First Choice Credit Union Swinford

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First Choice Credit Union, Main St, Swinford, Co Mayo

Contact Details:

Telephone Number: 094 90 22969



Opening Hours:

Mon: Closed

Tues:  10.15 a.m. to 17.15

Wed:  10.15 a.m. to 17.15

Thurs:10.15 a.m. to 13.30

Fri:      10.15 a.m. to 17.15

Sat:     10.15 a.m. to 13.30

Sun:  Closed

Lunch:  1.30 p.m. to 2.30 p.m. Tues, Wed & Fri

Did you know:

First Choice Credit Union is a local, not for profit financial institution. We specialise in providing a safe place for savings, loans and much more in our community. Established in 1988 as Swinford & District Credit Union, SDCU transferred to First Choice Credit Union in 2021. The Credit Union is proud of its heritage and continues to be governed by our members and voluntary Board of Directors.

A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. We offer members the chance to have control over their own finances by making their own savings work for them. Our credit union is owned by the members — the people who save and borrow with it — people like you.

Services Offered:

Savings: Saving is a good idea and saving with First Choice Credit Union is an even better idea. You are not ‘just another customer’, but a member of a highly successful financial co-operative, which provides security and protection for your savings, along with an annual dividend. When you save with us you are also building a history which will be taken into account in the future should you wish to apply for a loan. The money you save with us is used by the credit union to fund the loans we makes to members. By saving with us you are indirectly helping your neighbours and the community to develop.

Loans:  Why a First Choice Credit Union Loan is different, we are open for loans small and large, the process is straight forward and you get a quick decision, there are no hidden fees or transaction charges, our interest rates are very competitive, your credit union loan is insured – subject to terms and conditions – at no direct cost to you. We have personal loan rates starting from 5.90% (APR 6.06%) and Home Loans i.e. Mortgages, from 4.00% (APR 4.07%).

Loans are subject to approval. Terms & Conditions apply.

Current Account & Debit Card: Current Account from your Credit Union is a fully serviced current account which includes a globally accepted Mastercard® Debit Card with Standing Orders, Direct Debits, the option of an Overdraft facility, cashback facility, digital wallets (Apple Pay, Google Pay and Fitbit Pay) and free Contactless Payments.

Members of First Choice Credit Union can open a Current Account Online or in any of our local offices.  New Members are always welcome in First Choice Credit Union and the Current Account is also available to all new Members. The new Current Account has simple and transparent pricing. A low monthly fee of €4.00 applies and that covers unlimited euro point of sale and contactless transactions, unlimited mobile and online banking and unlimited standing orders and direct debit processing and up to five ATM withdrawals per month.

Additional Services: Online Banking & Mobile App, Insurance, Free Financial Planning via Irish Life, Foreign Exchange.

Become A Member

Swinford’s community based credit union formed by Swinford people to help Swinford people, we look at things differently!

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