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
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.
Thursday 16th March our office will open 10am – 1pm & 5pm – 7pm
Friday 17th March: We are closed for St. Patrick’s Day
Our online services are available 24/7:
Wishing you a very Happy St. Patrick’s Day ☘️
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:
Our Re-Connect / 1st Time Borrowers promotional loan rate of 8.62% is available now for 1st time borrowers or members who have not borrowed with us since 01.03.22. Borrow from €100 to €30,000 for any personal purpose, big or small!
Why borrow with us?
Quick & easy loan application options
St. Patrick’s Day is an international event with incredible parades and celebrations around the globe. Are you thinking of going somewhere new this 17th March? We’ve rounded up some ideas for you to peruse…
Though it’s often called “The Paris of South America,” the Argentinian capital looks more like Dublin every March 17th.
The Singapore River is dyed green, costumes are donned, and a Harley-Davidson convoy leads the pack at the Singapore St. Patrick’s Day Parade, the largest celebration in Southeast Asia.
The St. Patrick’s Society of Singapore (comprised mostly of ex-pats) also hosts an annual ball at the Shangri-la Hotel with free-flowing wine and beer, live music, prize drawings, and Irish dancing.
Every year the Norwegian Irish Society gathers on Jernbanetorget to have Norway’s largest St. Patrick’s Day Parade.
Epic parties, live music events and Irish fare, bringing Irish pride to the streets of Manhattan.
The oldest parade and one of the biggest in England, about 80,000 people line the streets with live music, food, drinks, and entertainment in the Emerald Village.
Street parades, plenty of music, food, drink and Denmark’s unique 3-legged St. Patrick’s Day tradition.
The people of Vilnius celebrate St. Patrick’s Day by turning the Vilnele River green as well as loads of fun activities such as music, food and a model Guinness ship floating down the river.
Would it surprise you to know that one of Europe’s best St. Patrick’s Day festivals happens in Italy? Every year over 25,000 people descend on the historic university town of Padua, just a short drive from Treviso, to have a party at “Festa Irlandese”.
Where will you be this St. Patrick’s Day? If you need a loan to help finance your holiday; talk to us! Click here to use our handy loan calculator and apply online.
PCPs, or Personal Contract Plans, have become a popular way to finance a new car. Many dealerships can offer you a very attractive-sounding deal on the spot – affordable deposit, low monthly payments, trade in the car after 2-3 years… What could possibly go wrong?
Unfortunately, it’s not quite as simple as all that and there are a number of pitfalls to be aware of when entering into a PCP agreement – most of which can be avoided completely by taking out a car loan with Bruff Credit Union instead.
Here are some reasons you should talk to your local credit union rather than enter into a
Ownership
A PCP is a kind of hire-purchase agreement, where you don’t actually own the car until you make the final payment. This means if you want to change cars or encounter difficulties during the term of the contract, you can’t sell the car without the agreement of the finance house/dealer.
With a Bruff Credit Union car
Flexibility
Because PCP monthly payments are fixed over the term of the agreement, you can’t pay extra each month to finish up early and you will be charged a fee if you need to restructure the agreement in any way.
With a Bruff Credit Union
Balloon Payments
A PCP is broken into three parts – deposit, fixed monthly repayments
With a Bruff Credit Union
Mileage
As part of a PCP agreement, there is usually a restriction on how much mileage you put on the car. Going over the agreed maximum mileage can affect the final value of the car and end up costing you more money.
With a Bruff Credit Union car
Maintenance
PCP providers often insist you have the car serviced on a strict schedule by someone in the official dealer network. If you come to the end of your term and you’ve either missed a scheduled service or had it done anywhere other than one of their specified locations it could end up costing you a fortune.
With a Bruff Credit Union car loan, there are no terms and conditions in relation to maintenance.
Negative Equity
When you buy a car it immediately begins to lose its value to depreciation, very quickly at first, but it does slow down. This is normal and with a credit union
With a PCP, especially if you’ve paid a low deposit, you may never actually catch up with the car’s depreciation. This really only becomes a problem if you need to change cars or if your financial situation changes and you need to exit the PCP
Costs
PCPs are attractive because they consist of a relatively low deposit and low fixed repayments, which makes them seem very reasonable and manageable at the outset. However, you need to look at the total cost over the term – bearing in mind that the car isn’t even yours until the final payment is made – and it may work out more expensive than a credit union car loan.
If you’re planning to buy a new car, don’t get sucked into the first shiny-looking PCP offered by the dealership.
The 2022 Annual General Meeting of the members of Bruff Credit Union Limited will take place on Wednesday 18th January 2023 at 7.30pm, at the Thomas Fitzgerald Centre, Bruff.
Raffle and refreshments on the night!
All Members Welcome!
Once the joy of Christmas has worn off and the rain is beating down, do you dream of sun and sandy beaches? Check out some of our ideas for the best holiday destinations for winter sun in January 2023.
Where is hot in January?
The hottest places in January tend to be long-haul destinations such as Cancun and Barbados, but European hotspots such as Tenerife and Lanzarote still offer warm temperatures and plenty of sunshine just a few hours’ flight away.
The top 10 holiday destinations which are the hottest in January:
Average temperature: 20C. Tenerife is a popular destination throughout the year, but it is still a great option even in winter with a short flight.
Average temperature: 30C. The Mexican holiday hotspot remains around 30C even in January, making it perfect for a long-haul break.
Average temperature: 16-18C. With average 10 sunshine hours in January and only an average of 2 rainy days; the southern city of Almeria is a great location for some winter sun. There are plenty of things to do in Almeria too. You can visit the Alcazaba, a Moorish fortress perched above the city that was featured in Game of Thrones and the beautiful beaches of Cabo de Gata nature reserve are featured in Indiana Jones.
Average temperature: 13-17C. Combining sun and warmth in January with a cultural break, Athens is a fantastic destination and one of Europe’s warmest winter city breaks.
Explore the vibrant and cosmopolitan city of Dubai. Often referred to as the ‘gateway between the east and the west’, it combines the comfort and convenience of the modern western world with the unique charm and culture of Arabia.
Average temperature: 28C. Always dreamed of a trip to the Caribbean island? Now could be the perfect time – even in the evenings, temperatures remain warm, dropping to around 22C.
Average temperature: 26C. South of the Canary Islands off the west coast of Africa, Cape Verde shares the Canaries’ dry climate but it’s even hotter. The islands offer a happy medium between a short flight to the Canaries or a longer trip to the tropics.
Average temperature: 21C. Maintaining warm temperatures all year, Lanzarote is a great choice to get some sun without having to travel too far.
Where will you go for some Winter Sun? If you need a loan to help finance your holiday; talk to us! Click here to use our handy loan calculator and apply online.
Discounted loan rates
Our promotional personal loan rate of 8.62% is available now and is 18% off our standard rate. Borrow from €5000 to €30,000 for any personal purpose, big or small!
High loan approval rates
Bruff Credit Union is in the business of saying ‘yes’. In 2022 we approved 96% of loan applications.
Flexibility on loan repayments
A top reason to consider a Bruff Credit Union loan is our flexible approach to loan repayments. We understand that life can get in the way of your finances. Borrowers can find themselves in a situation where they are unable to meet their loan repayments for a time. This is not a problem at the credit union. Your loan officer will work with you to restructure your repayments to make life easier on you. You’ll have the option to increase your repayment amounts again if you wish.
On the flip side, maybe you’ll find that you want to pay off your loan earlier than scheduled. Or you may even have a lump sum you want to use to clear the loan. Again, never a problem at the credit union; and there is no financial penalty for doing so.
No Fees
Bruff Credit union loans do not carry any hidden fees; no administration or transaction charges will be added to the cost of your loan. The final cost of credit which you agree to will always be the final cost. Unless you opt to change the terms of your loan.
Loan protection insurance
Loan protection insurance means your loan is paid for by Bruff Credit Union in the unlikely event of your death. This enables you to borrow from your credit union in the confidence that your dependents won’t have to repay the outstanding balance of your loan.
Interest on the declining balance
You only pay interest on the outstanding balance of your loan. Therefore, you only pay interest on what you owe at that time.
Personal Service
When you apply for a loan through your local credit union, you can be assured of an open-minded, honest and transparent process. Credit unions will always give you a fair hearing. We take the time to understand the wide-ranging reasons behind each and every loan application, and will do our utmost to approve the loan.
Applying is Easy
Applying with us is quick and easy.
Credit unions are a community-based organisation and do not exist to make profits or to exploit those who are in need of financial assistance. Those who borrow from credit unions are known as members, and it is you, the member, who own the credit union. Key to the lending decision made by the credit union is your ability to repay the loan. The credit union loan officer will look at your income and outgoings to determine what will best suit your circumstances. They will never suggest that you take on a loan that will result in unnecessary debt or financial stress.
Credit unions are open to all types of loans. Home improvements or home loans, a new car, a dream wedding, the holiday of a lifetime, kitting the kids out for school, dental work, business and agri loans.
Thanks to all our entries to our 2022 Art Competition.
| Scoil Dean Cussen | Knockainey NS | Lough Gur NS | |
| 1st | Rian Lyons | Molly Quinlan | Lucia Crawford |
| 2nd | Luke Madden Cranley | Cloda Moloney | |
| 3rd | J.B. Beechinor | Abbie Collins |
| Scoil Dean Cussen | Knockainey NS | Lough Gur NS | |
| 1st | Keely Roche | Kayelanee Kuane | Aoife Micks |
| 2nd | Sofia Pulia | Ava Phoneix Casey | James McLoughlin |
| 3rd | Allie O’Shea | Paddy Kirby | Orlaith Hayes |
| Knockainey NS | |
| 1st | Katie Rice |
| Scoil Dean Cussen | Knockainey NS | Lough Gur NS | |
| 1st | Emma O’Connor | Kate O’Leary | Evan Keane |
| 2nd | Caoimhe Roche | Emma O’Reilly | Clodagh Hourigan |
| 3rd | Diarmaid Adams | Eoin Keane | Kate Dunworth |
| Knockainey NS | |
| 1st | Padraig O’Callaghan |
