St.Ailbe’s Credit Union are determined and eager to ensure that the local Credit Union offers all it can to the community. We are delighted to now offer new competitive rates for our Home Improvement Loan. APR rates as low as 3.97% are now being offered to our members.

We are hoping that in conjunction with the extension of the Home Improvement Incentive Scheme, our members can avail of the low rate and save on their home renovations.


EXAMPLE: Home Improvement Loan of €35,000 (€28,455+ VAT $6,545)
Cost of Credit over 15 years (monthly Repayments of €387) at the standard rate of 10.5% €34,633
Cost of credit over 15 years (monthly Repayments of €257 ) at the NEW rate of 3.9% €11,284
Savings €23,349
Home Improvement Incentive tax credit – 13.5% of qualifying expenditure up to a maximum of €30,000 (less VAT) => €28,455 *13.5% =   €3,841 Tax Credit may be available subject to terms and conditions.



Terms and Conditions Apply. All loans are Subject to Approval