Members can take out flexible loans and repay at tailor-made schedules. Loans are also insured for some members at no extra cost (t&c's apply)
We have a wide range of offers available for all of our members including fuel cards and reduced rate international calls.
Internet and Phone Banking
Check you balances, receive share updates and transfer funds between accounts.
Every year, an interest rebate is calculated on our Everyday Loan, which means we refund you a percentage of the interest you paid throughout the year.
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.
Unlike many banks, St. Raphael's welcomes our members into the branch where you'll be greeted by people instead of machines.
Dividend on Savings
We pay an attractive dividend on members’ savings annually, which are also placed in our Life Insurance scheme, offering a free insurance system on your savings.
Not for profit
St. Raphael's is owned by you and governed by a volunteer board, elected by members.
Frequently asked questions
Can I open an account for a child?
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.
What is the Common Bond
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
Civilian staff of An Garda Síochána (see full definition below)
Employees of St Raphael’s Garda Credit Union
And family members for all the above that reside at the same address.
Where can I submit my application
Drop it into the branch or free post your application form to :
Membership Committee St Raphael’s Garda Credit Union FREEPOST DN7079 1 – 2 Fox & Geese Naas Road Dublin 22