We are the largest community based credit union in Ireland, serving the needs of more than 67,500 member-owners and their communities. Our official registered Credit Union name remains; St. Canice’s Kilkenny Credit Union Ltd. however following a series of member driven mergers, we now serve all the people who live or work within the wider geographic common bond areas of Kilkenny, Carlow, Laois and Tipperary. The common bond area in which we operate covers the postal districts of Bagenalstown, Ballingarry, Ballyragget, Callan, Dunnamaggin, Durrow, Graignamanagh, Kilkenny, Mountrath and Rathdowney and surrounding catchment areas. In our marketing material we are branded as St. Canice’s Credit Union.
We are not for profit.
This means that everything we do is for the support and benefit of our members and the communities in which we all live. St. Canice’s Credit Union uses its €421 million in assets to help improve the financial well-being of its members while at the same time helping to develop healthy communities that are socially, economically and environmentally sustainable.
We support local initiatives.
We provide members with a range of financial products and services to help them meet their financial goals and build their personal wealth. We also strengthen our community by turning our members’ deposits into millions of euros of credit, shared profits and community investments to support local economic, social and environmental initiatives.
We are a co-operative.
This means we differ from other businesses in some important ways:
- We are a values-driven business
- We have social and economic objectives that put profits at the service of people
- We are owned and controlled by our members
- We create jobs and wealth that stay in the local communities in which we operate
- We are guided globally by the seven cooperative principles:
- Voluntary & Open Membership
- Democratic Member Control
- Member Economic Participation
- Autonomy & Independence
- Education, Training & Information
- Cooperation among Cooperatives
- Concern for Community
As a cooperative, we are owned by our members and democratically controlled on the basis of one member, one vote. St. Canice’s Credit Union is run by a voluntary Board of Directors, which is subject to legislation by the Central Bank of Ireland and elected by the members at its AGM each year.
We are strong, secure and service driven.
There will always be a friendly face to meet and greet you at all of your branches. If you prefer to transact on-line; the latest technology is available to you; be that on our website, via our CU Anywhere app or over the phone to our member service centre. Click, Call or Come-in; you’re always welcome.
We are local, loyal and lending!
Our primary purpose is to promote thrift amongst our members and by the accumulation of savings we create a source of credit at fair and reasonable rates of interest for our members. Income charged on loans, investment income and other investment income provide for the day to day expenses and necessary reserves.