Overdrafts

Deal with unexpected expenses

An overdraft is a short-term way to borrow money on your current account and can help in months where things get a little tight e.g. if you receive a higher than expected bill and need a bit longer to repay it.

You can apply for an overdraft on your Current Account from €500.00 up to a maximum of €5,000.00.

The interest rate is 12% pa variable (12.68% APR). Interest is only charged on overdrawn balances. Your credit union does not currently apply surcharge interest (surcharge interest is charged by some Financial Institutions on unauthorised overdrawn balances.

An overdraft fee of €25.00 is charged on approval and on each anniversary of the overdraft approval date. Overdrafts are subject to financial status and are not available to persons under 18 years of age.

How to apply

Interested in applying for an overdraft?

  • Apply online via our online banking page Click Here . Below is an image of what you will see:

Please note you must have a Current Account and have registered for Online Banking to apply for an Overdraft online.

  • Alternatively, you can call to any branch office. Click on the link for branch office opening hours Click Here

We are here to help

At Tipperary Credit Union we pride ourselves on our customer service. The support section provides plenty of useful information regarding Current Account questions and issues and details on how to contact us.

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