MEMBERSHIP AT MULCAIR CREDIT UNION
Membership
Mulcair Credit Union is a financial co-operative owned and controlled by its members. It is run for the benefit of its members who are connected through a common bond – an area from which Mulcair Credit Union can accept members.
The common bond of Mulcair Credit Union covers Newport and surrounding areas including Birdhill, Killoscully, Ballinahinch, Toor, Rearcross, Kilcommon, Murroe and Annaholty.
To become a member you must live or work within our common bond area. We accept new members of all ages from the surrounding areas within our common bond.
Mulcair Credit Union lets people in the local community come together to save and borrow at low rates and is operated on a not-for-profit basis with surpluses being returned to members.
How to become a member and take advantage of our products and services
To become a member simply call into any of our offices and complete a membership application form with a member of staff. Please note an account can be opened with as little as €5 euro.
What do I need to join?
By law Mulcair Credit Union requires three pieces of identification to open a new account.
- Photo I.D: a current driving license, a current passport, or a national identity card.
- Proof of address: a utility bill within the last three months (ESB, Telephone etc) or a government letter such as tax cert/letter, grant letter etc.
- PPS number (Personal Public Service Number): to verify your tax reference number we require any documentation that displays your PPS number e.g. P60, P45, pay slip, medical card, or any correspondence from the tax office.
In the case of opening a MINOR ACCOUNT for a member that is under 16 an original copy of his/her birth certification or passport and proof of PPS number is required as well as the parent/guardian photo I.D and proof of address.
Please note that only an authorised parent or guardian is entitled to make withdrawals on behalf of a minor – i.e a person under 7 years of age.
Between the minor’s 7th and 16th birthday withdrawals above €100 require the signature of both the authorised parent/guardian and the minor. A withdrawal under €100 requires either authorised parent/guardian or the minor.
Once the minor reaches their 16th birthday he/she is authorised to make withdrawals without limitation.