St. Raphael’s Garda Credit Union
St. Raphael's Garda Credit Union Limited is an Irish member-owned cooperative founded in 1964 that provides loans, savings, mortgages, mobile banking, and ancillary financial services exclusively to An Garda Síochána personnel and their families, operating from Dublin with over 40,000 members.
- Company typePrivate
- Founded1964
- HeadquartersDublin, Ireland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What St. Raphael’s Garda Credit Union does
St. Raphael's Garda Credit Union Limited is an Irish member-owned cooperative financial institution founded on 22 April 1964 in Dublin Castle by thirteen members of An Garda Síochána. The institution is headquartered at 1-2 Fox & Geese, Naas Road, Dublin 22, having relocated to its current purpose-built facility in June 2005, and has grown to over 40,000 members, positioning it as Ireland's largest credit union by membership. Its membership is restricted to serving personnel of An Garda Síochána and their families, including Garda students at the Templemore training college.
The credit union's product suite centres on variable-rate lending (Everyday Loan 7.85%, Car Loan 4.95%, Green Loan 3.95%, Home Improvement Loan 4.25%, Education and Student Garda Loans at 4.50%, Mortgage Clearance Loan 3.75%, and Mortgages) up to €100,000 per facility, complemented by savings products, Fixed Rate Deposits, a Budget Scheme, a €6.50/month Prize Draw subscription, and a foreign exchange service operated via partnership with FEXCO. The underlying technology is a commodity online and mobile banking stack with a built-in loan calculator supporting weekly, fortnightly, and monthly repayment frequencies, distributed through a single physical branch, a website, and a mobile app.
Commercially, St. Raphael's operates a direct-to-consumer, member-owned GTM motion that monetises primarily through interest income from loans, supplemented by recurring share-account deductions for the prize draw. Distribution is branch-based with self-serve digital overlays. The institution is regulated by the Central Bank of Ireland, is a member of the Cuso consortium of 25 credit unions controlling nearly €9 billion in assets (~40% of the Irish credit union sector), and participates in the Deposit Guarantee Scheme.
St. Raphael’s Garda Credit Union firmographics
Firmographics- Name
- St. Raphael’s Garda Credit Union
- Legal name
- St. Raphael's Garda Credit Union Limited
- Website
- https://straphaelscu.ie
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- St. Raphael's Garda Credit Union Limited is an Irish member-owned cooperative founded in 1964 that provides loans, savings, mortgages, mobile banking, and ancillary financial services exclusively to An Garda Síochána personnel and their families, operating from Dublin with over 40,000 members.
- Ownership category
- akta.pro rank
Where St. Raphael’s Garda Credit Union is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices1 record
Markets served
St. Raphael’s Garda Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Loans: Primary revenue from interest charged on various loan products including personal loans, car loans, mortgages, and education loans
- Prize Draw Subscriptions: Monthly prize draw at €6.50 per month, deducted from member share accounts
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Everyday Loan - 7.85% variable |
| Subscription | Monthly | Car Loan - 4.95% variable |
| Subscription | Monthly | Green Loan - 3.95% variable |
| Subscription | Monthly | Home Improvement Loan - 4.25% variable |
| Subscription | Monthly | Education Loan - 4.50% variable |
| Subscription | Monthly | Student Garda Loan - 4.50% variable |
| Subscription | Monthly | Mortgage Clearance Loan - 3.75% variable |
| Subscription | Monthly | Prize Draw - €6.50 per month |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
St. Raphael’s Garda Credit Union product offering
Product offeringCore offering
St. Raphael's Garda Credit Union is a member-owned cooperative financial institution that provides personal loans, car loans, green loans, home improvement loans, education loans, mortgages, and savings facilities exclusively to members of An Garda Síochána (the Irish police force) and their families. It operates a physical branch in Dublin alongside mobile and online banking platforms, and offers ancillary services including a monthly prize draw, fixed-rate deposits, a budget scheme, and foreign exchange.
Product overview
St. Raphael's Garda Credit Union offers a comprehensive suite of financial products and services primarily focused on lending and basic banking. The core product portfolio includes various loan products (Everyday Loan, Car Loan, Green Loan, Home Improvement Loan, Education Loan, Student Garda Loan, Mortgage Clearance Loan, and Mortgages) with variable interest rates ranging from 3.75% to 7.85%, along with digital banking services through Mobile Banking App and Online Banking. Additional offerings include a monthly Prize Draw, Fixed Rate Deposits, Budget Scheme, and Foreign Exchange services. The institution serves over 40,000 members and positions itself as Ireland's largest credit union, primarily serving members of An Garda Síochána and their families.
Differentiator
Problem solved
Functional benefit
Products and services
- Everyday Loan
- Car Loan
- Green Loan
- Home Improvement Loan
- Education Loan
- Student Garda Loan
- Mortgage Clearance Loan
- Mortgages
- Mobile Banking App
- Online Banking
- Prize Draw
- Fixed Rate Deposit
- Budget Scheme
- Foreign Exchange Service
Quantifiable outcome
- Members have access to loans up to €100,000 at competitive variable rates starting from 3.75%
- +1 more outcomes
Companies that use St. Raphael’s Garda Credit Union
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
St. Raphael’s Garda Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
St. Raphael’s Garda Credit Union partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
St. Raphael’s Garda Credit Union competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
St. Raphael’s Garda Credit Union social profiles
Digital presenceSt. Raphael’s Garda Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
St. Raphael’s Garda Credit Union leadership team
Management profileNumber of profiles
St. Raphael’s Garda Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
St. Raphael’s Garda Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about St. Raphael’s Garda Credit Union
What does St. Raphael’s Garda Credit Union do?
St. Raphael's Garda Credit Union is a member-owned cooperative financial institution that provides personal loans, car loans, green loans, home improvement loans, education loans, mortgages, and savings facilities exclusively to members of An Garda Síochána (the Irish police force) and their families. It operates a physical branch in Dublin alongside mobile and online banking platforms, and offers ancillary services including a monthly prize draw, fixed-rate deposits, a budget scheme, and foreign exchange.
Is St. Raphael’s Garda Credit Union a public or private company?
St. Raphael’s Garda Credit Union is a private company. It is classified as management employee owned and is currently operating.
When was St. Raphael’s Garda Credit Union founded?
St. Raphael’s Garda Credit Union was founded in 1964. It employs 11 to 50 people.
Where is St. Raphael’s Garda Credit Union based?
St. Raphael’s Garda Credit Union is headquartered in Dublin, Ireland, in the Europe region.
How does St. Raphael’s Garda Credit Union make money?
Two revenue lines are on record. Interest Income from Loans are the primary driver. The others are prize Draw Subscriptions.
Does St. Raphael’s Garda Credit Union have an API?
No public API is recorded for St. Raphael’s Garda Credit Union.