St Francis Credit Union Ltd. is regulated by the Central Bank of Ireland.
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1 St Francis Credit Union Ltd. is regulated by the Central Bank of Ireland. WELCOME PACK
2 OPENING HOURS Ennis Clarecastle Monday Tuesday Wednesday Thursday Friday Saturday OPEN CLOSE OPEN CLOSE OPEN CLOSE OPEN CLOSE OPEN CLOSE OPEN CLOSE Kilmihil Kildysart Lissycasey Newmarket -On-Fergus WELCOME Dear Member, We are delighted that you have applied for membership of St. Francis Credit Union. The final step in the membership process will be the approval of your application by the Board of Directors at the monthly Board meeting. At St. Francis Credit Union Limited our main office is located at Friars Walk, Ennis and we now have 7 branch offices throughout Co. Clare. The service to our members is our primary concern and is evolving on a constant basis. This welcome pack outlines the services which we currently provide. All of our services are provided exclusively to our members. If you have any queries or questions please do not hesitate to contact a member of staff in any of our offices: On a personal note I would like to thank you for joining St. Francis Credit Union Limited and we look forward to a long and mutually beneficial relationship over many years. Yours faithfully, Welcome Sixmilebridge Tulla * LOUIS FAY CEO * closed for lunch info@stfranciscu.ie
3 HOME IMPROVEMENT LOANS Loans WEEKLY REPAYMENT ,000 BORROWED OVER YEARS COST OF CREDIT,43.77 RATE APR.% *Loan Table Figures may vary. Figures based on 60 Repayments. Terms & Conditions Apply. All Loans Subject to Approval NOW AVAILABLE YOUR DREAM OUR DREAM WARNING: 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. If you do not keep up your repayments you may lose your home. Approval is subject to underwriting and satisfactory repayment capacity. Terms and Conditions Apply
4 MOTOR LOANS WEEKLY REPAYMENT 46.,000 BORROWED OVER YEARS COST OF CREDIT,99.00 RATE APR 7.78% *Loan Table Figures may vary. Figures based on 60 Repayments. Terms & Conditions Apply. All Loans Subject to Approval E-SERVICES ONLINE & MOBILE What are our E-Services? E-Services at St. Francis Credit Union is a brand new and free package that allows members to take control of their finances like never before. Each member account now has its own unique BIC/IBAN. ADVANTAGES FOR MEMBERS 3 Save time and money 3 Access to more ways to manage your account 3 Manage your finances online, anywhere, anytime 3 Quick and easy to sign up and use 3 Dedicated E-Service advisors will help you select and use features that suit your lifestyle 3 Receive electronic payments directly into your Credit Union account 3 Apply online for a range of Credit Union services such as applying for a loan info@stfranciscu.ie Register online for your PIN today to access Online & Mobile App Banking Services
5 St. Francis Credit Union Limited provides a list of additional services to complement our primary services of loans and savings. Online Banking Internal & External Transfers Check Balances Pay a Bill Log on to to request a Pin (Pin will be posted out to home address). BIC / IBAN St. Francis Credit Union is an associate member of an electronic clearing company and we have access to the domestic EFT clearing system. This allows our member to transfer in / out directly to / from your Credit Union account. Each account has their own unique BIC & IBAN. Insurance As a member of St. Francis Credit Union we can offer you a competitive house insurance product through our partnership with Allianz. You may also be eligible for a % discount off the cost of any AXA Insurance private motor policy (new or renewal). All you need is proof of membership. Drop into your local AXA Branch at 64 Parnell Street, Ennis or phone (06) FEXCO Bureau de Change In conjunction with FEXCO, we can supply you with all your foreign currency requirements at a very competitive rate. Diect Debit Direct Debits can be set up in St. Francis Credit Union by simply completing a direct debit authorisation form. A direct debit can be used to save and / or to pay off a loan if you have an account with a bank or other financial institution. We highly recommend members who have their wages paid directly to a bank account to set up a direct debit to pay their loan repayments. This will eliminate the effort of visiting one of our offices every week, fortnight or month. St. Francis Credit Union Limited provides this service to our members free of charge. However, your bank may impose a small charge. Paypoint Bill Pay We collect payments on behalf of Ireland s biggest bill issuing companies including Bord Gais, Electric Ireland, Airtricity, Vodafone Mobile Bill, (IE) Eir, Virgin Media, Property Tax, Irish Water. As well as paying your bills members can also top up mobile phones. Payroll Deduction Part or all of your earnings can be transferred to your Credit Union on a regular basis either to save, pay off a loan, or ready for you to withdraw. Financial Advice Have you a problem with money management or fily budgeting? Have you goods on hire purchase? Have you borrowed from money lenders? We want to help. We have the knowledge and the experience to be of real assistance to you. We work in conjunction with MABS (Money Advice and Budgeting Service to help you get back on track. QUARTERLY CASH DRAW MEMBERS NON PROFIT MAKING DRAW Join our Members Cash Draw and you have an excellent chance of being a lucky prizewinner Ne: Address: CU Membership Number: Signature: Date: / / I agree to be bound by the Rules of the Draw as outlined on the reverse and authorise you to deduct the entry fee from my share account. I included in the draw until I notify the Credit Union otherwise info@stfranciscu.ie This form needs only to be completed once to be included in the Cash Draw, you are automatically entered into subsequent draws. Terms & Conditions Apply. Cash Draw
6 DRAW - RULES & CONDITIONS. These terms and conditions are valid from February 07. The draw takes place quarterly until the Board of Directors decide otherwise. These draws take place in March, June, September and December and are held in our Ennis office.. The entrance fee of 36 per annum per member will be deducted in advance from savings or as defined from time to time by the Board of Directors. 3. Participation in the draw is limited to eligible members of St Francis Credit Union Limited and they must be over 8 years on or before the draw date. 4. Winning members will be notified personally.. All draws are computer generated and independently verified. 6. Entry will be limited to ONE person per account. 7. A register of entrants will be maintained at the Credit Union offices. 8. Membership of the draw must be completed prior to participation and no entry is valid unless full fees are paid and credited in advance. 9. Financial accounts at each year end will be audited by the auditor and presented at the A.G.M.. The draw will be non-profit making and any surplus funds will be disposed of by way of extra draws or extra cash prizes.. Only one prize per member per draw is permitted.. All eligible members can elect to participate in the draw ONLY if the written authorisation is received or delivered to the Credit Union offices at commencement stage OR any time the Board deem appropriate. Members who do not wish to remain in the draw must notify the Credit Union in writing of their intention. 3. In the event that the winning member is a person who is in arrears or in default in carrying out any financial commitment or obligation to the Credit Union, the Board of Directors may make a decision to withhold delivery of the cash won by the member until all arrears of such member have been repaid or the default has been rectified. Such decision of the Board of Directors will be notified in writing to such member and if within seven days of the member being notified, he has failed to comply with the requirements of the Board of Directors in relation to such arrears or default, they shall be entitled to use the winnings and pay over to the winning member the net proceeds after deducting any such arrears or paying any monies required to remedy such default. Notice of the Boards decision can be delivered to the member personally or by posting se to him/ her by post in which case the date of receipt will be deemed to be two working days after the date of posting. 4. The decision of the Board of Directors of St Francis Credit Union Limited concerning the foregoing rules or any matter arising from the quarterly draw will be final and not subject to appeal.. By signing the Application Form for the Credit Union Cash Draw you are giving your consent to the collection, processing and retention of your personal data by St. Francis Credit Union Limited for the purposes of the operation and processing of the Credit Union Cash Draw in accordance with the terms of the Data Protection Acts, 988 and the Data Protection (Amendment) Act, 003 (hereinafter referred to as the Acts ). You confirm that you understand that St. Francis Credit Union will collect, process and retain your personal data (as defined in the Acts) in order to process your application for the Credit Union Cash Draw and in order to continue the provision of this service to you. 6. Staff and volunteers including directors are eligible to enter the draw. To ensure transparency the draw will be supervised by a member of the Board Oversight Committee. 7. Winners will be contacted by telephone and in writing Once the cash draw application form is completed, the details are recorded on the credit unions computer system INSURANCES Free Life Savings Insurance This insurance is based on members savings. The maximum ount insured is,00 per member. There is no direct cost to the member for this service. For joint accounts only the first ned member is covered. The insurance cover is based on a percentage of savings made and not withdrawn as follows: Savings before age 0% Savings before age 60 7% Savings before age 6 0% Savings before age 70 % It is a benefit unique to Credit Union members. ELIGIBILITY MEMBERS MUST: 3 Have joined the Credit Union before age 70 3 Be able to perform the normal duties of their occupation or be in good health and Remain a member of the Credit Union. SAVINGS COVER LIMIT All St. Francis Credit Union s member shares are insured up to a maximum of,00 per account. EFFECT OF WITHDRAWALS 3 Withdrawals have a negative impact on life savings benefit as the claim is based on the lowest share ount after the age of 3 Amounts lodged after age 70 are not insured. Loan Protection Insurance Loan Protection Insurance is the insurance cover the Credit Union provides on the lives of it s borrowing members. Should an insured borrower die the outstanding loan balance will be cleared by the insurance, subject to certain maximum limits and conditions. Loan Insurance Cover ceases on the member s 8th birthday. Both ned in a joint account are covered for Loan Protection Insurance. All members are automatically covered for Loan Protection Insurance up to 8,000, regardless of the state of their health. For cover in excess of 8,000, the member must be fit to follow their normal occupation or duties at the time of taking out a loan. All members will be asked if they are in good health at the time of taking a loan and in certain circumstances a Declaration of Health may need to be completed. Loans to clubs or societies are not insured. Death Benefit Insurance The Death grant of,300 is paid on the death of qualifying members. 3 A death certificate must be provided to St. Francis Credit Union Limited in order to claim the death grant. 3 To qualify for the death grant a minimum of must be in the account at date of death. 3 The first ned only in a joint account is eligible for the death grant cover. 3 The account must be opened before 70 years of age. 3 Actively working or, if not working, in good health on joining the Credit Union. Repayment Protection Insurance Repayment Protection Insurance is a policy which meets the members loan repayments for a specified period of time if the member is forced out of work by any of the events listed next: 3 Accident 3 Sickness 3 Critical Illness 3 Redundancy 3 Business Failure (Self Employed Only) Terms and conditions apply to all features mentioned. For more information, please contact a member of staff at St. Francis Credit Union Limited info@stfranciscu.ie Insurances
7 DO YOU KNOW... YOUR credit union has the following ATM - Mobile App - Online Access - Quick Lodge - Foreign Exchange - 8 Offices in Co. Clare - Late Friday Night Opening - Saturday Opening - Flexible Loan Repayments - Bill Pay/Mobile Top Up - Free Life Savings and Loan - Protection Insurance - Death Benefit Insurance - Insurance Discounts - Free Transactions - 3,000 MEMBERS 4,00 LOANS TO MEMBERS 38 MILLION OUT IN LOANS MILLION IN SAVINGS Call in and see how you can benefit info@stfranciscu.ie
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