The Credit Union Art Competition is Now Open!

The Credit Union Art Competition 2023 has landed! The theme for this year’s Credit Union Art Competition is ‘My Community & Me’. This year’s theme gives participants the opportunity to present their own interpretation of what their community means to them.

The competition invites participants to create artworks that depict the theme and explore through their own unique lens the beauty and wonder of their Community and portray that on paper or canvass.

The closing date for entries is Friday October 13th.

Click here to Download the Entry form

Our Promotional Home Improvement Loan is Back!

Want to make your home more energy efficient, change the bathroom or setup a home office…no matter the size of the job, we can help! Our 8.62% (8.99% APR) promotional home improvement loan is back for a limited time.

  • Borrow up to €30,000, with a minimum loan of €5000
  • Quick decision
  • No hidden fees, transaction charges or set up fees
  • High loan approval rate
  • No penalties for early or lump sum repayments
  • As your loan decreases so does your interest repayments
  • Free loan protection insurance
  • Support your credit union by borrowing local

If you are considering upgrading your home and you are looking for an affordable choice in financing these upgrades contact Bruff Credit Union on 061 382111 or email You can also apply easily online; follow this link or call into our office to apply for your loan in-office.

2023 ILCU Back to School Survey Findings

The Credit Union Back to School Tracker 2023 shows significant increase in parents feeling financial burden of children going back to school.

The Irish League of Credit Unions has published the results of its annual School Costs survey, tracking the costs and impacts of children returning to school. 723 parents (out of a sample size of 2,510) from across Ireland responded to the survey, which was conducted by i-Reach Insights during June.

ILCU Back to School Tracker – Results 2023

The impact of the cost-of-living crisis is very evident this year with a significant increase in the number of parents saying they are under financial pressure with the costs of children returning to school. 72% of parents say that covering the costs of back to school is a financial burden compared to 66% in 2022. Despite this, the amount being spent per child on back-to-school costs has fallen compared to last year and the average debt burden has also fallen.

  • 72% of parents say the cost of Back to School is a financial burden
  • Parents are spending €1,152 per primary school child (2022: €1,195)
  • Parents are spending €1,288 per secondary school child (2022: €1518)
  • Extra-curricular activities is the top expense for primary schools (€191)
  • School Books (€187) is the top expense for secondary schools
  • More than 1 in 4 (29%) say they get into debt covering back to school costs.
  • The average debt amount is €306 (down €33 vs 2022) with 17% having debts over €500
  • 70% of parents believe that schools don’t do enough to keep the costs of going back to school down
  • 75% of schools ask for a ‘voluntary’ contribution

Free Primary School Book Scheme

Despite schools being responsible for informing parents of the Free Primary School Books Scheme nearly half of parents surveyed did not know about it. Introduced by Government earlier this year, the scheme removes the costs of schoolbooks, including workbooks and copybooks for children attending recognized primary schools and special schools.

  • 49% of parents have not been informed of the Free Primary School Books Scheme
  • Of those parents who do not know about the scheme, 39% say they will buy their children’s primary school books outright
  • 92% of parents think the new Free Primary Books Scheme will reduce their back to school costs, with 2 in 5 (40%) saying costs will reduce a lot
  • More than 9 in 10 (92%) want the free books scheme extended to secondary schools

Cost of Living Impacts

A majority of households (88%) are experiencing cost of living increases. Of parents with school going children, 88% also said they have been affected by general cost of living increases. Many parents are using savings to cover these extra costs, while 13% are seeking loans. Slightly more parents (40% compared to 38% of general respondents) are cutting back on activities to save money.

  • 88% of respondents have been affected by rising costs of living since the start of 2023, including 88% of parents with children in school.
  • A third of parents (33%) with school children are dipping into their savings to cover cost of living increases
  • Almost 1 in 5 (18%) of parents of school children are trying to earn additional income.
  • 13% of respondents, including 13% of parents with school children, are taking out loans to cover rising costs, with 2% using Payday / moneylender services
  • 2 in 5 (40%) of parents of school children have cancelled or reduced non-essential activities to save money
  • Increasing costs of food for school lunches (57%) is the biggest effect of the rising cost of living followed by increasing costs for school trips / activities (47%) and uniform costs (43%)
  • 63% of parents shop online for school books. Saving money is the reason given by 61% of these parents.

Helping to Make Life Less Stressful!

Talk to us about an education loan to help with those Back-to-School expenses.

A Guide to Greener Home Improvement Grants

A Credit Union survey found that 75% of people have no idea what grants are available to them when making home improvements. Finding the relevant grant information can be daunting; this article covers the basics of government home improvement grants;

What grants are available for home improvements in Ireland?

The Sustainable Energy Authority of Ireland (SEAI) offers a number of grants to homeowners who are looking to upgrade their homes and make them more energy efficient:

Fully Funded Energy Upgrades
If you are in receipt of a social welfare payment, you live in your own, and your home was built pre-2006, you may qualify for a fully funded energy upgrade. More details can be found on the SEAI website here.

Home Energy Upgrade – Multiple Measures
If your home needs multiple measures and you want a complete home energy upgrade solution, grant support of up to €35,000 per home is available. This work must be carried out via an approved One Stop Shop. You can avail of a wider range of grants by using a One Stop Shop than if you were to manage the project yourself. Upgrades included within the scheme include:

  • Double/Triple Glazed Windows
  • Solar Panels
  • Attic insulation
  • Demand Ventilation Schemes
  • Heating Controls
  • Exterior Wall Insulation
  • Interior Wall Insulation
  • Insulated Doors
  • Heat Pumps
  • New Boiler

To avail of this scheme, your home must achieve a Building Energy Rating of at least a ‘B2’ after the work is complete. In most instances, you will need to install multiple measures to meet this requirement.

Home Energy Upgrade – Single Measures
You may choose to manage your home energy upgrades yourself, and there are specific, single measure grants for homeowners and private landlords without means testing.

Property owners can apply for these grants online, and choose their own contractors from a registered list.

Grants are available individual energy upgrades such as attic or wall insulation, heating controls, heat pumps, solar thermal, and solar PV.

More details can be found on the SEAI website here

How Can We Help?

If you wish to make energy efficient upgrades to your home, our promotional home improvement loan @ 8.62% is available until 31st July.

Click here to use our handy loan calculator to see your repayments.

Credit Unions ranked as Number One in 2023 RepTrak® study

Credit unions have been ranked as number one among the top one hundred most highly regarded organisations in Ireland, in the Ireland RepTrak® 2023 annual study. Credit Unions have consistently featured in the top two of the annual study for the past five years.

The Ireland RepTrak® 2023 annual study is based on a survey of more than 5,500 members of the public which gathered data on the levels of trust, respect, admiration and esteem they have for organisations in Ireland.

In achieving the top spot in the 2023 study, credit unions took the top spot overall as the most reputable organisation in Ireland with an excellent Reputation Pulse score of 82.8. credited with being a cornerstone of local communities with over 3.6 million members. The public acknowledged the trust that members place in their local credit union and their friendly people focused approach.

Commenting on the study, David Malone, CEO of the Irish League of Credit Unions said, “The results of the 2023 RepTrak study are a significant achievement for the credit union sector, and once again a recognition of the role that we play in communities across Ireland. We are delighted with the results, which positions us as a leader among some of the most prominent organisations and household names in Ireland.

The RepTrak survey emphasises attributes such as trust and respect, which are core to the ethos of credit unions which are locally owned, and, or managed. With over 3,000 Credit Union employees and 2,300 volunteers, we are proud to be at the heart of communities nationwide working towards a more inclusive society, where no one is left behind.

As we look to the future and the development of our offering to communities, this achievement is an important barometer of the sectors success to date and future opportunity for credit unions and those that we serve across Ireland

17.05.23: Office Closed for System Upgrade

Our office is closed Wednesday 17th May for upgrading our computer system.

Our new online and mobile services will launch in June 2023. Our online services will include:

  • Online Account Access
  • BCU Mobile App
  • Online Loan Application
  • Money Transfer
  • eStatements
  • EFT/Direct Debits

To register your interest in our online services and to be informed once our services are available; please fill in the form below.

    Easter Opening Hours

    Please Note: Our Office is Closed Friday 7th April & Monday 10th April for the Easter break.

    Thursday 6th April
    Friday 7th April
    Monday 10th April
    Tuesday 11th April

    10am- 1pm
    10am – 1pm

    Our online services are available 24/7

    • Make an online loan payment or savings lodgment – Click here
    • Make an online loan application – Click here

    The management & staff of Bruff Credit Union would like to wish all our members a very safe and happy Easter.

    Bruff St. Patrick’s Day Duck Race

    Bruff Credit Union are proud to support the Bruff St. Patrick’s Day Duck Race.

    We have randomly chosen 15 Bruff Credit Union members and purchased a duck for them in the Duck Race. The Bruff Credit Union ducks are blue so keep an eye out for the them!

    Best of luck to our chosen members:

    • Caroline Fitzgerald
    • Maureen Considine
    • Laura Casey
    • Aidan Moloney
    • Joseph Keating
    • Matthew Daly
    • Breda Heelan
    • Ian Hogan
    • Mark O Connell
    • Hillary Cleary
    • Denis McEniry
    • Laura Whelan
    • Kathleen Finn
    • Paul Browne
    • Fiona Cahill