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FAQ FAQ

Who can join RTÉ Credit Union?

Membership is open to all permanent, continuous and contract staff of RTÉ and members of their families living in the same household; all pensioners of RTÉ and former staff contractually entitled to receive a pension from RTÉ and their families in the same household; all permanent, continuous, and contract staff and families of the following:

  • RTÉ Credit Union Limited
  • RTÉ Sports & Social Club
  • RTÉ NL
  • RTE Benevolent Society
  • Radio na Gaeltachta
  • TG4
  • Commercial Enterprises Limited

Can children join RTÉ Credit Union?

Yes, RTÉ Credit Union encourages savings from an early age.


Can I join RTÉ Credit Union even though I am a member of another Credit Union?

Yes, you can be a member of more than one Credit Union as long as you live and/or work in the common bond.


What is a Common Bond?

The Common Bond is the factor which unites the members of the Credit Union - it is what members have in common. The Common Bond ensures that the savings of members of the community or workplace are available to fellow members as loans. RTÉ Credit Union’s Common Bond is its workforce past and present and families living in the same household.


What are Shares?

Shares are savings in a Credit Union. All members must have at least €10 in shares to maintain their membership.


How much can I save in the Credit Union?

The maximum savings a member can have in RTÉ Credit Union is €250,000 between deposits and shares.


Do I get a return on my Shares?

Yes. Every Share you get with RTÉ Credit Union for the year is eligible for a dividend when declared. A dividend is a surplus distributed to members. The rate of the dividend can vary but generally it has represented excellent value for members for their investment in the Credit Union.

Over the last years the Dividend / deposit / interest rebate returned to members is as follows:

Year Dividend Deposit Interest
2008/2009 2.00% 2.25% + 0.25% Bonus
2009/2010 1.75% 2.00% + 0.25% Bonus
2010/2011 1.50% 2.00% + 0.25% Bonus
2011/2012 1.50% 2.25%
2012/2013 1.50% 2.25%
2013/2014 1.75% 1.50%



Can I withdraw my savings at any time?

You may withdraw your savings at any time, unless they are pledged as security against a loan taken out. We encourage members to take a loan and keep their savings intact.


Are my savings secure?

Credit Union members can rest easy in the assurance that their savings are safe and are secured in several ways.

  • All officials of Credit Unions, whether volunteers or staff, must be Fidelity Bonded.
  • Savings accrued between the ages of 6 months and 55 years carry a mortality insurance of 100%.

The level of cover on new savings decreases after the members 56th birthday and is applied as follows:

75% cover on monies saved between the age of 56 and 59
50% cover on monies saved between the age of 60 and 64
25% cover on monies saved between the age of 65 and 70
No cover for monies saved after a member’s 70th birthday
(All the above are subject to a maximum limit of €12,700)

  • All monies received in Credit Unions are properly recorded and lodged regularly
  • Full financial statements are prepared and can be reviewed by members

How do I register for a PIN?

On the website homepage click ‘Register for Access’ in the top right corner and enter the required details. A unique PIN number will be posted to you. Please note that your details on our system must match the details you enter of your PIN i.e. member number, email address etc.


How long do I have to be a member before I can apply for a loan?

A first loan shall be considered after 13 weeks regular savings in your account. For more information on loans and all our loan packages, please click here.


New website – I already have a PIN. Do I need to register again?

No. You can log on as you always do with the same PIN you always used except now you will have access to more! On the website homepage click ‘Member Login Account’ in the top right corner.


When is the Annual General Meeting (AGM)?

The AGM is usually the first week of December every year. Check the website closer to the time for confirmation of the exact date.


When is the Annual Report available?

The Annual Report is usually available to members one week before the AGM. Check the website for news and updates.

Find Us here:
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  • RTÉ Credit Union Limited
  • Tel: 01 208 2628
  • Fax: 01 208 2128
  • Email: info@rtecu.ie
  • Web: www.rtecu.ie
Regulated by the Central Bank of Ireland. Reg. No. 60CU