Annual Mass postponed

04 Dec2019

Due to unforeseen circumstances, we have had to postpone our annual Mass for deceased members.

We hope to have a new date in the coming days.

We apologise for any inconvenience this may cause members.

Card Safety Guidelines

26 Nov2019

With Black Friday & Christmas fast approaching millions of shoppers will be hunting for online ‘bargains’ during the sales event so here are some Top Tips for Members on how to protect your Debit Card.


  • Keep your card in a safe place. Do not leave it lying around. Report it to your Credit Union or Credit Union Card Services immediately if it is lost or stolen.
  • Protect your PIN do not write it down, keep it anywhere with your Debit Card or give it to anyone.
  • Change your PIN If you believe someone knows your PIN you can change it immediately at an ATM machine or phone Credit Union Card Services on +353 (1) 693 3333 available 24/7.
  • Cover your PIN when using an ATM or PIN pad in a store. Ensure you are not being overlooked or distracted entering your PIN in a public place.
  • Sign New Cards immediately ensuring the old card is destroyed by cutting the magnetic strip as soon as the new one becomes valid.
  • Keep financial information secure (e.g. account numbers, statements, ATM and sales receipts) in a secure place before disposing of them carefully.


  • Reveal your secure credentials to anyone over the phone or online such as your Card PIN or User ID.
  • Divulge details to Cold Callers – Don’t give your card number over the telephone to “cold” callers under any circumstances. Only make telephone transactions when you have instigated the call and are familiar with the company.
  • Open suspicious emails or attachments, limiting what you share on social media.


  • Make sure your internet access is secured – The beginning of the retailer’s internet address should change from ‘http’ to ‘https’ before a purchase is made. This indicates that you are using a secure connection.
  • Look for the padlock – Click on the security icon (the padlock or unbroken key symbol) to ensure that the retailer has an encryption certificate. The link should describe the type of security and encryption being used.
  • Keep your computer and security up to date – Install a reliable anti-virus and browser security software. Ensure it has the latest updates and that it scans your computer regularly to check for malware. Make sure your browser is set to the highest level of security notification and monitoring. These safety options are not always activated by default when you purchase and install your computer.
  • Cold Callers – Never give your Debit Card details over the telephone to “cold” callers or an unknown individual. Only make telephone transactions when you have instigated the call and are familiar with the company.
  • Research your Retailer – Try to find out as much as you can about the retailer prior to making a purchase with them. While online shopping is very easy and convenient, it also allows criminals an opportunity to commit card Fraud from a distance.


  • Your Credit Union or our Credit Union Card Services team will never ask you for any account details such as your User ID, Card PIN, online PIN or any mobile PIN over the phone.
  • If you receive a call you believe may be suspicious requesting this information, please report the call immediately to your Credit Union or Credit Union Card Services on +353 (1) 693 3333

Beware of Money Transfers

  • Your Credit Union or Credit Union Card Services will never contact you and request a transfer to a third-party account to rectify an issue or outstanding payment to your account


  • Your Credit Union Debit Card is secured with a Chip & PIN. Fraud carried out on cards that have been lost or stolen is quite low these days, since the introduction of Chip & PIN.
  • Important! Credit Union Debit Card holders should still immediately report an incident of loss, theft or any suspicious activity regarding their Debit Card to their Credit Union or Credit Union Card Services on +353 (1) 693 3333 available 24/7.
  • Always keep your Card PIN secure and Cover your hand while entering your PIN at an ATM or Point of Sale key pad.
  • There are various ways that criminals try to steal cards with the most common types being:

ATM Skimming

ATM skimming is when criminals electronically “skim” the Magnetic Stripe at the back of a card in order to steal a card’s details and PIN during ATM transactions.

  • By fitting an often-unseen portable electronic card reader and mini camera onto an ATM, criminals can create a fake plastic card, which contains the real cards details – this is known as a counterfeit card that can potentially be used in foreign countries that have not yet implemented Chip & PIN technology
  • For skimmed card data to be of greatest use to the criminal, they also need to know the PIN number for the card and using the combined information, can withdraw funds from accounts.
  • The cardholder information obtained from skimming incidents is normally sold onto crime syndicates and used immediately. While the crime can happen at your local ATM the fraudulent transaction may well take place abroad.
  • It is important to check your Current Account statements regularly to identify suspicious or disputed transactions. The sooner you spot and report any purchases that you didn’t make, the sooner your Credit Union can stop further fraudulent activity on your account.

Distraction Fraud

ATM Distraction Fraud is when criminals approach you when you are using the ATM and create a distraction. During this distraction the criminals will attempt to steal your cash or your card having just previously shoulder surfed your PIN number.

  • Victims can be distracted for just a matter of seconds while taking money out of an ATM, enough time for the criminals to steal cash from their account or swap their debit card for a fake
  • Criminals will observe you entering your PIN and then place some Euro notes on the ground beside you, one criminal will then distract you and show you the money on the ground for you to pick it up while the other criminal removes your card from the machine and replaces it with another card usually from the same card provider.
  • This type of confusion fraud can be seen as very strategically planned involving a number of criminals working together in a group

A cash withdrawal at an ATM is generally, safe with the vast majority of ATM transactions happening without any problem. However, ATMs are in public areas and sometimes can attract Card data such as card number, expiry date, CVV and 3D Secure information is a valuable commodity to criminals and can be bought by and sold to other criminals. This data is used to make fraudulent online purchases, often for highly re-saleable goods that can quickly be turned in to cash.
Criminals use various tactics to get this information including:


  • the fraudulent practice of sending emails purporting to be from reputable companies in order to induce individuals to reveal personal information, such as passwords and credit card numbers 


  • Vishing the fraudulent practice of making phone calls or leaving voice messages purporting to be from reputable companies in order to induce individuals to reveal personal information, such as account details and credit card numbers.
  • Smishing or SMS phishing, sends a text message to an individual’s mobile phone in an attempt to get them to divulge personal information. As is the case with phishing or vishing, a Smishing attack usually has a call to action for the intended victim that requires an “immediate’’ response.

Malware / Trojan

  • Trojan horse or Trojan is a type of malware that is often disguised as legitimate software. Trojans can be employed by cyber-thieves and hackers trying to gain access to users’ systems. Users are typically tricked by some form of social engineering into loading and executing Trojans on their Bogus websites.

Congratulations to our 2019 Matthew Dawson Winners

22 Nov2019

Currently experiencing IT issues

13 Nov2019

We are currently experiencing IT issues and cannot transact on members accounts.

We expect to have this rectified later this afternoon.

We apologise for any inconvenience this may cause members.

Happy International Credit Union Week!

14 Oct2019

To celebrate International Credit Union Day, we’re giving new members an even bigger reason to join Dubco. Sign up on Thursday, 17th October and receive a Dubco Goodie bag worth over €35!


To get your hands on a Dubco Goodie Bag simply:

  1. Have a Membership Pack fully completed on the day
  2. Have the necessary ID required which includes:
    • Proof of photo ID
    • Proof of address (dated in the last 6 months)
    • Proof of Common Bond/PPSN (a recent payslip)

Dubco staff will be available in the office from 10am to help new members get registered! If you have any questions, email

Don’t forget, you can be a member of more than 1 Credit Union!

Online banking disruption

30 Sep2019

Please note, due to the end of the financial year, members will not be able to transact on their accounts online after 5pm this evening.

We apologise for any inconvenience this may cause members.

Online transactions will be available again after 10am on Tuesday, 1st October.

Current IT issue

10 Sep2019

Please note,  we are currently experiencing IT issues and cannot transact on members accounts.
We expect to have this rectified later this morning.
We apologise for any inconvenience this may cause members.

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.

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

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.