Community Credit Union
- Company typePrivate
- Founded2010
- HeadquartersClonsilla, Ireland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Community Credit Union does
Community Credit Union Ltd is a member-owned, not-for-profit financial cooperative incorporated in Ireland and regulated by the Central Bank of Ireland (Registration No. 175CU). Founded in its current form on 1 January 2010 through the merger of Clonsilla Credit Union (est. 1982) and Premier Credit Union (est. 1962), it has since absorbed West Cabra Credit Union (2015), Rowlagh Credit Union (April 2025) and Blanchardstown & District Credit Union (July 2025), now serving over 50,000 active members across Dublin 7, Dublin 15 and Dublin 22 through four physical branches (Clonsilla Road, Blanchardstown Shopping Centre, Rowlagh/Clondalkin and West Cabra).
Its core offering is a diversified retail credit union portfolio: car, home improvement, personal, education, covered share loans and variable-rate mortgages up to €500,000 (3.95% rate, 90% LTV first-time); share accounts and a 1-Year Fixed Term Deposit Account (1.50% AER); a €4/month Current Account with Visa Debit, Apple Pay and Google Pay; and bundled insurance including free Life Benefit Insurance, Loan Protection Insurance, Accidental Death & Dismemberment cover, and an optional Aviva-underwritten Member Death Benefit Indemnity at €84/year. The technology stack is a conventional digital banking platform — web portal at live.cuonline-ebanking.com, a native iOS/Android app, SEPA Instant Payments and Verification of Payee for fraud screening, integrated with payment rails Apple Pay, Google Pay and a FEXCO currency exchange partnership.
The economic model is member-funded and surplus-distributing: net interest margin on loans (APRs 7.77%-11.00%) is the primary revenue engine, supplemented by recurring current-account fees (€4/month), Members Draw subscriptions (€52/year), and Member Death Benefit Indemnity premiums (€84/year). Distribution is omnichannel via branches, phone, web and mobile, supported by community sponsorships exceeding €100,000 annually and partnerships with Peopl. Insurance and local councils (Dublin City, South Dublin, Fingal, Meath) for the Affordable Housing Scheme. There are no equity shareholders — surpluses are returned to members through rates, services and community investment.
Community Credit Union firmographics
Firmographics- Name
- Community Credit Union
- Legal name
- Community Credit Union Ltd
- Website
- https://communitycu.ie
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Community Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Unions (522130), Consumer Lending (522291)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
Keywords
Where Community Credit Union is headquartered
LocationHeadquarters
- HQ city
- Clonsilla
- HQ country
- Ireland
- HQ region
- Europe
Offices4 records
Markets served
Community Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Loan Interest Income: The primary revenue stream comes from interest charged on loans including personal loans, car loans, home improvement loans, education loans, mortgages, and covered share loans. Interest rates vary by loan type and amount, with APRs ranging from 7.77% to 11.00% depending on the product.
- Current Account Fees: Monthly maintenance fee of €4 per month for current accounts, providing a recurring revenue stream from account holders.
- Members Draw: Annual deduction of €52 from member shares to fund the monthly Members Cash Draw prize scheme.
- Fixed Term Deposit Interest Spread: 1-Year Fixed Term Deposit Account paying 1.50% AER, generating revenue through the spread between lending and deposit rates.
- Member Death Benefit Indemnity Premium: Annual fee of €84 paid by members for guaranteed €3,500 death benefit, underwritten by Aviva Life & Pensions Ireland DAC.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Car Loans under €10,000 at 10.34% APR |
| Other | Monthly | Car Loans €10,000-€25,000 at 9.34% APR |
| Other | Monthly | Car Loans over €25,000 from 7.77% APR |
| Other | Monthly | Home Improvement Loans under €10,000 at 10.43% APR |
| Other | Monthly | Home Improvement Loans €10,000-€25,000 at 9.34% APR |
| Other | Monthly | Home Improvement Loans over €25,000 at 7.77% APR |
| Other | Monthly | Personal Loans at 11.00% and 10.43% APR |
| Other | Monthly | Mortgages up to €500,000 at 3.95% variable rate |
| Subscription | Monthly | Current Account at €4 per month |
| Other | Multi-year contract | 1-Year Fixed Term Deposit at 1.50% AER |
| Subscription | Annual | Members Draw at €52 annually |
| Subscription | Annual | Member Death Benefit Indemnity at €84 annually |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
Community Credit Union product offering
Product offeringCore offering
Community Credit Union is a member-owned, not-for-profit financial cooperative serving residents and workers in Dublin 7, 15, and 22 in Ireland. It provides a comprehensive suite of retail financial products including consumer loans (car, home improvement, personal, education, and covered share loans), mortgages, current accounts, share (savings) accounts, fixed-term deposits, and member insurance benefits. The cooperative invests surpluses back into members through competitive rates, member benefits, and community programmes such as the Community Fund and George Farrell Bursary.
Product overview
Community Credit Union is a member-owned, not-for-profit financial cooperative offering a comprehensive suite of financial services. The core product portfolio includes various loan products (Car Loan, Home Improvement Loan, Personal Loan, Education Loan, Covered Share Loan, and Mortgages), deposit products (Share Accounts and 1-Year Fixed Term Deposit Account), and a Current Account with Visa Debit Card. Digital services are delivered through Online Banking and a Mobile App platform. Insurance offerings include Life Benefit Insurance, Loan Protection Insurance, Accidental Death & Dismemberment Insurance, and Member Death Benefit Indemnity. The company also provides community-focused services including the Community Fund, Members Draw, and George Farrell Bursary. Recent additions include SEPA Instant Payments and Verification of Payee services, and partnerships with FEXCO for currency exchange and Peopl. Insurance for home, travel, and life insurance products.
Differentiator
Problem solved
Functional benefit
Products and services
- Car Loan
Quantifiable outcome
- Minimum Life Benefit Insurance payout increasing from €1,000 to €2,600 from July 2026
- +3 more outcomes
Companies that use Community Credit Union
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Community Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Community Credit Union partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered minor and core.
- FEXCOminorFEXCO provides currency exchange services for Community Credit Union members. Members can order foreign currency online through FEXCO's platform and collect from any Community Credit Union branch. This partnership expands service offerings without the credit union holding currency inventory.
- Peopl. InsurancecorePeopl. Insurance is an insurance provider associated with credit unions, offering home, travel, and life insurance products. Backed by leading insurance companies including Royal London, RSA, AIG, Liberty, and Mapfre. The partnership provides members with access to fair insurance products.
- Aviva Life & Pensions Ireland DACcoreAviva provides underwriting for the Member Death Benefit Indemnity programme. This group life cover programme offers a guaranteed €3,500 payment when a covered member dies, for an annual fee of €84 paid by members.
- CMutual Services (Ireland) LtdcoreCMutual Services arranges the Member Death Benefit Indemnity programme. Regulated by Central Bank of Ireland, Reference number C33182. Registered in Ireland number 371942.
- Dublin City CouncilcoreLocal authority partner for the Affordable Housing Scheme. Dublin City Council makes newly built homes available at reduced prices for first-time and eligible buyers through the credit union mortgage application process.
- South Dublin County CouncilcoreLocal authority partner for the Affordable Housing Scheme. Contributes to expanding homeownership options for credit union members in the South Dublin area.
- Fingal County CouncilcoreLocal authority partner for the Affordable Housing Scheme, serving the Fingal area including parts of Dublin 15 and Dublin 22.
- Meath County CouncilminorLocal authority partner for the Affordable Housing Scheme, extending coverage to members with connections to County Meath.
- Cabot Financial Services IrelandminorCredit control department partner handling loan arrears management and supporting members experiencing financial difficulty. Contact via 01 8692500 option 4.
- Coolmine TC & Tolka River ProjectminorCommunity partnerships with local addiction rehabilitation centres that the credit union regularly supports through charitable donations and fundraising.
Scale indicators5 records
Recent moves10 records
Expansion highlights5 records
Community Credit Union competitors and assessment
Company assessmentDirect peers
- Permanent TSB: Irish retail bank serving consumer and SME customers with current accounts, mortgages, savings and personal loans. Directly comparable to CCU as a Dublin-focused deposit-taking lender competing for the same household financial services wallet.
- An Post (State Savings): Irish state savings product provider offering deposit accounts through the post office network. Competes with CCU for member savings and provides a similarly community-distributed retail-deposit alternative in Dublin.
- Credit Union Plus (代表性 Irish credit unions): Representative Irish credit union peer (industry body/association reference). Comparable on governance, mutual structure, Central Bank of Ireland regulation and member-owned cooperative model; the consolidation universe from which CCU's next merger candidate will likely come.
- Pepper Money Ireland: Specialist Irish consumer and mortgage lender competing in the same personal-loan and residential-mortgage segments where CCU prices at 7.77%-11.00% APR. Most direct non-bank competitor for CCU's higher-margin lending book.
Emerging players
- N26: Digital retail bank with Irish passport offering current accounts and consumer banking. Comparable to CCU on the primary-banking side and a competitive threat for younger Dublin members inside the common bond.
- Revolut Ireland: Digital challenger bank operating in Ireland with current accounts, payments and consumer credit. Targets the same Dublin retail deposits and day-to-day banking share that CCU's 2025 Current Account launch is built to defend.
- Avant Money: Irish digital consumer lender offering personal loans, mortgages and credit cards. Comparable to CCU's personal-loan (10.43%-11.00% APR) and mortgage products and an aggressive competitor for share-of-wallet inside the common bond.
Broad incumbents
- EBS (Irish Building Society): Mutual-style Irish mortgage and savings provider now owned by AIB. Comparable to CCU on the savings and mortgage side and historically similar in member/community ethos, making it a strong analogue for product and member positioning.
- Bank of Ireland: Major Irish retail and commercial bank with current accounts, mortgages, personal lending and savings products. Competes head-to-head with CCU for Dublin retail deposits and home-loan origination.
- AIB (Allied Irish Banks): Ireland's largest domestic bank offering current accounts, mortgages, personal loans and savings. Overlaps CCU's product set but at national scale; the primary incumbent competing for Dublin 7/15/22 household deposits and mortgage demand.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Community Credit Union social profiles
Digital presenceCommunity Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Community Credit Union leadership team
Management profileNumber of profiles
Profiles2 records
Community Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Community Credit Union M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Community Credit Union
What does Community Credit Union do?
Community Credit Union is a member-owned, not-for-profit financial cooperative serving residents and workers in Dublin 7, 15, and 22 in Ireland. It provides a comprehensive suite of retail financial products including consumer loans (car, home improvement, personal, education, and covered share loans), mortgages, current accounts, share (savings) accounts, fixed-term deposits, and member insurance benefits. The cooperative invests surpluses back into members through competitive rates, member benefits, and community programmes such as the Community Fund and George Farrell Bursary.
Is Community Credit Union a public or private company?
Community Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Community Credit Union founded?
Community Credit Union was founded in 2010. It employs 11 to 50 people.
Where is Community Credit Union based?
Community Credit Union is headquartered in Clonsilla, Ireland, in the Europe region.
How does Community Credit Union make money?
Five revenue lines are on record. Loan Interest Income is the primary driver. The others are current Account Fees, members Draw, fixed Term Deposit Interest Spread and member Death Benefit Indemnity Premium.
Who are Community Credit Union's main competitors?
Direct peers on record are Permanent TSB, An Post (State Savings), Credit Union Plus (代表性 Irish credit unions) and Pepper Money Ireland. Emerging players are N26, Revolut Ireland and Avant Money. Broad incumbents are EBS (Irish Building Society), Bank of Ireland and AIB (Allied Irish Banks).
Does Community Credit Union have an API?
No public API is recorded for Community Credit Union.
What industry is Community Credit Union in?
Community Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6141.