FAQ’s

"FAQ’s"

What Do I Need To Join The Credit Union?

In order to join DBCU you must live, work, or do business within our district. Adult membership costs just €1.50 and is free for youth members under 16 years old. To join you will need the following items:

A valid photo ID such as a passport or driving licence

A utility bill/ bank statement in your name and showing that you live in the area

Your PPS Number

If you are a non EU National you will need a valid GNIB card and your TIN number

WHY JOIN?

• Great value loans
• Loan protection insurance — free 
• Uncommitted savings withdrawable on demand
• Joint Accounts available
• Life savings insurance — free 
• Prompt, personal attention
• Confidentiality/ privacy
• Direct Debits to save / repay a loan
• Flexible opening hours, including lunch and Saturdays  
• Group VHI, Quinn Health, and Hibernian Aviva Schemes — 10% discount
• Home Insurance  
• Foreign Exchange and travel insurance
• Bill Pay
• Pensions (PRSA’s) with low charges
• Car Draw
• Local, friendly and member owned
• Mortgages through KBC Homeloans

 Is My Money Safe At The Credit Union?

Yes, your money is secure with Donnycarney Beaumont Credit Union.

All Members’ Savings Are:

Protected By Our Members’ Savings Protection Scheme

Guaranteed Under the Government Savings Scheme

Backed By Strong Reserves

Insured With Free Life Savings Insurance

Accessible At All Times

Affiliated to the Irish League of Credit Unions

 How Much Can I Borrow From The Credit Union?

If this is your first loan with the credit union it is recommended that members only borrow twice their savings at the credit union up to maximum limits. Members should develop a regular savings habit with the credit union for at least 3 months before any loan is considered. However, if you require a loan prior to membership of 3 months this will be considered.

 As with all members who borrow, the credit union looks at one’s ability to repay, other loans outstanding and the financial history of the member. The Board of Directors may consider each loan on its own individual merits.

 How Do I Apply For A Loan?

If you wish to apply for a loan you can do so in either of our offices, online at dbcu.com or over the phone. The first step is to complete the loan application form, our staff will assist in any way possible.

Most loans will be assessed within a 24 hour period. In other cases the loan decision may take longer as documentation may be required to support your application. Supporting documentation includes evidence of address, payslips and bank statements.

To Apply For Your Loan Today Click Here

Drop In To Our Donnycarney or Artaine Castle Offices

Call 8319441 (Donnycarney) 8328360 (Artaine Castle)

Is There A Maximum Amount I Can Apply For?

No, the credit union will generally look at any application for any amount that is for a provident, productive purpose within its overall loan limit restrictions.

 What Kind Of Things Can I Borrow For?

Home Improvements

Car / Transport Loans

Holiday Loans

Student & Back to School Loans

Weddings & Family Loans

Personal Loans

Medical Expense Loans

Christmas Loans

Mobile Homes Loans

Credit Card / Debt Clearance Loans

House Deposit Loans

 Is There A Minimum or Maximum Share Level?

The credit union encourages its’ members to save on a regular basis, especially if they wish to borrow from the credit union. The minimum share balance is €10. A member may have savings with the credit union of up to 1% of the total assets of the credit union.

Can I Transact Online?

You can register for their online PIN number at www.dbcu.com. Your online PIN allows you to view your share and loan accounts online. If you wish to save on a regular basis without visiting one of our offices you can do so by completing a direct debit form. Direct debits allow you to save and make repayments on a weekly, fortnightly or monthly basis. The credit union can also transfer funds directly to your bank account using EFT, or Electronic Fund Transfer.

“I can’t physically get to the credit union office. What can I do?”

Set up a Direct Debit, transact online, telephone us or use the postal services.

“I Am Having Difficulties Repaying My Loan. What Can I Do?”

Contact our credit control department for an appointment. Ph 8465093 / 8319441

Can I Withdraw My Savings If I Have A Loan?

You may be able to withdraw some of your savings as they may not be pledged as security against your loan. If you have saved since you borrowed you can certainly access your additional shares. Terms & conditions apply.