at a fair and reasonable rate of interest. Credit unions offer members the chance to have control over their own finances by making their own savings work for them. Every credit union is owned by its members — the people who save with it and borrow from it.

Credit unions exist only to serve members — not to profit from their needs. Surplus income generated is returned to the members by way of a dividend and/or is directed to improve and introduce new services for members. Members’ savings are used to fund loans to other credit-worthy members of the credit union. So, the money in a credit union always remains in the local community or ‘common bond’ that the credit union

Here to help

Waterford Credit Union is a community based co-operative. We are part of the community and the community is part of us. Our members live and work in our local communities in Waterford, Tramore and surrounding areas. It is important to us that we take an active interest in the economic and social fabric of people’s lives within our common bond. As well as meeting our members financial needs, we are also involved in and support many community groups and events.

We give generously to many local charities and worthwhile causes, such as those below.

If you would like to apply for sponsorship for your chosen chartiy/group, please email comms@waterfordcu.ie

  • Solas Centre
  • Waterford Hospice
  • Daffodil Day – Irish Cancer Society
  • Waterford Estuary Men’s Shed
  • Waterford Area Stroke Group
  • Spraoi
  • UHW Breast Cancer Centre
  • Down Syndrome Ireland
  • Waterford City River Rescue
  • Samaritans
  • Daytripper
  • Jack & Jill Foundation
  • Temple Street Children’s Hospital

Yours in community