Here you can see a list of our most Frequently Asked Questions organised by category. If your question is not listed, please feel free to submit a question via our contact form

Yes. As a member of the Government-backed Financial Services Compensation Scheme, your total savings are protected up to the value of €100,000.

Anyone living or working in our Common Bond is eligible to join Access Credit Union. View our Common Bond map here.

Save as little or as much as you want, but accounts can hold a maximum of €30,000.

There is a once-off joining Entrance Fee of .25 cents. There are no other fees on our savings accounts, but every member of Access Credit Union must always keep a minimum of €6.35 in their share account.

Both the Savings and Loans insurance contracts carry a 6 months pre-existing condition limitation (PCL) as standard.

The insurance will not pay benefit on a member’s outstanding share balance or loan agreement if death results from a pre-existing illness or injury for which medical advice; consultation or treatment was received within 6 months prior to making the share deposit or taking out the loan agreement.

This PCL lasts for a period of 6 months from the start date of each share deposit or loan agreement. If a member dies 6 months or more after the date of the share deposit or commencement of the loan agreement this rule will not be applied.


Insurance benefits under this cover may not be payable if you are injured, become ill or die resulting from an insurrection of any act of war, declared or undeclared, or service in the armed forces of any country.


Benefits under this policy are not payable with respect to any deposit into your savings account if you commit suicide, while sane or insane, within six (6) months from the date of the deposit.


Benefits under this policy are not payable with respect to any savings disbursed to your share account on, or subsequent to the effective date of this policy if your death results directly or indirectly from Human Immunodeficiency Virus (herein HIV) or Acquired Immune Deficiency Syndrome (herein AIDS) or where HIV/AIDS is a major contributing cause of death. The Pre-Existing Condition Limitation shall not apply to this HIV/AIDS Exclusion. Exemptions to the HIV/AIDS exclusion are as follows:

  • Contraction of HIV/AIDS “in the line of duty” or as part of one’s legal profession (e.g. medical personnel/EMTs; police/safety work)
  • Contraction of the virus as a result of being the victim of a crime
  • Contraction of the virus through a blood transfusion or legal medical procedure administered by a medical professional in a medical facility

Proof of death must be submitted to us within two (2) months of the occurrence of death. If notice and/or proof cannot reasonably be given within the period the claim will not be invalidated if it is shown to have not been reasonably possible to give notice and/or proof, prior to the date it is first presented.

As part of the claim procedure your beneficiary may be asked for consent to seek medical proof from your doctor relating to your claim.

Yes. There is the option to apply for the Overdraft Facility when you open your Current Account. Overdraft applications are subject to credit assessment.

Yes, you just need to give your employer your BIC and IBAN for your Access Credit Union Current Account and they will schedule your payments to be paid to your account.

Yes. You will have a globally recognised Mastercard ® Debit Card that can be used at all ATM’s and at point of sale.

Our Current Account has a set monthly maintenance fee of €4. For more information on fees and charges, please click here.

To do this, all you need to do is give the Social Welfare your new BIC and IBAN which will be supplied when you open your Current Account.

Please click on the link below for a complete list of our terms and conditions for our Current Account and Mastercard Debit Card; please click here

Cultivate is an initiative of a group of over forty Credit Unions that provides short to medium term loan opportunities built specifically around the growing needs of our farming members. Unsecured loans up to €75,000 over 7 years are available from Access Credit Union , and secured loans up to €200,000 over 25 years.

Cultivate Farm loans farm loans are available up to €50,000 unsecured and Access Credit Union can now offer up to €200,000 as a Cultivate Secured Loan.

6.55% (6.75% APR*) Variable Cultivate Unsecured Farm Loan

5.25% (5.38% APR*) Variable Cultivate Secured Farm Loan

Cooperation is part of our core values. We aim to cooperate with the farmer at each step in developing their farm or farm enterprise, supported by our new FinTech solution Visualyze.

  1. Find out about you
  2. Identify your needs
  3. Agree your priorities
  4. Consider your options

You will get a personalised report detailing your current financial status and options to consider, including the steps needed to help protect you and your family, and how to plan ahead for the future. Then its up to you to decide what to do next.

Irish Life Financial Services have a team of financial advisers ready to help get you started with your financial planning. Why not take the first steps in Financial Planning with Irish Life Financial Services?

Members can fill out the form here to register for online banking. A member of staff will contact you on the telephone number provided to verify your identity and complete the registration process. A PIN will be sent to your address securely by post.

You can call our office on 028-21883 during office opening hours and our team will be happy to re-issue your pin. Alternatively you can fill in the form here and a member of staff will be in touch to finalise your request.

SCA stand for Strong Customer Authentication, and is required for the user to confirm a member's identify before being grated access to their account.

To access your account, members will need their account number and PIN. Once they have entered an SCA will be sent to the members mobile device which they will need to enter to receive access.

Members will not be charged for the service.