Why save with St. Canice’s?Top Ten ReasonsEasy AccessYou have easy access to your savings. You can withdraw some or all of your money whenever you want (provided they’re not pledged as security for a loan).Savings guaranteeYour savings are fully secure. They are protected by the Irish Deposit Guarantee Scheme (you can save up to a maximum of €100,000).Competitive dividendAny surplus income generated is returned to members as a dividend and/or reinvested to improve services.Pro-rata dividendWhen we declare a dividend, each share you hold for that year is eligible for a dividend. The more shares you hold, the greater your dividend.No FeesThere are no transaction fees or hidden charges on savings accounts (and loan accounts).Free life savings insuranceSavings are insured at no direct cost to each eligible member. The insurance is paid in addition to the savings you hold at the time of your death.Member ownedSt. Canice’s Credit Union is owned by its members, for the benefit of its members.Community organisationWe are part of the local community. We exist for people, not for profit and actively support the local community.Democratic bodyMembers enjoy equal rights to vote (one member, one vote) and participate in decisions affecting the credit union.Pay it ForwardYou have the added bonus of knowing that your savings are put to good use and made available to fellow members in the form of loans.