ProEnergy Loans

Pro Energy Homes is a unique credit union initiative supported by the Sustainable Energy Authority of Ireland (SEAI) in association with Retrofit Energy Ireland Ltd. (REIL).  We’re here to make warmer, healthier, energy-efficient homes more affordable. Find out more...   Read More »

Do you have a Communion or Confirmation coming up?

It’s hard to believe Communion and Confirmation time is here again! Financially, the rising cost of clothes, hotels and entertainment for the big day can put significant financial strain on parents attempting to finance their children’s First Holy Communion or Confirmation.

€1,000 can cost as little as €24.43 per week*

It all adds up!!!
  • Clothing
  • Entertainment
  • Presents
  • Food
Try our Loan Calculator  
* A variable interest loan rate of 11.95%, an APR of 12.68%,; 52 weekly repayments, the total amount payable by the member will be €1,061.95.  Loans are subject to approval. Terms &a Read More »

Member Survey

Dear Members, We value your feedback, suggestions and comments.  Please help us improve our services by completing our short survey.  Completed forms will be entered into a draw for a €100 Gift Card.  Survey Thanks for your help The Board of Directors Read More »

Three quarters of borrowers will choose a credit union loan in 2019

A new, national survey has revealed that the vast majority of people who plan on borrowing money in 2019 will go to a credit union. The study of borrowing habits among 1,000 adults in Ireland found that one in four plan on borrowing money this year. 74% of these will go to the credit union. Banks were in second place as the lender of choice, but came in far behind the credit union at just 17%. Of those planning to borrow, more than a third will take out a car loan. A quarter will take on a home loan, while 16% will borrow to go on holiday or travel. 9% will borrow to fund third level education and 5% will borrow for their wedding. Borrowers will take out an average loan of €8,558. The majority (42%) plan on paying the money back over 3 to 5 years. Commenting on the results, Michael Duffy (Chairman) St. Columba’s Credit Union said: “It’s encouraging that people are taking a prudent approach to borrowing in the year ahead, despite the healthy recovery in the economy. Of those who Read More »

New, national survey shows one in four plan to borrow in 2019

  • A quarter of consumers plan on borrowing money in 2019
  • They will borrow an average of €8,558
  • Affordability of monthly repayments stands out as the deciding factor in their choice of lender
  • Half of adults surveyed however, say they would be reluctant to borrow from a financial institution this year
  • 36% of adults will carry debt into 2019 – the majority from a personal loan
The findings were revealed in a new, national survey of borrowing and debt trends among 1,000 adults in Ireland. The survey was commissioned by the Irish League of Credit Unions and carried out by i-Reach Insights in December 2018.


The findings revealed that one in four adults plan on borrowing money to fund a major expense in 2019. More than a third of these borrowers will take out a car loan. Just over a quarter (26%) will take on a home loan while 16% will borrow to go on holiday or travel. 9% w Read More »

Why a credit union car loan is better than a PCP for 2019

Close to four in ten consumers in Ireland will buy a new car in 2019. Over half plan to spend more than €10,000 on their new set of wheels, according to the most recent Carzone Motoring Report (2018). The study also found that one in four consumers who spent between €10,000 and €20,000 on their previous car, used a credit union car loan to fund the purchase.* Credit union loans have always been popular amongst car buyers for their straightforward terms and conditions and flexibility, and look set to be a top choice again in 2019. Indeed, credit unions, such as St. Columba’s Credit Union, are reporting an increase in car loan queries from their members. Michael Duffy, Chairman of St. Columba’s Credit Union explains why he/she feels there has been a renewed interest in the traditional car loan.  “A credit union loan is transparent and carries no hidden fees or charges. The buyer owns the car outright once they buy it, while with other more complex finance option Read More »

Christmas Colouring Competition

The Christmas Lights will be switched on in Galway City Friday November 16th.  St. Columba’s Credit Union and St. Anthony’s & Claddagh Credit Union have two Golden tickets to get on board the Christmas Train on that night.  The train will have some very special guests on board including the man himself, Santa Claus.  Please return your competed entry to any of our branches before 1pm on Thursday 15th November.   Rules: Print off the Entry Form Return completed entries to any of Read More »

St. Columba's Credit Union
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