Roscrea Credit Unon Ltd

What Roscrea Credit Unon Ltd does

Roscrea Credit Union Ltd, trading as Premier Credit Union, is an Irish member-owned financial cooperative regulated by the Central Bank of Ireland (Reg No. 192CU). It operates five branches across counties Tipperary and Kilkenny — Thurles (headquarters), Roscrea, Urlingford, Killenaule, and Borrisokane — serving local communities with a comprehensive suite of retail banking products. Core offerings span ten loan products (standard personal loans at 12.68% APR, car, student, agricultural, home improvement, green-energy, first-time-borrower, secured-by-shares, transfer/balance-consolidation loans, and residential mortgages launched in 2024) alongside savings accounts, foreign exchange, SEPA instant payments, mobile and online banking, and insurance distribution. The institution employs six staff in total, indicating a small balance sheet typical of rural Irish community credit unions.

The credit union generates revenue primarily through interest income on its loan book, supplemented by referral commissions from insurance (Allianz p.l.c.) and financial planning (Irish Life Financial Services) partners. Technology infrastructure includes a mobile banking app with biometric facial verification for new-member onboarding, Open Banking connectivity, and SEPA instant payments delivered through a regulated Payment Services Delivery Framework. Distribution combines a five-branch physical network with self-service digital channels (mobile app and secure online portal), and the marketing footprint is anchored in community sponsorship (notably as main sponsor of Tipperary Fleadh Cheoil 2026) and organic social media.

Operationally, Premier is in active merger discussions with Borrisokane Credit Union (announced January 2026), which would expand the branch network and member base. The institution operates on a mutual basis — owned by members rather than external shareholders, governed by a volunteer board — with no disclosed funding rounds, no parent company, and no published revenue or asset figures. The previously used Roscrea Credit Union brand continues to surface in legacy imagery and URLs.

Name

Roscrea Credit Unon Ltd

Legal name

Premier Credit Union Ltd

Website

https://roscreacu.ie

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Roscrea Credit Union Ltd, trading as Premier Credit Union, is a six-employee Irish community credit union operating five branches across Tipperary and Kilkenny. It serves local members with personal, agricultural, and mortgage loans, savings, insurance, and digital banking.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union Services)

NAICS

Credit Unions (522130), Credit Unions (52213)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending
• Credit union services
• Savings accounts
• Community banking

Headquarters

HQ city

Thurles

HQ country

Ireland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Loan Interest Income: Credit union earns interest income on various loan products including standard loans, car loans, student loans, home improvement loans, agricultural loans, and mortgages. Interest rates are regulated and competitive.
2. Insurance Commission: Partnership with Allianz for car, home and pet insurance generates commission income. Also offers loan and savings insurance products.
3. Financial Planning Services: Partnership with Irish Life Financial Services for financial planning offerings, generating referral or commission revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Premier Credit Union is a member-owned credit union that provides personal banking services to local community members, including a broad range of loan products (standard, car, student, agricultural, home improvement, green energy, first-time borrower, shares-secured, transfer, and mortgages), savings and share accounts, insurance (car, home, pet, loan, and savings), foreign exchange, mobile and online banking, SEPA Instant Payments, Open Banking, and financial planning referrals.

Product overview

Premier Credit Union operates as a multi-service financial institution offering a comprehensive suite of loan products (Standard Loan, Special Car Loan, Student Loan, Cultivate Agri Loan, Home Improvement Loan, Greenify/Green Energy Loan, First Time Borrower Loan, Secured by Shares Loan, Transfer Loan, and Credit Union Mortgages), digital banking services (Mobile Banking App with online account access), insurance products (Car/Home/Pet Insurance via Allianz partnership, Loan & Savings Insurance), savings products, foreign exchange, eStatements, and financial planning services through Irish Life. The institution serves communities in Thurles, Roscrea, Killenaule, Urlingford, and Borrisokane with both physical branch locations and digital banking channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Standard Loan General purpose personal loan product offered to credit union members at a 12.68% APR, with flexible repayment options (weekly, fortnightly, monthly) for personal financing needs.
• Special Car Loan Specialized vehicle financing product for members purchasing cars.
• Student Loan Education financing product designed for students.
• Cultivate Agri Loan Agricultural loan product supporting farming and agricultural activities.
• Home Improvement Loan Loan product for home renovation, expansion, and improvement projects.
• Greenify (Green Energy Loan) Eco-friendly loan product supporting green energy and sustainable home improvements.
• First Time Borrower Loan Loan product designed specifically for members borrowing from the credit union for the first time.
• Secured by Shares Loan Loan product secured against member shares held in the credit union.
• Transfer Loan Loan product allowing members to consolidate existing loans from other financial institutions into Premier Credit Union.
• Credit Union Mortgages Ireland's new credit union mortgage offering providing flexibility and stability for home purchases.
• Mobile Banking App Mobile application enabling members to securely login, check balances, transfer funds between own and external non-credit-union accounts, pay bills, upload documents, and apply for loans.
• Car, Home & Pet Insurance Insurance products provided through partnership with Allianz for vehicles, homes, and pets, with member discounts.
• Savings and Shares Savings accounts and share products for members with competitive rates.
• Foreign Exchange Currency exchange services for members.
• Loan & Savings Insurance Insurance products protecting member loans and savings balances.
• eStatements Electronic statement delivery service for member accounts, supporting paperless account management.
• Financial Planning Financial planning services provided to members in partnership with Irish Life Financial Services.
• SEPA Instant Payments Instant euro payment transfer service compliant with SEPA (Single Euro Payments Area) regulations, enabling real-time transfers within the SEPA zone.
• Open Banking Open banking service allowing members to securely share financial data with authorized third parties.
• Electric Ireland Superhomes Home energy efficiency services offered to members in partnership with Electric Ireland, supporting the Greenify green energy loan product.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Borrisokane Credit UnioncoreStrategic or Co-development Partner · 15 January 2026Premier Credit Union and Borrisokane Credit Union are currently advancing discussions in relation to combining their resources by merging. Merger FAQs have been published to inform members about the proposed combination. This is a significant strategic move that would expand Premier Credit Union's presence and member base.
• AllianzcoreChannel Partner/ Reseller/ DistributorPartnership with Allianz p.l.c. (regulated by Central Bank of Ireland) to provide Car, Home and Pet Insurance to credit union members. Credit union members receive special discounts on these insurance products.
• Irish Life Financial ServicesminorChannel Partner/ Reseller/ DistributorPartnership with Irish Life Financial Services to offer financial planning services to members. Irish Life advisors help members plan for their future.
• Electric Ireland SuperhomesminorChannel Partner/ Reseller/ DistributorPartnership to offer energy efficiency home improvement solutions to members, supporting the Greenify loan product for green energy home improvements.

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Bank of Ireland: Major Irish retail and commercial bank with nationwide branch network, comprehensive mortgage and personal lending products, and digital banking. Comparable as a full-service depository institution competing for Premier Credit Union's target customer segments.
• Permanent TSB: Irish retail bank offering current accounts, savings, mortgages, and personal loans nationwide. Comparable as a regulated Irish depository institution competing for the same retail lending and savings customers that Premier Credit Union serves.
• An Post (PostPoint Financial Services): Irish state postal service offering current accounts, savings, and consumer financial products through its national branch network. Comparable as a community-accessible financial services provider competing for Irish retail deposits and small-ticket lending.
• Allied Irish Banks (AIB): One of Ireland's largest retail banks with extensive branch coverage, broad lending products, and digital banking. Represents the dominant incumbent competing for community deposit and lending share that Premier Credit Union targets.

Direct peers

• Comhar Linn INTO Credit Union: Irish credit union serving a defined membership community with competitive loan products, savings, and digital channels. Directly comparable mutual, member-owned credit union regulated by the Central Bank of Ireland.
• Core Credit Union: Irish credit union offering personal loans, mortgages, savings, and digital banking services to members across multiple branches. Closely comparable in product mix, community focus, and regulatory standing.
• First Choice Credit Union: Another Irish community credit union offering a similar suite of personal loans, savings, and digital banking services to members across a defined local catchment. Directly comparable as a mutual, Central Bank-regulated institution competing for community-based members in Ireland.
• St. Raphael's Credit Union: Irish community credit union providing loans, savings, and member services with a multi-branch footprint. Closely comparable business model, regulatory framework, and member-owned governance structure to Premier Credit Union.
• Synergy Credit Union: Irish credit union formed through merger of multiple community credit unions, offering personal loans, mortgages, and digital banking. Comparable as a community mutual operating under the same Central Bank of Ireland regulatory framework.

Emerging players

• Revolut: Digital-first challenger bank with a strong Irish user base offering current accounts, payments, and increasingly lending products. Comparable as a competitor targeting the same digitally-engaged Irish retail customers who form Premier's growth pipeline.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Premiercu
• Instagraminstagram.com/Premier_Cu
• LinkedInlinkedin.com/company/roscrea-credit-unon-ltd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Roscrea Credit Unon Ltd