More and more people are choosing Waterford Credit Union

Waterford Credit Union is the oldest and largest credit union in Waterford. We have 3 offices conveniently located across the city & county in Parnell Street, Upper Grange and Tramore. We provide a large suite of products and services to our 35,000 members both in-branch and online 24/7. WCU are proud to support many local community groups, schools, colleges and businesses in our common bond each year through donations and sponsorships.

Why choose Waterford Credit Union?

• No transaction fees on personal accounts
• Free Loan Protection Insurance
• Free Life Savings Insurance
• Death benefit insurance
• Payment protection insurance
• Very competitive loan interest rates
• Convenient opening hours, including Saturday
• Monthly Car Draw
• Community based organisation

Why borrow from Waterford CU?

From cars to home improvements and everything in between, if you need a loan, we can help. Waterford Credit Union issued almost €20m in loans last year.

• Easy loan application process
• Quick Loan decision
• New members welcome to apply – join today, borrow today
• No saving history required
• Free Loan Protection Insurance
• No penalties for early repayments
• Flexible repayment options
• Competitive loan rates
• View payments/balances online
• Access to small and large loans

96% of loan applications approved!

How to become a member

• New members can sign up online
• In-branch (Parnell Street, Upper Grange or Tramore)

Click for types of accounts and documents required

What services do we offer?

• Free Online banking
• Mobile App
• Globally accepted contactless Debit Card & Current Account
• Competitive loan rates
• Salary & Social Welfare direct lodgements
• Bill payment Service
• Foreign Exchange
• Phone & Debit Card lodgements
• Electronic Fund Transfers

Debit Card and Current Account

Our Current Account service provides a real choice for members day-to-day money needs. Members can now operate a full-service current account, which is separate from your savings or loan accounts. The Debit Mastercard gives instant access to money in your current account through a globally accepted debit card, a secure app and online portal with mobile functionality.

Features include: Priceless Ireland, Google Pay and Fitbit Pay digital wallets, In-store/online/ATM payments and withdrawals.

Student Current Account at Waterford Credit Union

Free day-to-day banking for students
Free Online & mobile banking
Globally accepted debit Mastercard with contactless
Reduced rate student loans

Access to Mastercard Priceless Cities

Student Scholarship

Waterford Credit Union and St. Dominic Credit Union have joined forces to offer one lucky student €1,000 per year of any degree course they undertake in the Business School at Waterford Institute of Technology.

More details at John Hume Scholarship

If you would like more information on any of our services please email comms@waterfordcu.ie or visit our website

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Yours in Community,

Waterford Credit Union