We are committed to our local community and offer a Low-Rate Community Loan.

Whatever the project, we are here to help! 5.9% (6.07% APR)

Loan purposes can include:

  • Sport and recreation
  • Culture and heritage
  • The arts (within the meaning of the Arts Act 2003)
  • Health of the community
  • Youth, welfare and amenities
  • Natural environment

The maximum unsecured Community Loan is €40,000 excess of shares. The maximum secured Community Loan, in this instance secured means a loan secured by way grant aid from a state agency, is €75,000 excess shares.

How To Apply

Our loan process is quick, easy and as stress-free as possible. We have a number of different application options.

Apply By Phone

Apply by phone or talk to us if you have any questions.

Call: 069 64444

Apply In-Branch

You can apply in any of our branches at anytime. No appointment needed.

Click here to view the opening hours of our 3 branches.

If you are not a Rathkeale & District Credit Union member, you can join and apply for a loan same day – click here to find out more!

Why Borrow with Rathkeale & District Credit Union

  • No Fees

    No hidden charges with a credit union loan; no processing charges or documentation fees.

  • Quick Decisions

    We aim to review all applications within 24 hours with all documentation received.

  • Personalised Process

    We put our members first, we consider every loan application on a case-by-case basis.

  • Low Rate Loans

    Our Low Rate Home Improvement loan is available now. Also you only pay interest on the reducing balance of your loan.

  • Not a Member, No Problem!

    Join and apply for a loan same day. Joining is quick and easy. Pop into any of our branches or call 069 64444.

  • Free Loan Protection Insurance

    Should a member with an outstanding loan balance pass away or become totally and permanently disabled, the balance is repaid in full. (T & C’s apply).

What Do I Need To Apply

We aim for quick decisions. All our applications are treated confidentially and decisions are based on a member’s ability to pay, not on savings amount or membership duration.


  • 3 most recent receipts of any income you receive (payslips, social welfare, children’s allowance, pension)


  • PPSN Number


  • Self Employed: your most recent set of accounts.

Financial Statements

  • 3 most recent months of your bank statements. Your statements should show your income and any mortgage / rent or other loan payments you may have.


  • Self Employed: 6 months of your business bank statements, dated as close to your application as possible.


  • You can print your bank statements in our branches. Remember to bring your bank account login details.

Additional Information

  • Proof of Address: A utility bill or bank statement showing the address of your current residence. This must be dated within the last 6 months.


  • Photographic ID: Current Drivers Licence or Passport. We may already have these on file for you.


  • Some loans may require additional information.

Click here to read about the Central Credit Register.

Click here to read about the Payment Services Directive (PSD2).

Loan criteria, terms and conditions apply. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Rathkeale & District Credit Union Limited is regulated by the Central Bank of Ireland.