Become a Member

Joining DCUL is possibly one of the best decisions a person could take. In order to become a member, you will need to fill in a Membership Application Form at the counter and you must have the any one of  the  following original documents  with you , which will be photocopied, stamped as original  and returned to you:

For verification of ID ( any 1 of the following):

• Valid Irish or other State Passport;
• Valid Irish or other State Driver’s  Licence with photo; 
• National Identity Card  ( of a Foreign Country );
• Signed Garda  ML10 with photo attached; 
• Public Service  Card; 
• Birth Certificate in the case of a minor – a person below 7 years old.

In exceptional circumstances ( in cases where the above could not be reasonably expected) ,  the following may be considered:

• Government department correspondence with PPSN recorded 
• Instrument of a court appointment (such as liquidator or grant of probate)
• Identification verification (in writing, signed and on headed paper) from a reputable 3rd party; i.e., employer, school, college, money advisor, solicitor, priest, care-home or shelter manager, probation officer, government office or local authority official
• Pension travel pass or social welfare card issued by  the Department of Social Protection
• Garda National Immigration Bureau (GNIB) Card

Note: All documents  must be original and valid. Student Cards , Travel Passes and Work IDs are unacceptable as  proof of identity. 

In the case of accounts being opened on behalf of minors ie persons below seven years of age  the POI of the account beneficiary ie the parent or guardian or third party opening the account  must be sought along with the minor’s Birth Cert or Passport .

A  person opening an account on  behalf of a minor must have the  defacto  consent of the parent or legal guardian  to do so as their POA  and POI are required if not already members and where such information is not on file.

The attention of a third party opening an account on behalf of a minor should be drawn to the fact that they can only make lodgements to the minor’s  account and that on reaching the age of seven or where the child can make receipts that the minor  assumes full control of the account at this time unless opened in joint name.

For proof of  address ( any 1 of the following):

• Correspondence from the  Revenue Commissioners or  Department of Social Protection ; 
• Correspondence from  a Local Authority;
• Bank Account Statement, e.g. bank, credit union, building society, credit card company;
• Utility bill, e.g. telephone (including mobile), Electric, Gas, Cable TV;
• Home , Motor  or Health  Insurance correspondence;
• Any other standard ID documents  which contains a current address  and is not  being used to verify name.

In exceptional circumstances and only in cases where the above could not be reasonably expected the following may be considered: 

• Address verification (in writing, signed and on headed paper) from a reputable 3rd party; i.e., employer, school, college, money advisor, solicitor, priest, care-home or shelter manager, probation officer, government office or local authority official
• Search of a commercial agency which can confirm address
• Examination of a local telephone directory or available street directory 

Note: All documents must be original and not more than 6 months old – ideally 3 months .

In the case of accounts opened on behalf of minors, where there may not be documentation directly in their name , reliance on the POA of the parent or guardian will be made where such documentation and the minor’s birth certificate links them by  name. In cases where this link is unclear through name change at either end, address may be verified for the minor by  seeking  written confirmation from a local  school or parish record authenticated on headed paper as outline above.

The membership process takes approx. 5 minutes and involves the prospective member nominating an individual in the case of their death as well as lodging the minimum shareholding of €10 and an entrance fee of €1. No further savings are encouraged until the membership is formally ratified by the Membership Committee on behalf of the Board of DCUL at its next meeting. New members are encouraged to maintain their shareholding above €130 in order to qualify for Death Benefit insurance, which is currently €1,300. T and C’s apply.

Benefits of Membership

Membership has many benefits including access to:

Loans at competitive rates

Members can apply for a loan three (3) months after joining. Repayments can be tailor-made weekly, fortnightly or monthly All our loans are fully insured (for free) against disability or death.

Attractive dividends on Shares

Each year DCUL pays a dividend on members shares, which are covered by the Deposit Guarantee Scheme up to €100,000 and also are also part of the Life Savings Scheme, offering an additional payment up to €7,700.

Quality Service with No Fees

Members do not pay any transaction fees or charges for borrowing money or early repayment of loans.

Payment by Standing Orders

Members can arrange a Standing Order payment from their bank to ensure regular payments to their credit union account. Statements can be ordered or line and balances viewed on-line also or accessed through the 24 Hour automated Account Balance Enquiry. The details are as follows: Danske Bank -IBAN: 97DABA95151111235427 and BIC : DABAIE2D , quoting  Member Number and Address  in the Reference Field 

Member Services
Members can avail of a range of additional services. See our Available Services page for more details.