Member Notice: SEPA Payments

Please note that there will be no payments processed on Wednesday the 1st May as it is the European May Day Bank Holiday.

This means there will be no SEPA payments processed on that day. A SEPA payment is a euro payment made to an account within the SEPA zone.

On May 1st any payments you send or receive to or from other financial institutions will be delayed until Thursday May 2nd.

You may want to make your payments before Tuesday 30th April to have it reach the intended account before May 1st.

Thank you for your patience.

Member Services Day: Thursday 21st March

Time: From 3pm- 7pm

On the day our Bruff Credit Union Team will help you:

  • Set up your Online Banking & Mobile App
  • Reactivate your dormant account
  • Open a Bruff Credit Union account for you or your child

See below for what you need to bring on the day.


Set up your Online Banking & Mobile App Checklist

Important: Our Mobile App is available to all members who have registered for Online Access. To register for Online Access, you must have a valid email address.

What do you need bring with you:

  • Your mobile phone
  • Proof of ID – Passport or Drivers Licence
  • Proof of Address – dated within 6 months
  • You need to have a valid email address and have access to this email address to complete your registration.

Reactivate your Dormant Account

At our members services day we can get your dormant account reactivated and active again!

To do this you need to bring the following documentation:

Proof of ID: Valid Passport or Drivers Licence (Full or Provisional)

Proof of Address: Any of the following documents will do: Utility Bill, Bank Statement, Revenue letters/documents, House/Car insurance letter. Must be dated within past 3 months

Proof of PPS: Payslip, DPS Card or letter from Revenue

Deposit: An initial deposit of minimum €1 is required.

No appointment needed. We look forward to welcoming you back to Bruff Credit Union!


Open a New Bruff Credit Union Adult Account

At our members services day we can get your new Bruff Credit Union account opened.

To do this you need to bring the following documentation:

Proof of ID: Valid Passport or Drivers Licence (Full or Provisional)

Proof of Address: Any of the following documents will do: Utility Bill, Bank Statement, Revenue letters/documents, House/Car insurance letter. Must be dated within past 3 months

Proof of PPS: Payslip, DPS Card or letter from Revenue

Deposit: An initial deposit of minimum €5 is required.

No appointment needed. We look forward to welcoming you to Bruff Credit Union!


Open a New Bruff Credit Union Minor Account

At our members services day we can get your new Bruff Credit Union Minor Account opened.

To do this you need to bring the following documentation:

For the Child’s Parent/Guardian

  • Proof of ID: Passport or Drivers Licence
  • Proof of Address: Any of the following documents will do: Utility Bill, Bank Statement, Revenue letters/documents, House/Car insurance letter, dated within past 3 months

For the Child

  • Proof of ID: Passport or Birth Certificate
  • Proof of PPS: EHI Card or PPS Letter
  • Deposit: An initial deposit of minimum €5 is required.

Have A Question?

If you have any questions before our Member Services Day;

Easter Opening Hours

Please Note: Our Office is Closed Friday 29th March & Monday 1st April for the Easter break.

Thursday 28th March
Friday 29th March
Monday 1st April
Tuesday 2nd April

10am- 1pm & 3pm – 7pm
CLOSED
CLOSED
10am – 1pm

Our online services are available 24/7

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

MEMBER NOTICE: Receiving your Annual Account Statement Electronically

MEMBER NOTICE: Receiving your Annual Account Statement Electronically

If you have opted to receive your annual account statements electronically, rather than by post, your statement is now available to view in our Online Banking area.

To access:

Our Annual Report and AGM notification will be uploaded to our website in January 2024 in advance of our AGM on the 24th January 2024.

If you have not opted to receive your statements electronically, they will be posted in January 2024, with our Annual Report and AGM notification.

If you have any queries regarding your account statements, please contact Bruff Credit Union at 061-382111

If you are not satisfied with the response received, please contact our internal Auditors, MOET Accountants at 061-335574

AGM 2023

The 2023 Annual General Meeting of the members of Bruff Credit Union Limited will take place on Wednesday 24th January 2024 at 7.30pm, at the Thomas Fitzgerald Centre, Bruff.

Raffle and refreshments on the night!

Mass will be held on Wednesday 24th January at 10am in SS Peter and Paul Church, Bruff for all our members and remembering our deceased members.

All Members Welcome!

Re-Activate Your Dormant Account

Have you a forgotten account with us still holding your communion money? Re-activating your credit union account is quick and easy. Once your account is re-activated you can start saving with us and enjoying the many benefits of membership of Bruff Credit Union; including applying for a loan, online services, Death Benefit Insurance and secure savings to mention a few.

What documentation do you need to re-activate your account?

  • Proof of ID: Valid Passport or Drivers Licence (Full or Provisional)
  • Proof of Address: Utility Bill, Bank Statement or Revenue letters/documents, House/Car insurance letter, dated within the last 3 months

How does an account become dormant ?

The rules under which Bruff Credit Union operates require that Member accounts that are inactive are marked as Dormant. This means that as a member you have not performed any transactions on your account in the last 36 months and under Rule 22 of the Standard rules for Credit Unions (ROI), and in line with Government Legislation regarding dormant accounts, the account is then marked dormant.

What happens when your account is made Dormant?

Your account will be classified as Dormant. Your shares/savings are still in your account and you will continue to earn any dividend annually on them. You will not be able to transact until your ID has been updated and you make at least one transaction.

What now?

Call into our office (click here to see our opening hours) to complete a new application form with the necessary documentation to re-activate your Bruff Credit Union account.

Christmas Opening Hours 2023

Please note our opening hours for the Christmas period.

Friday 22nd December10am – 1pm, 3pm – 7pm
Monday 25th DecemberClosed
Tuesday 26th DecemberClosed
Wednesday 27th DecemberClosed
Thursday 28th December10am – 1pm, 3pm – 7pm
Friday 29th December10am – 1pm, 3pm – 7pm
Monday 1st JanuaryClosed
Tuesday 2nd January10am – 1pm

Wishing all our members a Merry Christmas & a Happy New Year.

A Christmas Loan from us is cheaper than using your Credit Card

Yes, it’s true! Getting a Christmas loan from Bruff Credit Union is cheaper than running up debt on your credit card. Look at the rate comparison table below to see how much cheaper a loan from us really is.

Some other reasons to borrow from us:

  • Better rate
  • No administration or transaction fees
  • No penalities for early or lump sum repayment
  • Easy loan application
  • Same Day Loans up to €2000. Click here for more information 

Rate comparison table: Bruff Credit Union Loan v Credit Card

Bruff Credit Union Christmas Loan8.99%
AIB Credit Cards13.8%17%22.9%
Bank of Ireland Credit Cards19.6%22.1%22.7%
Revolut17.99%
An Post Money Credit Card15.7%22.9%
Avant Card Credit Card22.9%
Permanent TSB Credit Card22.53%

Information taken from ccpc.ie


Apply for our Christmas Loan

Apply online: Click here to make an online loan application

Make Online Enquiry: Click here to make an online loan enquiry

Apply by phone: 061 382111

Apply in office: no appointment needed

Credit Unions win again!

For an unprecedented ninth year running, credit unions are named the undisputed champions in Ireland for Customer Experience.

Credit unions have once again topped the league table for the best customer experience in Ireland according to the Customer Experience Insight (CXi) Report for 2023. Not only did credit unions beat 149 other organisations to retain this top position, they also further improved their already winning CX score, widening the customer experience gap between them and their rivals to achieve the highest score ever seen in the CXi Ireland survey.

As an active member of the credit union movement in Ireland, Bruff Credit Union continued support of our community has contributed to this achievement.

Report author and CEO of The CX Company Cathy Summers said the main reason credit unions are so successful at delivering customer experience excellence on a consistent basis is because they are embedded in the community and focused on driving change to meet their customers’ needs rather than just driving change to make their organisation more efficient. Summers said their CX record means credit unions are well placed to further compete with the banks for more complex products as well as the more traditional financial offering.

Commenting on the announcement, David Malone, CEO of the Irish League of Credit Unions (ILCU) said that the ILCU was delighted to see the customer experience from credit unions topping the standard for companies in Ireland.

“This unprecedented ninth win is recognition of the dedication and hard work of credit union staff and volunteer directors across Ireland. Their relentless focus is always on being there for our members, for communities and uniquely when compared with our competitors, on being not-for-profit. The credit union social ethos allows us to focus solely on how to best deliver for our existing and potential new members. This means we continue to offer a face-to-face customer experience in over 400 community locations where our 3,000 expert staff and 3,000 directors provide a professional service and essential financial supports to their members. On top of that our customers who wish to engage with us through the ever-growing credit union digital offering can choose to do so at their convenience.”

The Customer Experience Insight (CXi) Report is published annually by the CX Company based on a survey carried out on their behalf by Amárach Research. Over 29,640 experiences were evaluated using The CX Framework and performance under six key Emotional Drivers. In addition companies were evaluated on the basis of value, affordability, willingness to pay more for a better experience, preferred channels of interaction, loyalty, whether the experience has improved and how important employees are to the customer experience.

Click here to read the full report.


Junior Savers Week

Junior Savers Week runs from the 25th September – 1st October, and Bruff Credit Union is encouraging children in our local area to start saving with their local credit union!

Research shows that how we behave around money as adults is learned early on from our parents. Implementing good money habits for children early on helps them understand the importance of financial responsibility. So it is never too early for children to start learning prudent financial behaviour!

A huge part of our ethos at Bruff Credit Union is financial education for the everyone in our community. We want to ensure that our future generations are financially educated and empowered. Teaching children the value of money is a real benefit to them in the future and habits learned from an early age last a lifetime. We want to encourage the development of a regular savings habit during Junior Savers Week and want to encourage all children to join us here at the credit union and open their very first savings account!

Opening up a credit union account for children is a simple process. For children, saving money in a credit union is a real benefit and also teaches them the value of credit unions which are run by the community, for the community. Our junior savers are the future, and we will always be there for them in the future, for whatever financial assistance they might need, be it college, a new car, a holiday or their wedding day.

Bruff Credit Union has also put together some of their top tips for teaching children how to develop a healthy and responsible attitude to money.

  1. Consider rewarding children for regular saving. Don’t focus on the amount saved, but the fact that they are developing a savings habit. Supporting and rewarding them to save even very small amounts on a regular basis will help to imbed the habit.
  2. Help decide on a savings goal. They will find it much easier to save regularly when they are saving towards something they really want.
  3. Dissuade young people from spending their savings on impulse. Remind them of their savings goal and what they originally wanted to save for. Share with them a story of something that you would have saved for when you were younger.
  4. Help develop a savings plan, calendar or mood-board to highlight when their goal will be achieved. Having a visual prop or a visual ‘countdown’ can also encourage them to stick to their target.
  5. Give pocket money or allowances in small denominations and encourage them to put a little aside. Giving them a transparent piggy bank or jar so they can watch their money physically increase, is also a good idea.
  6. Consider linking pocket money and allowances to chores or responsibilities in the home. This helps to embed the idea that money must be earned. The more effort required to earn their money, the less likely they will be to spend on impulse or all at once.
  7. If pocket money and allowances run out at an early stage, don’t rush to replace them. Providing additional money at the drop of a hat will defeat the purpose of giving a set allowance.
  8. Why not get them to open their own account in Bruff Credit Union. This will give them a sense of independence and responsibility.

Opening a Minor Account with Bruff Credit Union is easy!

Children aged 16 years and younger can open a Minor Account in our branch anytime, no appointment needed.

To open a Minor Account, you will need:
✅ Birth Certificate or Passport for the Minor
✅ Proof of PPS Number for the Minor
✅ Photographic ID for the parent/guardian
✅ Address for the parent/guardian

Have a Question?

Call: 061 382111
Email: info@bruffcu.ie