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Make The Switch

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If you have an existing loan with another bank, credit union or lender, Waterford Credit Union have created a loan fund of €1 million which is available to both new and existing members looking to switch their loan to a new provider.

By switching your loan to Waterford Credit Union you can avail of our competitive switcher loan rates. The more you borrow, the lower the rate.

Not a member? Sign up to Waterford Credit Union and switch your loan today. 

€1m Loan Fund Available

Waterford Credit Union have made available a loan fund of €1m to lend at three competitive rates depending on how much you need to borrow.

Our loan rates for the €1 million loan fund are only available for personal loans.

But, what does a personal loan include?

A personal loan is an amount of money you can borrow to use for a variety of purposes such as holidays, home renovations or even getting that new dishwasher you’ve been needing.

Switching your personal loan to Waterford Credit Union includes an easy application process which involves contacting our lending team or visiting us in one of our three brances (Upper Grange, Parnell St and Tramore).

These special loan rates are only available on the first €1m issued, so make sure to get in touch!

Current Account

We have an extremely competitive current account, with one of the lowest monthly fees on the market.  With our current account, you can go full digital using our app, or you can pop into one of the three fully staffed offices in Parnell Street, Upper Grange and Tramore. 

Thinking about making the switch? Find out more about our current account here.


Are you thinking about switching your mortgage provider? Switching your mortgage to Waterford Credit Union can provide you with lower interest rates as well as many other features and benefits. Waterford Credit Union invites applications from First-Time Buyers, Switchers and Home-Movers.

Since 1st January 2019 the Central Bank has developed a new list of guidelines which makes it easier for you to switch mortgage providers. These measures can be viewed here.

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