Services

Why join, how to join and what you need.

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Member Services

We don’t just provide loans; we provide a wide range of member services:

 

CU Online is the name of our online banking service. It allows you to check your account balances and recent transactions, view statements, transfer money, pay bills, calculate loan repayments, and apply for a loan. You can register for CU Online on our website and access it 24 hours a day, free of charge. It’s quick, it’s easy, and it puts you in control.

CU Anywhere is the name of our mobile app. It’s FREE of charge and allows you to access your credit union account on your smart phone or tablet device. Similar to CU Online, it allows you to check account balances and recent transactions, transfer money, pay bills etc. To download the mobile app, go to the App Store or Google Play.

How would you like to win a new car? For only €38.09 per year (less than €1 per week), it could be you. All you have to do is download an application form (or call into one of our branches to collect a form), fill it out and drop it into any of our offices. The members-only draw is not for profit, which means that all surplus funds are used for extra cash prizes. The more members who participate in the draw, the more prizes are available. So don’t delay, join today.

We offer a full bill payment service to all our members. Just bring in the receiver details for who you wish to pay. We can then set up a frequency (weekly, fortnightly or monthly) on your account for a set date with a set amount to pay. We can also make one-off payments in the branch at your request. We currently collect over the counter payments for Bord Gais, Electric Ireland, Eircom and Virgin Media (formerly UPC) and many more. Just ask any of our staff in branch for more details.

For your added convenience, Waterford Credit Union can accept debit card payments from our members. You can use debit cards in our office or over the phone to lodge savings and/or repay loans.

Did you know that you can get your salary and/or social welfare paid directly into your credit union account? It means you don’t have to lodge them into your bank account first and then transfer them into your credit union account. You can use your credit union account as your primary account.

We allow members to transfer money electronically from their bank account to their credit union, and vice versa. All we need is your bank IBAN and BIC, as well as your member IBAN and BIC. Feel free to contact us if you’ve any questions.

We offer competitive rates on foreign exchange services to all our members. Popular currencies like sterling and US dollars are kept in stock. Other currencies are available to order. Please contact us in advance of your travel to ensure we have sufficient stock. We will also buy back any foreign bank notes you purchase from us on return. Please note that the current rate of commission is 1% (minimum €1, maximum €15).

F.A.S.T. stands for Financial Advice Service Team. It is a new, free, confidential service for Waterford CU members and is designed to offer professional, independent advice on personal finance issues. It operates separately to the credit control and lending departments, so there is no conflict of interest.

Members who are experiencing financial difficulties can contact the F.A.S.T. team and will be supported and educated about the core principles of budgeting. Even members who are not experiencing difficulties are invited to contact the F.A.S.T. team if they would like some professional advice on managing their money better.

Over three half-hour meetings, we will help you to:

  • Assess your income and expenditure
  • Identify areas where savings can be made
  • Put in place a plan of action for the long term

To book an appointment, contact Ann Marie Drohan or any member of the F.A.S.T. Team. Tel: 051 861 600, email: adrohan@waterfordcu.ie

Waterford Credit Union provide a purpose-built Safety Deposit Box service to our members. This service is available in our Upper Grange branch. There is access to your Safety Deposit Box 5 days a week, as per our Upper Grange branch opening hours. Members should note that access is by appointment only; please contact Paula on 051 861600 to arrange an appointment.

We provide a secure and private area for access to your Safety Deposit Box where you have complete peace of mind and confidentiality. Free parking is available and our trained officers are on hand to provide assistance and advice where necessary.

You must be a member of Waterford Credit Union and over 18 years of age to be eligible to apply for a Safety Deposit Box. If required, joint accounts may hold a single Safety Deposit Box.

Terms and Conditions apply and are available on request. Please contact Rose on 051 861656 for details on our rental charges and Safety Deposit Box availability.

Savings

Find out everything you need to know about saving with Waterford Credit Union

  • Why Save?
  • How do I Save?
  • Deposit Guarantee Scheme
  • Types of Savings Accounts

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Insurance

Find out everything you need to know about insurance with Waterford Credit Union

  • Loan Protection Insurance
  • Life Savings Insurance
  • Payment Protection Insurance
  • Death Benefit Insurance Travel, Home & Car Insurance

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