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Opening hours

Mon 09:30 AM-04:30 PM
Tue 09:30 AM-04:30 PM
Wed 09:30 AM-04:30 PM
Thu 09:30 AM-04:30 PM
Fri 09:30 AM-08:00 PM
Sat Closed
Sun Closed

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About Us

Your Local Credit Union provides Competitive Mortgages, Savings and Loans in Monaghan.

Monaghan Credit Union is a thriving organisation serving the people of Monaghan Town and surrounding areas within our common bond.

Monaghan Credit Union provides many services to our members including savings, low loan rates, direct debits, standing orders, online facilities and award-winning customer service.


We provide savings and a number of different loans to suit our member’s needs.  Our wide range of services, include the following

  • Savings accounts
  • Free life cover on all loans
  • Foreign Exchange
  • Personal Loans
  • Student Loans
  • Mortgages
  • Payroll deductions
  • Nominations
  • MYCU Current Account
  • MYCU Debit Card


Loans with Monaghan Credit Union allows our members to pay back an amount affordable to the member. Members can repay the loan earlier with no penalty and the flexibility to make larger repayments than agreed with no penalty.

Monaghan Credit Union also provides competitive mortgages in Monaghan to its members. From a minimum of €40,000.00 and a maximum LTV ratio of 90% for first-time buyers and maximum LTV for non first-time buyers of 80%, The Credit Union is the mortgage advisers in Monaghan to go to.

Monaghan Credit Union
  • services include:
    • Savings Accounts and Savings Incentives:

      Your Local Credit Union provides Competitive Mortgages, Savings and Loans in Monaghan.

    • Foreign Exchange:

      Heading away for a long weekend or your summer holidays? Monaghan Credit Union provides foreign exchange services, including all currency. Must be ordered 24 hours in advance.

    • Speed Lodgement:

      We provide a speed lodgement facility 24 hours a day, 7 days a week. If you’re in a hurry or you are not able to visit the branch during opening hours, don't panic. The Speed box is positioned on the right, inside the main entrance door or after hours speeds can be lodged into the secure letter box, this is positioned to the right of the front door

    • Payroll Deductions:

      Why not avail of our payroll deduction scheme? Your savings are deducted at source, you can grow your savings and repay your loans directly from your workplace and maintain and enhance your credit worthiness within the Credit Union. The convenient, stress-free way to conduct your Credit Union business.

    • Nominations:

      You may be aware that the Credit Union Act allows members to instruct that if they die, the value of their savings with the credit union passes to one or more specified persons. The advantage of this is that following your death, your savings are paid to the person you nominate quickly and without any complicated process involving lawyers or probate. If you haven’t set up a nomination, we urge you to do so. It doesn’t cost anything, and the payment may ease the stress of your loved ones at the time of your death. The maximum amount that can be nominated is ₏23,000, if you have more than this in your account following your death, the remainder forms part of your estate.

    • Open Late:

      Monaghan Credit Union is opening late on a Friday evening from 9.30am to 8.00pm.

    • MYCU Current Account:

      Monaghan Credit Union now offers our members MYCU Current Accounts and Debit Cards. The MYCU Current Account is a full service account bringing you all the features you have come to expect, delivered with the same local, trustworthy service of your credit union. Members can get instant access to your MYCU Current Account with the MYCU Debit Mastercard®.

    Credit Union Monaghan - Loans and Competitive Interest Rates:

    We provide loans for all your needs, including car loans, student loans, etc. To find what is required for applying for a loan and details on how you can apply for a loan contact Monaghan Credit Union directly on 047-81810 or visit our website at www.monaghancu.ie. Monaghan Credit Union offers our members the best rates so that each member can meet their repayments. Monaghan Credit Union has no fee’s or charges and interest is calculated on the reducing loan balance. Repayments can be tailored to suit your needs. Monaghan Credit Union Ltd is regulated by the Central Bank of Ireland. Loans are subject to approval.

    Savings at Monaghan Credit Union:

    Saving on a regular basis makes good sense, whether you’re saving for something in the future or just for a ‘rainy day’. When you save, you not only help yourself, you also help your community as your savings provide a loan fund for other Credit Union members. The Credit Union is committed to your financial well-being so as a member you can rest easy in the assurance that your savings are safe. A Credit Union savings account comes with a Life Savings Insurance Scheme eligibility criteria applies. This is the insurance cover a Credit Union provides for members, as an additional incentive for them to save regularly. Uncommitted savings are available 24/7 with CU Online+.

    Mortgages at Monaghan Credit Union:

    Introducing our CU Home Mortgage product to our valued members. Our CU Home Mortgage is for Principal Private Residence only. Minimum mortgage amount is €40,000, maximum amount is based on members affordability. Terms and conditions apply. Underwriting is determined by an assessment of ability and previous credit history.

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