Frequently Asked Questions

FAQs

Loan

CLCU have loans for everything you want to borrow for. Whether it’s a new car, dream kitchen or getting onto the property ladder for the first time, CLCU can help you.

We make quick loan decisions, with some loans being approved on same day.

Yes, new members can apply for a loan straight away.

There is no maximum, we base our loan decisions on your ability to repay.

Yes, there are no penalties or fees for early repayment of your loan.

You can apply for your loan over the phone or online. We also offer the option of signing your loan paperwork online so no need to take time out of your day to visit the branch.

General

The common bond is the geographical area in which a person must live, work or study to join Croí Laighean Credit Union. Check out our common bond here.

Opening an account is easy – complete our online application form to get started. You will receive a confirmation email which includes a link to the ID Pal mobile app. Simply download ID Pal and use the app to submit your ID documents – our Membership team will be in touch within 1 business day* to finalise your application. You can watch our Application Form Tutorial Video to learn how to complete the online form.

If you are unable to complete an application online, contact us and our Membership team will be in touch. Please note that you must live, work or study in our common bond to become a member.

*Please note applications may take longer than 1 working day to process during busy periods. If you have lost the link to download ID Pal, please contact membership@clcu.ie.

When you submit your online application, you will receive a confirmation email. This email includes a link to download the ID Pal mobile app from the Apple and Google Play stores.

Simply download the app and snap pictures of your ID/documents to complete the application process. You can watch our ID Pal Tutorial Video to learn how to use ID Pal.

If you have lost the link to download ID Pal, please contact membership@clcu.ie.

Members have access to their accounts 24/7 online and with their debit card. Our phone lines are open 6 days a week from 9.30am to 4.30pm on 1800 23 24 25 or click here for branch opening hours.

If an account has not had any Member transactions in the past 3 years, it will be classified as a Dormant Account. If this occurs, you will not be able to make any transactions until it has been reactivated.

To reactivate your account – you will need to complete our online  application form, providing your current details. You will then receive a confirmation email with a link to the ID Pal mobile app. Simply download ID Pal and submit your identification documents – our membership team will then contact you within 1 business day* to finalise your application.

*Please note applications may take longer than 1 working day to process during busy periods. If you have lost the link to download ID Pal, please contact membership@clcu.ie.

Nomination allows you to indicate who is to be the beneficiary of your credit union balances (subject to certain rules), in the event of your death. Any person (s) can be nominated and they don’t have to be a member of the credit union. Nomination is not required for joint accounts as the balances are automatically retained in the name of the surviving account holder.

If you can login to the Members Area, but you are having problems viewing or accessing other parts of our website, go to our Website Browsing – Help page.

Online Banking (CU Online)

You simply go to the CU Online registration page, click on ‘register for online access’ and follow the steps outlined.

If you lose/forget your PIN, you can request to have it reissued via the CU Online login page. Our Member Services Centre can also issue an SMS with your PIN – just call 1800 23 24 25.

Once you have signed up for CU Online with us, you can transfer funds to and from this account online. Please note that transfers to other financial institutions may take up to 3 working days to be processed.

If you already have a PIN and you are having trouble accessing the Members Area, view a list of potential problems and solutions on our Login Help – CU Online page.

Current Account

If you have queries about our Current Account, please click here for a full library of FAQs.

Go Ahead, Ask Us!

We’d Love To Hear From You
Got a question or some feedback you’d like to share? Get in touch and let us know by telephone, email or our online contact form.