Tipperary Credit Union Photography Competition
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Tipperary Credit Union Photography Competition 2020

We are seeking a photographer to capture the essence of Tipperary Credit Union for the 2020 Alliance of Credit Unions of Tipperary  Calendar. The Alliance is a a group of Credit Unions from Tipperary who produce a calendar every year. Each Credit Union has their own page in the Calendar and this year we are asking members of the public to send in a photo for our page.

ABOUT THE COMPETITION
This year’s theme is ‘Nature’ and we are looking for landscape size photos that will show off the “Nature” of the Common Bond of Tipperary Credit Union in all its glory. The photos must be landscape in size. Tipperary Credit Union’s common bond includes the following locations: Tipperary Town, Bansha, Cappawhite, Doon, Dundrum, Emly, Hollyford, Oola and Plassey (Limerick). Photos can be colour or black and white but they must be of high quality, i.e. 300dpi and landscape in size. Photos must be submitted electronically to the email c.costelloe@tipperarycu.ie. with the following:

  1. Name of photographer
  2. Contact number
  3. Title/Description of photo

Closing date for entries is 24th October 2019. Two winning photos will be selected with each receiving a €100. One photo will be guaranteed a place in the calendar with the second photo subject to space.

TERMS AND CONDITIONS

1. This competition is open to the general public 16 years or over.

2. It is a condition of entry that all rules are accepted as final and that the competitor agrees to abide by these rules. The decision of the judges is final and no correspondence will be entered into. Submission of an entry will be taken to mean acceptance of these terms and conditions.

3. Entries should be submitted by via email to c.costelloe@tipperarycu.ie must be labelled with the entrant’s name and location of the photograph and image files must be 300 dpi and between 1MB and 3MB. Entrants should include their own name, address and telephone number. We regret that we are unable to accept postal entries.

4. All entries must be received by the advertised closing time and date (5.00p.m. on the 24th of October 2019).

5. All images submitted must be the work of the individual submitting them and must not have been published elsewhere or have won a prize in any other photographic competition. It is the responsibility of each entrant to ensure that any images they submit have been taken with the permission of the subject and do not infringe the copyright of any third party or any laws. Entrants must warrant that the photograph they are submitting is their own work and that they own the copyright for it.

6. Copyright in all images submitted for this competition remains with the respective entrants. However, in consideration of their providing the Competition, each entrant grants a worldwide, irrevocable, perpetual licence to Tipperary Credit Union Limited to feature any or all of the submitted images in any of their publications, their websites/social media and/or in any promotional material connected to this competition.

7. Only one entry per person. Late, illegible, incomplete, defaced or corrupt entries will not be accepted. No responsibility can be accepted for lost entries and proof of transmission will not be accepted as proof of receipt. Entries must not be sent through agencies or third parties.

8. The winning entry will be that that is judged to be the most visually appealing, original and self-explanatory. The winner will be notified within seven days of the closing date of the competition.

9. There are two prizes of €100. The prize is subject to availability. There is no guarantee that both photos will be used for the Credit Unions of Tipperary Calendar.

10. The winners may be required to take part in publicity.

11. The winners’ names and counties may be disclosed on the calendar or to anyone who writes in to Tipperary Credit Union seeking the names of the winners.

13. Events may occur that render the competition itself or the awarding of the prizes impossible due to reasons beyond the control of the Tipperary Credit Union and accordingly Tipperary Credit Union may at its absolute discretion vary or amend the promotion and the entrant agrees that no liability shall attach to Tipperary Credit Union as a result thereof.

International Credit Union Day 2019

Credit Union Ethos Celebrated on 71st International Credit Union Day®

 Tipperary Credit Union joins more than 89,000 credit unions around the world to celebrate International Credit Union Day® (ICU Day®) on 17th October. The 71st ICU Day® is an important celebration not just for the global movement, but also for Irish credit unions.

In Ireland, credit unions are more important and relevant than ever. There are now 3.6 million credit union members on the island of Ireland, benefitting from €4.9 billion in loans. Lending by credit unions is up by 7.2% year-on-year, as members continue to benefit from affordable and flexible lending terms and conditions.

Credit unions are ethical, not-for-profit lenders that continue to provide effective and viable alternatives to financial institutions that operate for profit. Credit unions genuinely care about their members and put them at the heart of everything they do. This is why Irish credit unions have won the national customer experience award, CX Award, for a record-breaking four consecutive years. They are the only organisations in the world to have achieved this.

 

The theme for the 71st ICU Day® is ‘Local Service. Global Reach.’  This is reflective of how each individual credit union serves a local community. Collectively, this local connection has a global effect – there are now 260 million credit union members in 117 countries worldwide.

 

Celebrations in Irish credit unions on 17th October will revolve around the ‘Local Service Global Reach’ theme.

To mark the occasion, Tipperary Credit Union will host a FREE FUN Table Quiz.

When: Thursday the 17th of October,9p.m. sharp!

Location: Quinlan’s Pub, Davis Street, Tipperary Town.

Teams of 4 – Free Entry

€600 up for grabs for local clubs and charities.

-1st Prize €300 to winning teams local club/charity of their choice.

-2nd Prize €200 to the runner up teams local club/charity of their choice.

-3rd Prize €100 to local club/charity of team chosen based on a lucky dip of non-winning teams.

There will be loads of spot prizes on the night.

Speaking about the Free Fun Table Quiz to mark ICU Day® John P Hartnett Chairperson at Tipperary Credit Union said: “Tipperary Credit Union, like all credit unions, shares a common goal to offer access to affordable loans to the local communities we serve. We strive to provide even the most financially disadvantaged sectors of our communities with the tools and the opportunities to be financially self-sufficient. We go over and above on a daily basis in an effort to help achieve their life goals; be they education or travel goals, a wedding or renovating the home for the family. This is the credit union difference that makes a real, positive impact on the lives of people in the Tipperary/Limerick area. We look forward to celebrating this with our members, and indeed the whole community, on ICU Day®.”

Tipperary Credit Union has been proudly serving the Tipperary/Limerick area for 52 years. Tipperary Credit Union has a membership of over 27,000, and in the past year alone has provided over €17 million in loans to the local community.

ICU Day® has been celebrated annually since 1948, and is traditionally marked on the third Thursday in October. The awareness day celebrates the spirit of the global credit union movement. It is an opportunity to reflect upon the credit union movement’s history, promote its achievements, recognise the hard work and share member experiences.

For further information, please contact Tipperary Credit Union on 062 80400

 

Top spot for Customer Experience for Fifth Consecutive Year

Credit Unions Win Best Customer Experience Award for Record-Breaking Fifth Consecutive Year

Credit unions have earned the number one spot for the best customer experience in Ireland for the fifth consecutive year. Tipperary Credit Union shares the award with 250 credit unions in the Republic of Ireland. The achievement is a world first, with no other organisation across the globe claiming the top spot for five years running.

The annual survey, carried out by Amárach Research for CXi, asks 2,500 Irish consumers to rate their customer experiences of 160 brands across ten sectors. Credit unions again emerged as the overall winners, being rated highly for integrity, empathy and for the commitment of their staff. Not only did credit unions come first overall, but they were also rated first by consumers for value and loyalty.

Credit unions were also the only financial services organisation to make it into the top 10. In contrast, the banks performed worse than in previous years, with AIB falling 51 places. Permanent TSB fell 43 places and KBC fell 30 places.

Commenting on the achievement by credit unions, Michael Killeen, Chairman of the CX Company, said: “We have to congratulate Irish credit unions for their consistently high performance and for completing the ‘Drive for Five’. It really is a fantastic achievement to remain the Irish leader in CX over a five-year period – and a world’s first. Many Irish companies, particularly those in the financial sector, could learn a lot from credit unions, especially their member or customer-centric approach.”

Also speaking about the accomplishment, Pat Shanahan (CEO) of Tipperary Credit Union said “We are proud to be part of a movement that is regarded so highly across the country for customer or member experience. Tipperary Credit Union has always provided the highest standard of member service, because we genuinely care about each and every one of our members. All of our products and services and every decision we make for the credit union is made at a local level with our members’ best interests firmly front and centre.”

“We will continue to always put our members first in everything we do. I would encourage anyone who has not yet become a member of our credit union to drop in and check out our award-winning customer experience for themselves. We are always happy to meet people from the community, if only for a chat and a cup of tea. Our offices on Emmet Street, Tipperary Town are open Monday to Saturday. We hope to see you there!”

 

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September Car Draw Winner 2019

September Car Draw Winner 2019

Congratulations to Mrs Breda Englishby of  Emly, Co. Tipperary our September winner of our Members Car Draw, Breda won a brand new Renault Clio!

If you haven’t signed up for the members car draw yet, simply call to any of our branch offices and fill out the Members Car Draw form. At only €24 per annum for six draws, our members car draw is exceptional value for money. Tipperary Credit Union’s car draw is exclusive to members only which gives you an even greater chance of winning one of the superb cars on offer.T&C’s Apply

 

 

Phone Line issue – Head Office

*** UPDATE *** Phone lines are back operational – thanks your for you patience.

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We are currently experiencing issues with our phone lines at our head office – if you need to contact us please do so at the following numbers

062 54595 (Bansha Office)

or Head Office 087 3377207 / 087 3440351

Sorry for the inconvenience

CU Online & PSD2

Important Information

  Newly Redesigned cu-online banking launching soon

We are glad to announce that we will be launching our new improved Cu Online+ in the coming weeks.  CU Online + has a new streamlined, modern design with extra features.  You will notice a new login page and a new responsive layout.

PSD2 Strong Customer Authentication

Strong customer authentication (SCA) is the process that validates the identity of you the user when you log in to access online and mobile banking, and for further services such as making payments or changing your address

From September 14th you will be asked for additional security credentials. We will be sending you notifications (via SMS) to ask you to confirm that you have authorised payments, logged in or wish to make changes to your accounts.  We will also implement additional fraud prevention measures.

What do I need to do?

To make this change easier, check that your mobile phone number and personal details are up to date on your CU Online profile, or you can call into your local office. For instructions on how to check your online personal details click on the link below: https://www.tipperarycu.ie/cu-online/how-to-up-date-your-personal-details-on-cuonline/

More information on PSD2 and SCA can be found by clicking on this link www.tipperary/psd2_sca

Third Level Education Loans

Third Level Education Loans

Smart Start Third Level Education Loans

third level loans

According to the ILCU*,

  • 8% of parents in Ireland who fund their child’s third level education will cut spending on clothing and goods for other children in the family to cope with costs.
  • More than a third are skipping lectures to work.
  • More than three quarters (78%) are struggling to meet these costs.

Tipperary Credit Union believe everyone should have a smart start at Third Level Education, especially when it comes to financing it.
Third Level Education comes with many fees and costs, often meaning students need accommodation away from home too.
At just 6.6% APR, the Tipperary Credit Union Smart Start Loan is one the most competitive on the market.

Key Benefits of a Smart Start Education Loan

  • Join and apply for a loan on the same day
  • Competitive loan rate
  • Easy application process
  • Flexible repayments designed to suit your needs
  • Free Loan Insurance (Terms & Conditions Apply)
  • No penalty interest for early settlement of loans
  • Repayments can be made weekly, fortnightly or monthly
  • Option to pay by Direct Debit

 How to apply?

Normal lending terms and conditions apply. Tipperary Credit Union is regulated by the Central Bank of Ireland.

What are the terms and conditions for a Smart Start Education Loan?

  • Tipperary Credit Union require that a parent/guardian sign as guarantor for all Smart Start Loans
  • Proof of Third Level attendance required
  • Normal lending terms and conditions apply. Must supply proof of income, proof of ID,
    proof of address (must be dated within the last 3 months) and proof of PPS number at loan application stage.*ILCU, 2019, ‘Half of parents cut spending on family’s clothing and goods to cope with third level costs’, 23/07/2019. https://www.creditunion.ie/news/latest-news/half-of-parents-cut-spending-on-family%E2%80%99s-clothing/

 

John Gaynor Memorial Student Scholarship Scheme

Tipperary Credit Union operates a Student Scholarship Scheme for members entering the first year of a recognised Third Level or Post Leaving Cert course.

The John Gaynor memorial scholarship is an open draw, and is not based on academic achievement. The draw is strictly supervised and controlled.

One lucky student each year qualifies for this scholarship worth up to €6,000. Anyone entering the draw will also be in with the chance of winning an iPad. Closing date the 1st of October.

For more information on the scholarship or to download the application form click on the link John Gaynor Memorial Student Scholarship Scheme

 

 

For information on our Back to School Loans for Primary and Secondary School click on the link: Start Smart Back To School Loans

 

 

back to school loans

Back to School Education Loans

Start Smart Primary and Secondary Back to School Loans

back to school loans

Back to School time can be a strain on parents financially. Covering all the school costs can be very difficult, especially if there is more than one child to consider.

  • Parents of primary school children are spending an average of €949* per child.
  • It is estimated it’s costing €1,399* per child for back to school supplies, for Secondary School Level.

Here at Tipperary Credit Union, we have put together a Start Smart Education Loan Package, for our members to help with the cost of back to school.

We believe that our members should have one less thing to worry about. Tipperary Credit Union Start Smart Education Loans have an APR of 6.6%,
making them one of the most competitive interest rates available.

Key Benefits of a Start Smart Education Loan

  • Join and apply for a loan on the same day
  • Competitive loan rate
  • Easy application process
  • Flexible repayments designed to suit your needs
  • Free Loan Insurance (Terms & Conditions Apply
  • No penalty interest for early settlement of loans
  • Repayments can be made weekly, fortnightly or monthly
  • Option to pay by Direct Debit

What are the terms and conditions for a Start Smart Education Loan?

  • The maximum loan amount permitted is €750 per school going child.
  • Confirmation will be required that the child is/will be attending either primary or secondary school.
    The following are acceptable forms of documentation: birth certificate, letter from school, book list.
  • The loan product may only be applied for between June and September.
  • Loan must be paid back by the 31st of July of the following year.
  • Normal lending terms and conditions apply. The parent/guardian must supply proof of income, proof of ID,
    proof of address (must be dated within the last 3 months) and proof of PPS number at loan application stage.

How to apply?

Loans are subject to approval. Terms & Conditions apply. If you do not meet the repayments on your loan, your account will go into arrears.
This may affect your credit rating which may limit your ability to access credit in the future. Tipperary Credit Union is regulated by the Central Bank of Ireland.

*ILCU, 2019, ‘How to Apply for a Back to School Credit Union Loan’, 23/07/2019. https://www.creditunion.ie/news/blog/how-to-apply-for-a-back-to-school-credit-union-loa/

 

For information on our Third Level Education Loans click on the link: Smart Start Third Level Loans

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July Car Draw Winner 2019

July Car Draw Winner 2019

Congratulations to Cyril and Una Ryan, Bansha Road, Tipperary Town our July winners of our Members Car Draw, Cyril and Una won a brand new Renault Clio!

If you haven’t signed up for the members car draw yet, simply call to any of our branch offices and fill out the Members Car Draw form. At only €24 per annum for six draws, our members car draw is exceptional value for money. Tipperary Credit Union’s car draw is exclusive to members only which gives you an even greater chance of winning one of the superb cars on offer.T&C’s Apply

 

 

Opening Hours
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New Branch Opening Hours

New Branch Office Opening Hours

Our new branch opening hours will commence the week of the 5th of August. The following branch offices opening hours are changing: Bansha, Doon and Plassey.

Bansha New Opening Hours:

We will no longer open on a Friday in our Bansha Branch Office. The branch will cease Friday services on the 2nd of August 2019.

New Opening Hours:

Thursday: 9.30a.m. to 5.00p.m.
Closed for lunch 12.30p.m. to 1.30p.m.

Saturday: 9.30a.m. to 2.30p.m.

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Doon New Opening Hours:

The branch will cease Wednesday services on the 31st of July.

New Opening Hours:

Thursday: 9.30a.m. to 5.00p.m.
Closed for lunch 12.30p.m. to 1.30p.m.

Friday: 9.30a.m. to 5.00p.m.
Closed for lunch 12.30p.m. to 1.30p.m.

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Plassey New Opening Hours:

The branch will cease late evening services on the 2nd of August 2019.

Monday: 9.30a.m. to 5.00p.m.
Open through lunch

Tuesday: 9.30a.m. to 5.00p.m.
Open through lunch

Wednesday: 9.30a.m. to 5.00p.m.
Open through lunch

Thursday: 9.30a.m. to 5.00p.m.
Open through lunch

Friday: 9.30a.m. to 5.00p.m.
Open through lunch

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Hollyford Branch

Please note the Hollyford Branch Office will cease operation from the 2nd of  August 2019.