Join UsCroí Laighean Credit Union
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Only Pay Interest on What You Owe
Over €52 million
Invested in Members' Dreams Last Year
High Approval
Most Loan Applications Are Approved
Fair Lending
You Always Get a Fair Decision
Your Local Credit Union Serving Offaly & Kildare
Serving Offaly & Kildare, Croí Laighean Credit Union has a friendly approach to modern finance. We may work with figures all day, but you’ll always be more than a number. Our award winning customer service is both personal and professional because our members are at the heart of everything we do.
As a not-for-profit Credit Union, we make it simple to borrow and to save for the future, with convenient savings, financial guidance and the best loan rates in the locality. If you're looking for a great value loan, use our handy calculator below.
If you're not a member, don't worry! We made it simple and you can apply for a loan and join Croí Laighean Credit Union at the same time!
Am I eligible to join Croí Laighean Credit Union
Loan calculator
Loan Calculator
Loan Type
APR means Annual Percentage Rate. The repayment amount quoted is for illustrative purposes only, to provide you with an overview of the potential cost of borrowing. Restrictions may apply.
Warning: If you do not meet the repayments on your loan, your loan, your account will go into arrears. This may affect your credit rating, which may limit ability to access credit in the future.
While every care has been made in the production of this web page, the Credit Union, or any of its staff, cannot be held responsible for any omissions, errors or other mistakes on the site. This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing.
Loan amounts and 99% approval rate is based on figures from 2020. Rates are correct as of 1/02/2022 and are subject to change. Croí Laighean Credit Union is regulated by the Central Bank of Ireland.
Our Services
Savings
Savings
Lay a solid foundation for your future with our savings schemes:
- Share Account
- Family Account
- School Savers
- Saving Stamps
Loans
Loans
Options to suit all needs (99% approval rate)
- Back to school
- Business
- Car
- Celebrations
- Consolidation
- Home improvements
- Mortgages
- & lots more options!
Personal Account
Personal Account
We provide all the benefits of a regular current account, with a more personal approach.
- Current Account & Mastercard® Debit Card
Insurance
Insurance
Peace of mind with Ireland’s fairest policies, covering Home, Life & Travel Insurance.
Foreign Exchange
Foreign Exchange
Skip the airport queues and tick off your travel checklist with our commission-free foreign exchange service.
Bill Payments
CU Online & CU Mobile App
Community Support
Community Support
Every year, we give back over €50,000 to organisations and schools within our local community.
Members Draw
Members Draw
We have €20,000 to give away every month in our famous draw — will you be one of the lucky members?
Why Choose Us
Why Choose Us
We combine all the traditional friendliness of a credit union with the modern banking facilities you demand, such as instant, real-time online access to your account and our convenient mobile app which lets you manage your finances while on the move.
When you join us, you’ll become part of a community to lean on for help. Croí Laighean Credit Union is not-for-profit so any surplus is channelled into providing members with better products and services, loan rebates, or dividends. We also help our local community flourish through sponsorship initiatives that support schools, organisations and clubs in your area.
Over the last 8 years we have donated over €845,000 to the local community
Croí Laighean App
Croí Laighean Mobile App
Get full access to your account with a few simple taps on your smartphone or tablet. It’s never been easier to manage your money on the go, 24/7. Unlock a whole new level of convenience by downloading the Croí Laighean Mobile App today.
This facility is open to all members who have registered for online access. Register for online access here or learn how to sign up for our Mobile app here.
All our benefits at your fingertips
- Check your account Credit Union balances on the go
- Pay your bills
- Transfer funds between your own accounts
- Transfer funds to non- Credit Union accounts
- Secure member login — you’ll have peace of mind knowing your data is fully secure
Terms and conditions apply.
Secure member login
you’ll have peace of mind knowing your data is fully secure
Account balance
Check your account balances on the go
Transfer funds
Transfer funds between your own accounts and to non-Credit Union accounts
Pay bills
Pay your bills
Member Benefits
Member Benefits
We're free to join!
Every month we give away a minimum of €20,000 to members participating in our members draw*.
Nomination of your funds*: This facility enables you to nominate a recipient of your funds should you pass away. The nomination facility ensures that your funds are easily transferred to your loved ones in a timely manner.
Free Loan Insurance*: Your loans are insured at no direct cost to you which means that in the event of your passing, any outstanding loan balance will be paid off to relieve any financial stress on your loved ones, during this difficult period.
Life benefit insurance*: This is a unique additional benefit at no direct cost to you, paid to your nominated person in the event of your death.
* Terms and conditions apply
Last month’s figures
€52,849,615 loaned in 2024!
Our numbers for June 2025.
460
Loans approved
€4,172,152
Loans paid out
96
New members
Fixed Term Deposit Account
3.75% Return
Our 30-month Fixed Term Deposit Account offers safe and secure savings with a guaranteed return of 3.75% (AER: 1.5%).
Time for a new car?
Car loans from 5.5%!
Get in gear and get on the road with a Credit Union Car Loan. In the last year, we’ve helped our members buy cars by lending almost €12 million. (5.64% APR)
Our services
Loans
From Home Improvement Loans to Car Loans to Covered Loans, we have a wide range of Credit Union loans to suit your needs and repayment ability.
Savings
When you save with Croí Laighean Credit Union, you’re not just a customer, but a member of a Credit Union that provides security & protection for your savings.
Current Account
The Current Account from Croí Laighean Credit Union gives you all the benefits you expect from a current account, but with the trusted Credit Union personal touch.
Insurance
Backed by some of the leading Insurance companies in Royal London, RSA, AIG, Liberty and Mapfre. We will ensure that you get a fair quote every time.
Member benefits
We have a range of member benefits that you will not get from traditional banks and our customer service has awarded the best in Ireland for the past 6 years.
Community Support
We have donated over €845,000 to the local community over the last 8 years and as we grow, we will have more to contribute.
Latest posts
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26th Jun 2025Instant Payments are coming! From 1st Sept 2025, send & receive euros 24/7.... -
26th May 2025Whether you're dreaming of a snug garden retreat, a fully-kitted-out home office, or...
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31st Jan 2025Welcome to Croí Laighean Credit Union’s Social Impact Report from January to December...
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1st Nov 2024Discover practical strategies for managing financial stress and achieving a balanced life. Take...
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8th Jul 2024In today’s financial landscape, making informed borrowing decisions is more important than ever....
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9th May 2024We know that building your own home can be a difficult and stressful...
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24th Apr 2024Are you considering purchasing an Electric Car? We asked a recent EV adopter...
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4th Mar 2024Welcome to Croí Laighean Credit Union’s Social Impact Report 2023 for July to...
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15th Jan 2024We are delighted to announce an increase in our savings limits. Members cab...
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9th Jan 2024Did you know our Credit Union could cover all your banking needs? Indeed,...
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22nd Feb 2023We have compiled this post to alert you about the recent surge in...
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15th Jun 2023Croí Laighean Credit Union announced the recipients of the CLCU Community Fund 2023...
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27th Apr 2023While the main idea is to have a day to celebrate and reflect...
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2nd May 2023If you are someone who likes to budget and plan ahead and doesn't...
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7th Feb 2023Would you consider paying for 5-6 years of electricity upfront to get 15...
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25th Jan 2023Time to improve or modernise your personal space? Check out our handy home...
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15th Nov 2022Opening a children’s saving account is an effective way to teach your kids...
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11th Nov 2022Credit and debit card fraud can happen if someone physically steals your card,...
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11th Nov 2022Working with local Community First Responder (CFR) Groups in our common bond, including...
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2nd Nov 2022Croí Laighean Credit Union offer some of the best value loans on the...
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2nd Nov 2022We may work with figures all day, but at CLCU you are more...
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2nd Nov 2023At Croí Laighean Credit Union, we realise the importance of providing our members...
