Membership
Become A Member
With advanced biometric facial verification, and the ability to submit proof of ID, we're offering you a safe and reliable way to become a member.
BENEFITS OF MEMBERSHIP
Join us and benefit from our many loans and services available
Access our wide range of
online services.
No hidden fees.
Become a part-owner of
a financial co-operative.
Bank on-the-go with our
Mobile App.
Enjoy great value loan rates.
Avail of free-to-member
Loan Protection Insurance.
No charges for early repayments of loans
Avail of free-to-member
Life Saving Protection Insurance.
For more information about our Life Savings Insurance and FREE Loan protection visit our insurance page Inishowen Credit Union | Insurance
Become A Member
Download the appropriate form from the drop-down below and hand in to one of our offices
Which membership form would you like to download?
Savings Limits
Adult Members
- Maximum Savings per adult member of €30,000
- Maximum monthly lodgement per adult member of €4,000
Junior Members
- Maximum Savings per juvenile member of €7,500
- Current maximum monthly lodgement per Junior member of €1,000
Joint Members
- Maximum Savings per Joint member of €30,000
- Maximum monthly lodgement per Joint member of €4,000
What paperwork do I need?
Photo ID
In the form of a Valid Passport, Driving Licence or EU National ID card.
Proof of Address
Insurance documentation, Bank Statement or Correspondence from a Government Department.
Supporting Members to Make Their Own Decisions
What this means in Practice
Old System
- The credit union decided what to do with the member’s money when the member couldn’t.
- “Mentally incapable” label
- Informal payout
- Limited oversight
- Institution-centred
New System
- Credit unions can no longer make decisions on a member's behalf without proper legal authority
- Functional, decision-specific capacity
- Formal legal authority require
- Strong regulations & safeguards
- Person-centred
To learn more, please visit https://www.decisionsupportservice.ie/
Email: queries@decisionsupportservice.ie
Freephone +353 (01) 211 9750
The Assisted Decision-Making (Capacity) Act of 2015 and the Assisted Decision-Making (Capacity) (Amendment) Act 2022
The Decision Support Service is a new service for all adults who have difficulties with their decision-making capacity. The Decision Support Service is a public body established within the Mental Health Commission by the Assisted Decision-Making (Capacity) Act 2015.
Supporting Members to Make Their Own Decisions
The rules around decision-making have changed. Under the Assisted Decision-Making (Capacity) Act 2015 (commenced 2023), all members are supported to make their own financial and personal decisions wherever possible.
- Everyone is assumed to be able to make their own decisions
- Some members may need support, depending on the decision
- Support is provided before anyone else can make decisions for them
- Different types of support are available, from assistance to full representation as a last resort
- The person’s will and preferences must always be respected
- The system is overseen by the Decision Support Service
Still have questions?
Still have a question about membership? See if it's answered here in our frequently asked questions.
You are eligible to become a member of Inishowen Credit Union if you work or live within our common bond. Our common bond includes the whole of the Inishowen Peninsula.
To become a member of Inishowen Credit Union simply complete a membership form and return it to the office with the below supporting documentation. (Membership forms are available from our Buncrana, Carndonagh or Moville office).
Or simply download the Inishowen Credit Union app to open your account online.
Single/Joint Account
Current photo ID (one of the following documents): Photo Passport, Driving Licence, National Identity Card, Form ML10.
Proof of address (one of the following documents which must be dated within the last six months): Utility Bill/Bank Statement/Local Authority Document/Government Department letter
For those living outside the common bond but working within it, proof of employment is required (a letter from your employer or a work contract).
Minor Account
A junior account is for any member under 16 years of age.
An account may be opened for a child by parent/guardian however, ID documents are required for the child’s parent/legal guardian as stated above for Single Accounts.
The child’s birth certificate or passport are also required.
Club/Society/Company Account
Club/Society officials or Directors must live or work within our common bond.
We require documentation as outlined above for Single Accounts for at least two of the elected officials of the club/society officials or directors. We also require documentation on the purpose of the club/society/company.
Please speak to a member of staff for more information if you wish to open a club/society/company account.
The Mission of the Credit Union is to promote the financial well being of its members. To achieve this purpose the Credit Union is committed to providing a range of financial products supported by the excellent service of a dedicated and professional staff. These services will be administered in accordance with sound management practices to maintain the financial strength of the Credit Union. The Board of Directors, Management and Staff of the Credit Union hereby affirm that the efforts of the Credit Union will be consistently and professionally dedicated to the accomplishment of this mission.
You can be a member at any age.
Junior accounts (under 16) will be opened under a parent/guardian.
Once the member turns 16 they will be classed as an adult member and will need to update their account.
Yes we also offer joint accounts, these accounts can not be opened online, these type of accounts will need to be opened in branch.
