Become a member

Join Ireland’s Largest Credit Union

Garda Hat

Who Can Join?

Members of An Garda Síochána

Garda Staff & Reserves

Retired Members of An Garda Síochána

Family Members of Gardaí & Garda Staff

NOTE: Family member must be a living in the same household.

What You Need To Join

Requirements for joining depend on whether you are applying for general membership or on behalf of a minor (under 16). 

General Membership

Over 16's only

Photo ID

  • Certified copy of passport or driving licence

Proof of Address

  • Original or Certified copy of utility bill/bank statement/mobile phone bills. (less than 6 months old)

Proof of PPSN

  • Certified copy of drugs payment card, E111/EHIC, Tax Credit Cert, P60, Payslip etc. (public service card not accepted 

Minor Membership

Under 16's only


  • Certified copy of birth certificate
  • Proof of address (if different from signatory)
  • PPS No. verification


  • Photo ID
  • Proof of Address

Authorised Signatory(s)

  • Photo ID
  • Proof of Address 

Relevant Documention

Benefits of Joining

Low Interest Rate Loans

Members can take out flexible loans and repay at any time with no early redemption fees. Loans are also insured for some members at no extra cost (t&c's apply)

Special Offers

We have a wide range of offers available for all of our members including fuel cards and reduced rate international calls.

Online Banking

Check you balances, receive share updates and transfer funds between accounts.

Electronic Fund Transfer

Members can avail of our EFT service to transfer funds to their bank accounts. Transfers done before 11.30am, will arrive in their account on the same day at 4pm.

Quality Service

Unlike many banks, St. Raphael's welcomes our members into the branch where you'll be greeted by people instead of machines.

Not for profit

St. Raphael's is owned by you and governed by a volunteer board, elected by members.

Frequently Asked Questions

Yes – your children are entitled to join the credit union if they fall within our common bond. We welcome all your family members and encourage all our younger members to open an account and avail of the many benefits on offer. Please provide a birth certificate or a passport along with their PPS number for every child. Please note that we will also need photographic ID and address verification for the parent/guardian opening the account.

The common bond is the factor which unites all the members of our credit union – it is what we all have in common. Our common bond covers:

  • Members of An Garda Síochána
  • Garda Staff & Garda Reserves
  • Employees of St Raphael’s Garda Credit Union
  • And family members for all the above that reside at the same address.

Drop it into the branch or free post your application form to : 

Membership Committee
St Raphael’s Garda Credit Union
1 – 2 Fox & Geese
Naas Road
Dublin 22