Credit Union Motto
“Not for Profit, Not for Charity, but for Service”
Services are designed to improve the economic and social well being of all members.
Stronger Together
The more services you use, the stronger we become and the stronger you become.
Our Services
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- Are insured with FREE Life Savings Insurance (terms and conditions apply)
- Are guaranteed by up to €100,000 (The limit for a minor is €10,000 maximum.)
- Provides you with financial independence
- Provides you with a loan, should you wish to borrow
- Competitive interest rates
- Interest is only charged on the reducing balance
- No fees and no penalties if you repay your loan early
- Flexible repayment terms to suit you
- FREE with Loan Protection Insurance in the event of death your loan may die with you (terms and conditions apply)
- For motor loans, you own the vehicle straight away no lease and no hire purchase
- In the event of death, your loan may die with you
- Free life cover. A lump sum payment on savings (terms and conditions apply)
- In the event of death, a lump sum payment towards funeral expenses (terms and conditions apply)
- Insurance to meet your loan repayments when the unexpected happens
- Alternative banking solution, personal, online and mobile banking
- A current account with a globally accepted Mastercard debit card
- Budget and manage your money better
- Bill Pay, Electronic Funds Transfer and Direct Debit.
Complaints
HOW TO MAKE A COMPLAINT
It is the aspiration of Cara Credit Union that any complaint against the credit union will be resolved in a fair and equitable manner. In order that this is accomplished the following is the procedure which you should follow in order to have your complaint, in your capacity as a member, settled. For a full description of this procedure, please see Rule 108 of the Standard Rules of the Credit Union.
The complainant discusses the complaint with the complaints officer verbally or outlines the details of the complaint in writing by completing a complaints form. The complaints officer will, where possible, resolve the complaint.
Download our Complaints Form here.
IF THE COMPLAINT IS NOT RESOLVED TO THE SATISFACTION OF THE COMPLAINANT:
The complainant will have the right to be heard by the complaints sub- committee who will investigate, discuss and, wherever possible, resolve the complaint. The complainant must complete the complaints form (if not completed at step 1) which will be reviewed by the sub-committee.
Nothing in Rule 108 shall prevent the Financial Services Ombudsman from investigating and adjudicating a complaint made against a credit union about the provision of, or failure to provide, a financial service, so long as the complaint:
- falls within the jurisdiction of that Ombudsman, and
- does not relate to a matter that involves only the governance of the credit union.
CONTACT DETAILS FOR MAKING A COMPLAINT
A complaint can be received verbally, by phone, by email or in writing.
Written complaints can be sent to the Complaints Officer, Cara Credit Union Ltd. 45-47 Ashe St. Tralee, Co. Kerry or by email at [email protected] Verbal complaints may be made by phone on 066) 7122373 or in person to any Cara CU Complaints Officer.