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Membership

Joining St Raphael’s Garda Credit Union Ltd is the best decision you could take for your money. St Raphael’s Garda Credit Union Ltd allows people in the Garda community come together to save and borrow money at low rates, and is operated on a not-for-profit basis, with surpluses being returned to members.

 

What do I need to open an account?

1. Application Form

Garda, Garda Reserve or Family member, Garda Civilian Staff (Over 16):
Membership Application Form

Minors Account (Under 16 only):
Minors Membership Application Form


 

2. Regulatory Requirements 

1. Evidence of identification (Certified Copy): 

Passport OR Driving Licence

2. Proof of Current Address (Certified Copy):
(must be issued within the last 6 months)

Household Utility Bill OR Bank/Credit Card statement OR Car/Home Insurance Cert

3. Proof of PPSN

P60/Tax Credit Cert. OR Social Welfare documents OR Payslip

Public service card not accepted

 

For Minor Accounts:

Applicant/Minor:

Birth Certificate/Passport

Proof of Address (if different from signatory)

PPS Number Verification

Introducer:

Photo Identification

Proof of Address (see examples above)

Authorised Signatory(s)

Photo Identification

Proof of Address (see examples above)

 

Please see the  Deposit Guarantee Scheme Information Sheet,  Data Privacy Notice and European Communities (Payment Services) Regulation 2018 for more information regarding your account.

 

Documents can be certified by the following:

An Garda Síochána, practising chartered or certified public accountant, notaries public/practising solicitor, regulated financial institution, Justice of the Peace, Commissioner for oaths, medical professional.

 

Feel free to drop into our offices with the completed documentation or alternatively, you can return the completed forms and documentation FREEPOST to the following address

St Raphael’s Garda Credit Union
FREEPOST DN7079
1 – 2 Fox & Geese
Naas Road
Dublin 22

 

 

Membership has many Benefits

Flexible & Convenient Loans
Members can take out flexible loans 3 months after joining, and repay at tailor-made schedules. All our loans are fully insured against death (subject to terms and conditions) .

 

Electronic Fund Transfer
Members can avail of our EFT service to transfer funds to their bank accounts. If the transfer is done before 11.30am, the funds will arrive in your account on the same day at 4pm. If the transfer is done before 3.30pm, the funds will arrive in your account on the next working day at 7am. Once the funds reach your bank account they are cleared and ready for use. It is a quick and easy way to access your funds.

 

Dividend on Savings
Every year we pay an attractive dividend on members’ savings, which are also placed in our Life Insurance scheme, offering a free insurance system on your savings.

 

Quality Service
You can be assured of a professional service from St Raphael’s Garda Credit Union at all times. And you do not pay a transaction fee for saving with us, or borrowing money.

 

Pay by Direct Debit
Arrange a Direct Debit payment from your bank and be sure of regular payments to your Credit Union account. We will send you a statement showing all transactions.

 

Member Services
Take advantage of a host of additional member services available. Ask any staff member for more details about joining the Credit Union, see under Special Offers list of available offers/features available by St. Raphael’s for all our members, you can obtain more information on some of these throughout our website.