Go Green & Win!

30 Jul2019

Sign up for online access during the months of July & August and be in with a chance of winning a brand new Samsung Tablet!

The Dubco website offers access to your accounts from anywhere you have internet access. You get the safety and security you expect from Dubco and the freedom and flexibility of service 24/7.

With online access you can:
• Monitor your savings (share and deposit), loan and budget plan account activities.
• Make bill payments to companies nationwide.
• Transfer money between your Dubco accounts.
• Transfer money from your Dubco account(s) to a nominated bank account.
• Apply for loans.
• Register to receive your statements online (eStatements).

Click here to register for online access now!

Once you have your PIN you can begin using online facilities immediately and can download the Dubco Mobile Banking App. Go to the Apple App Store or Google Play Store and search for the Dubco Mobile Banking App.


Dubco is now part of Metamo

04 Jul2019

Dubco now part of Metamo – a joint venture between 16 of Ireland’s strongest Credit Unions and Fexco

Dubco Credit Union is one of 16 of Ireland’s largest credit unions who have announced a €10 million collaboration with Irish based, international financial technology company Fexco in the formation of a new joint venture to be named Metamo.

Metamo is a 50:50 joint venture between the 16 investing credit unions incorporated under the name MetaCU, and Fexco, one of Ireland’s largest financial services companies. MetaCU credit unions represent over 480,000 members, from across the country – including 13,500 from Dubco Credit Union, as well as 700 staff and combined assets of over €3 billion.

The primary objective of Metamo is to support credit union viability and sustainability through the provision of a more complete and modernised suite of financial products including enhanced lending capabilities. Metamo is also uniquely positioned to develop more efficient operating systems for Dubco in areas like process improvement, risk management and technology delivery.

Metamo will:

  • support credit union sustainability,
  • improve efficiency,
  • research and develop new products and services for credit unions,
  • support them in offering a wider range of financial products to their members,
  • establish a central shared services hub to improve delivery capability for credit unions.

Minister of Finance Paschal Donohoe TD was at the official launch event and had this to say about the new joint venture:

“Credit unions hold a unique and special standing as one of the most trusted brands in the country. They continue to provide invaluable services to local communities promoting financial inclusion. I am delighted to see collaboration within the sector that will support its continued viability and sustainability.  Members of all credit unions stand to benefit from the enhanced products and services, more efficient operations and improved service delivery that Metamo will provide. Collaborative efforts for the sector can come in many forms and I am encouraged by, and supportive of, the many projects designed to drive the sector forward, including the venture being launched by Metamo. I would like to congratulate the credit unions and Fexco on this initiative and to wish them every success into the future.”

Michael Ahern, CEO of Dubco also welcomed the new initiative:

“This is an important milestone for Dubco Credit Union and our members all around the Country. In joining this venture with Metamo, along with 15 other credit unions around Ireland, it will allow us to provide an improved service to our 13,500 member and their families – so we can modernise to keep pace with other financial service providers.”

Metamo is based in Kerry with offices in Dublin.   The company is currently actively recruiting its senior management team having appointed Neil Hosty as CEO in 2019. Neil has over 20 years’ experience in the financial services sector and has held various senior executive positions in the Irish and US banking sectors.

Over time a number of exciting new products and services will become available from Dubco through our involvement with Metamo, and we are looking forward providing you with updates as they occur.

www.dubco.ie

www.metamo.ie

www.fexco.com

Pictured at the launch in Dublin’s Merrion Hotel were (l-r) Joe O’Toole (Chair, MetaCU), Michelle Henshaw ( DubCo Choice Credit Union), Michael Ahern (DubCo), Denis McCarthy (CEO, Fexco). Picture Jason Clarke.

 

Pictured at the launch in Dublin’s Merrion Hotel is Minister for Finance Paschal Donohoe, Denis McCarthy, CEO of Fexco and Joe O’Toole, Chairperson of MetaCU. Picture. Jason Clarke.

NEW LOWER RATES – Dubco’s Home Loans

01 Jul2019

Did you know that we now offer our members and their families Home Loans at an even lower rate than 2018?! We have also simplified what rates we offer!

• 3.40% (3.45% APRC)* for Home Loans with a LTV of 50% or Less
• 3.60% (3.66% APRC)* for Home Loans with a LTV of 80% or Less

 

These new home loan rates are available up to €350,000, with a term of up to 25 years and a maximum loan to value ratio of 80%.

Some of the benefits to borrowing with Dubco include:

  • Competitive variable interest rates
  • Choose your payment frequency; Weekly, Fortnightly or Monthly
  • Loans up to €350,000 (net of shares)
  • No penalties for early repayment
  • Term up to 25 years
  • We pay your valuation fee
  • €700 towards your legal fees as a gesture of good will

If you are interested in learning more about this initiative and can’t make it into the office, we would be delighted to hear from you on 018870400 or email loans@dubco.ie.

Home Loan LTV 50% or less Example
A loan of €200,000 over 25 years with 300 monthly instalments costs €990.61 per month at a variable rate of 3.40% (3.45% APRC)* The total amount you repay is €297,172.22 (€97,172.22 total interest paid).

Home Purchase Loan LTV 80% or less Example
A loan of €200,000 over 25 years with 300 monthly instalments costs €1,017.29 per month at a variable rate of 3.60% (3.66% APRC)* The total amount you repay is €304,198.88 (€104,198.88 total interest paid).

 

*The APRC (Annual Percentage Rate of Charge) included is based on the examples provided. Lending criteria, terms & conditions apply. Interest rates quoted are variable. Above example for illustration purposes only and does not constitute a contract.

WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.
WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS.  THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.

 


Special Car Loan rate & NEW Electric Car Loan rate

01 Jul2019

We’re delighted to announce that from 1st July 2019, for 1 year only, our Special Car Loan rate of 5.97% (6.14% APR*) will be available all year round. And putting our environmental hats on, we are now offering a NEW Electric Car Loan with a rate of 4.97% (5.08% APR**).

Some of the advantages of borrowing from Dubco include:

  • Easy application & decision in less than 24 hours
  • Our loans cover new cars, used cars or refinancing existing loans
  • Cash is King – be a cash buyer & haggle a better deal
  • Flexible repayment terms to suit you with terms from 5 – 7 years
  • No Terms & Conditions attached to the use of your new car
  • No deposit, hidden charges or balloon payments
  • No penalties for lump sum or early repayment
  • Eligible for any interest rebate declared at our next AGM
  • With Dubco, you own the car from Day 1
  • Loans are insured up to €75,000 at no direct cost to all eligible members

 

*The APR (Annual Percentage Rate) included is an example only based on a €15,000 loan over a period of 60 monthly repayments of €289.92, Total cost of credit €2,393.51 & Total repayment €17,393.51.

**The APR (Annual Percentage Rate) included is an example only based on a €15,000 loan over a period of 60 monthly repayments of €282.97, Total cost of credit €1,977.13 & Total repayment €16,997.13.

 

To see exactly what your dream car is going to cost with Dubco, why not check out our loan calculator here!


Great news for Dubco members!

24 Jun2019

We’re delighted to announce that from 1st July 2019, for 1 year only, our Special Car Loan rate of 5.97% (6.14% APR*) will be available all year round. And putting our environmental hats on, we are now offering a NEW Electric Car Loan with a rate of 4.97% (5.08% APR**).

Some of the advantages of borrowing from Dubco include:

  • Easy application & decision in less than 24 hours
  • Our loans cover new cars, used cars or refinancing existing loans
  • Cash is King – be a cash buyer & haggle a better deal
  • Flexible repayment terms to suit you with terms from 5 – 7 years
  • No Terms & Conditions attached to the use of your new car
  • No deposit, hidden charges or balloon payments
  • No penalties for lump sum or early repayment
  • Eligible for any interest rebate declared at our next AGM
  • You own the car from Day 1
  • Loans are insured up to €75,000 at no direct cost to all eligible members
*The APR (Annual Percentage Rate) included is an example only based on a €15,000 loan over a period of 60 monthly repayments of €289.92, Total cost of credit €2,393.51 & Total repayment €17,393.51.
**The APR (Annual Percentage Rate) included is an example only based on a €15,000 loan over a period of 60 monthly repayments of €282.97, Total cost of credit €1,977.13 & Total repayment €16,997.13.

The above examples are for illustration purposes only and does not constitute a contract. All rates quoted are variable.

To see exactly what your dream car is going to cost with Dubco, why not check out our loan calculator here!

_____________________________________________

If you’re dreaming about updating your kitchen or adding some extra room to your house, make sure to speak to Dubco about how we can help make your dreams a reality!

Dubco has you covered with 3 Special Home Improvement Loans

5 Year Term – 5.97% (6.14% APR*)
7 Year Term – 6.47% (6.67% APR**)
10 Year Term – 6.99% (7.22% APR***)

Some of the advantages of borrowing from Dubco include:

  • Loans are insured up to €75,000 at no direct cost to all eligible members
  • Loans qualify for any interest rebates paid by Dubco (5% paid in 2018)
  • No penalties for early repayment, lump sum payments or increased repayments
  • Add value and extra space to your home
*The APR (Annual Percentage Rate) included is an example only based on a €30,000 loan over a period of 60 monthly repayments of €579.57, Total cost of credit €4,909.46 & Total repayment €34,909.46.
**The APR (Annual Percentage Rate) included is an example only based on a €50,000 loan over a period of 84 monthly repayments of €741.75, Total cost of credit €12,293.84 & Total repayment €62,293.84.
***The APR (Annual Percentage Rate) included is an example only based on a €75,000 loan over a period of 120 monthly repayments of €870.43, Total cost of credit €29,482.55 & Total repayment €104,482.55.

The above examples are for illustration purposes only and does not constitute a contract. All rates quoted are variable.

To see exactly what it’s going to cost you to turn your house in to your dream home, click here!


Introduce & Earn!

11 Jun2019

Introduce a work colleague or family member to Dubco & earn a €30 One4all voucher!

The more new members you introduce, the more €30 One4all vouchers you’ll receive, simple!

Introduce a family member and you will also be entered in to a draw to win €5,000 at our next AGM.

Every new member that joins will be entered in to a draw to win €250 in their first month of membership.

 

To download a Membership Pack now, click here.

 


Welcome staff of Louth County Council

01 Jun2019

We are delighted to now be able to welcome staff and retired staff of Louth County Council to join Dubco Credit Union! This also means that membership of Dubco is now open to all their family members!

“Member of the family”, in relation to any person, means that person’s parent, grandfather, grandmother, father-in-law, mother-in-law, spouse or civil partner, cohabitant, son, daughter, grandson, granddaughter, brother, sister, half-brother, half-sister, uncle, aunt, nephew, niece, first cousin, step-son, step-daughter, step-brother, step-sister, son-in-law, daughter-in-law, brother-in-law or sister-in-law.

If you’d like to join Dubco now, Membership Packs can be downloaded from here!


Bank Holiday Opening Hours

30 May2019

Please note, the office will be closing on Friday, 31st May at 4:30pm and will reopen on Tuesday, 4th June at 10:00am.

Our phone service will be closing on Saturday, 1st June at 5:00pm and will reopen on Tuesday, 4th June at 8:00am.

We apologies for any inconvenience this may cause members and we hope you all enjoy the Long Weekend.


Office Closure

16 May2019

Please note the office will be closed on the morning of Friday 17th May 2019 and opening at the later time of 1:30pm.

This is to allow staff attend the funeral of a family member of an esteemed colleague and friend.

We apologise for any inconvenience this may cause.


Our new ProEnergy Home Loan!

14 May2019

Dubco are delighted to be part of the ProEnergy Homes Scheme for 2019. This scheme helps members & their families improve the energy efficiency of their homes and gain access to a grant from the Sustainable Energy Authority of Ireland.

Borrow for energy saving home improvements, and receive SEAI grant funding of up to 35%. ProEnergy Homes is a unique credit union initiative supported by the Sustainable Energy Authority of Ireland (SEAI) in association with Retrofit Energy Ireland Ltd. (REIL).

ProEnergy Home Loan Benefits:
Energy Efficient HomeBetter performing, more comfortable
Simple ProcessWith expert advice from REIL
Grant on worksUp to 35% from SEAI
Flexible Loan OptionsFrom Dubco for the balance required
Dedicated Project ManagerFrom start to finish with REIL

Step by Step

Talk to us!
We’ll take your details using our Expression of Interest Form, which can be found here, discuss options and ensure you qualify for ProEnergy Homes upgrades.

Book a Free Assessment
We’ll help arrange a free Energy Audit (worth up to €500) with a qualified REIL professional, at a time that suits you.

Information is Power
Following the assessment by an REIL expert, you’ll receive an REIL Audit Report (also free) with recommendations for energy saving improvement works that will benefit your home, and the cost for each option.

Freedom to Choose
Decide which improvements matter most to you. The 35% SEAI grant will be deducted, so you only need to borrow the remaining 65%. Your Credit Union will be in touch to process your loan application.

Service with a Smile
REIL will arrange for qualified tradespeople to complete all works. Whether its attic insulation, new windows or solar panels, we have experts for every job.

Quality you can Trust
Qualified assessors then check and sign-off on the work and a new BER cert is issued, so you can see the difference.

And relax…
Once the job is done, you should feel the difference immediately.

 

Terms & Conditions apply and can be found here.