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  • Why borrow with Link Credit Union? | Link Credit Union
    Life Savings Insurance Death Benefit Insurance Cheaper Insurance Nominations Membership What you Need Becoming a Member of Link Credit Union Ltd Dormant Accounts Benefits of Membership Benefits of being a member of Link Credit Union Ltd Benefits of a Credit Union The Difference Between Credit Unions other Financial Providers Savings Shares Savings Current Accounts Schools Saving Scheme Life Savings Insurance My BugetBuddy Resources CU Online Help Section Forms Downloads FAQS Links Contact Us Home Why borrow with Link Credit Union Why borrow with Link Credit Union Why borrow with Link Credit Union We offer Competitive interest rates Free loan protection insurance on eligible loans Interest is only charged on a member s reducing loan balance No hidden charges fees Flexible loan repayment arrangements to suit you No penalty for lump sum repayments or early loan repayment Flexible options for drawing down loans A quick decision is made and communicated to you by your preferred method For most loans the only documentation required is bank statements and payslips Most loan applications are approved with loan approval rates consistently over 95 Members in receipt of welfare payments can and do borrow with us Your Loan Application will be considered under your own

    Original URL path: http://linkcu.ie/why-borrow-with-link-credit-union/ (2016-02-11)
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  • Borrowing with Link Credit Union Ltd | Link Credit Union
    CU Anywhere Payment Methods Youth Community Youth Section Schools Quiz 2016 Scholarships Donations Insurance Loan Protection Insurance Life Savings Insurance Death Benefit Insurance Cheaper Insurance Nominations Membership What you Need Becoming a Member of Link Credit Union Ltd Dormant Accounts Benefits of Membership Benefits of being a member of Link Credit Union Ltd Benefits of a Credit Union The Difference Between Credit Unions other Financial Providers Savings Shares Savings Current Accounts Schools Saving Scheme Life Savings Insurance My BugetBuddy Resources CU Online Help Section Forms Downloads FAQS Links Contact Us Home Borrowing with Link Credit Union Ltd Borrowing with Link Credit Union Ltd Borrowing with Link Credit Union Ltd Members of the Link Credit Union Ltd who are members for at least three months with regular payments into their savings may apply for a loan for a productive purpose All loans are provided from the savings of other members Loan applications may be made at any time during the normal office hours or 24 7 online A decision on the application may be available the same day or will be available within the same week Members will be contacted by their preferred method A member will normally be expected to establish a regular pattern of savings before applying for a loan Members with small savings cannot expect to receive large loans Every loan application receives careful consideration and most loans over 95 are granted While the usual maximum term for loan repayment is five years there are certain loans which are regarded as Annual loans e g Holidays Student Christmas Car Tax Insurance etc Such loans should be fully paid within 12 months Large Home Improvement loans may be extended to a term of 10 years Link Credit Union Bailieborough Office Main Street Bailieborough Co Cavan A82 R982 Tel 042

    Original URL path: http://linkcu.ie/borrowing-with-link-credit-union-ltd/ (2016-02-11)
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  • How To Apply | Link Credit Union
    Forms Downloads FAQS Links Contact Us Home How To Apply How To Apply How To Apply How To Apply You can submit an online Loan Application Our member of our staff will then contact you in relation to your loan application Online applications will be dealt with the following working day Please note that you need to have registered for online account access in order to submit a loan application in this way You can download a Loan Application Form from our Forms Downloads menu complete it and return it to any Link Credit Union Ltd office with the required supporting Documentation Our friendly and dedicated staff members will be happy to assist you in your Loan Application process and answer any queries you may have You can phone us on 042 9675000 during office hours with your account number and a member of staff will happily take your Loan Application over the phone and advise you on the next step of the application process You can call into one of our Offices you will be given a loan pack and you can complete the loan application form from the comfort and privacy of your own home This pack can then be dropped back into one of our offices with the supporting documentation for assessment What we need All Loan Applications must be accompanied by the following documents before an application can be processed Recent Payslips Proof of Income Social Welfare Slips 3 Recent Months Bank Statements if you do not have a bank account please contact our office Signed Loan Application Form Form of ID if not already on file In some cases a Guarantor Security will need to be provided e g First Loans High Loans etc In cases where your own income is not enough to support

    Original URL path: http://linkcu.ie/how-to-apply/ (2016-02-11)
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  • The Irish Credit Bureau | Link Credit Union
    Ltd is a member of the ICB as we have a responsibility under Credit Union and consumer credit legislation to safeguard the assets of our Credit Union and ensure that members do not become over indebted For loan applications this means minimising the risk of default by obtaining as much information as possible on a member s financial situation in order to properly assess their ability to repay their loan in accordance with their loan agreement An ICB enquiry will greatly assist us in this assessment What we can see The ICB holds information about borrowers and their loans for 5 years after the loan is cleared This information is held in an individual credit record that is kept by ICB about each borrower Your credit record includes your name date of birth and address the names of lenders and account numbers of loans you currently hold or that were repayments made or missed for each month on each loan the failure to clear off any loan footprints from other lenders enquiring about your credit record within the last 12 months active within the last 5 years What information will the Credit Union give ICB The credit union provides the same information to ICB as other ICB members details in relation to the loan and its repayment history This does not extend to loans taken out or repayment histories prior to the credit union becoming a member of ICB However where a loan incorporates an existing loan i e a top up the new balance is the figure disclosed to ICB Confidentiality and disclosure of your personal information is subject to the Data Protection Acts 1988 2003 and the Credit Union Act 1997 What happens if I do not give consent Your loan application will still be processed but we

    Original URL path: http://linkcu.ie/the-irish-credit-bureau/ (2016-02-11)
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  • Difficulty with Loan Repayments | Link Credit Union
    Becoming a Member of Link Credit Union Ltd Dormant Accounts Benefits of Membership Benefits of being a member of Link Credit Union Ltd Benefits of a Credit Union The Difference Between Credit Unions other Financial Providers Savings Shares Savings Current Accounts Schools Saving Scheme Life Savings Insurance My BugetBuddy Resources CU Online Help Section Forms Downloads FAQS Links Contact Us Home Difficulty with Loan Repayments Difficulty with Loan Repayments Difficulty with Loan Repayments If you are in financial difficulty meeting your loan repayments we have a dedicated Credit Control team to help you If your circumstances have changed we can work together to help you manage your debts So if you are in financial difficulty please contact our Credit Control Team Phone 042 9675000 and press the Credit Control Option from our menu Email creditcontrol linkcu ie By contacting Link Credit Union at an early stage we will be in a much better position to assess the situation and offer you some guidance and assistance Credit Control may ask you to provide them with revised income and expenditure details NOTE Please do not ignore our correspondence to you as failure to do so may affect your credit rating and may

    Original URL path: http://linkcu.ie/difficulty-with-loan-repayments/ (2016-02-11)
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  • CU Online | Link Credit Union
    Online CU Anywhere Payment Methods Youth Community Youth Section Schools Quiz 2016 Scholarships Donations Insurance Loan Protection Insurance Life Savings Insurance Death Benefit Insurance Cheaper Insurance Nominations Membership What you Need Becoming a Member of Link Credit Union Ltd Dormant Accounts Benefits of Membership Benefits of being a member of Link Credit Union Ltd Benefits of a Credit Union The Difference Between Credit Unions other Financial Providers Savings Shares Savings Current Accounts Schools Saving Scheme Life Savings Insurance My BugetBuddy Resources CU Online Help Section Forms Downloads FAQS Links Contact Us Home CU Online CU Online CU Online CU Online CU Online is the name of the online service provided to you by Link Credit Union This service offers a wealth of online features and benefits To make use of this new service you can register for a PIN now or log in via the links at the top of the screen Benefits Include Check account balances and transactions Full Online Statements Apply for Loans Online Check loan approvals Calculate loan repayments Secure messaging to the Credit Union Security Features Protection of your personal data using SSL Secure Socket Layer encryption Industry wide strong level of encryption Secure sign in Three tiered login for additional levels of access and security 8 digit PIN and Password as per industry best practice guidelines upgrade from 4 digit pin Firewall protection to stop unauthorised access and protect the information on your systems Time out facility which automatically signs you out after a period of inactivity to continue banking online simply sign in again Secure Messaging all account specific member communication is sent through a secure channel in CU Online PINs issued by secure pin mailer with accompanying letter Link Credit Union Bailieborough Office Main Street Bailieborough Co Cavan A82 R982 Tel 042 9666009

    Original URL path: http://linkcu.ie/cu-online/ (2016-02-11)
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  • CU Anywhere | Link Credit Union
    a Member of Link Credit Union Ltd Dormant Accounts Benefits of Membership Benefits of being a member of Link Credit Union Ltd Benefits of a Credit Union The Difference Between Credit Unions other Financial Providers Savings Shares Savings Current Accounts Schools Saving Scheme Life Savings Insurance My BugetBuddy Resources CU Online Help Section Forms Downloads FAQS Links Contact Us Home CU Anywhere CU Anywhere CU Anywhere CU Anywhere Members can now download the CU Anywhere App to their smartphone or tablet It s fast simple and secure allowing you to stay on top of your Credit Union banking when it suits you CU Anywhere is the number 1 app for giving you complete control of your credit union funds Beat the queues and do your transactions while on the go or from the comfort of your own home To use our CU Anywhere App you must first register for CU Online Banking Download our App CU Anywhere from Google Play Store or Apple App Store Your Log In Details for the CU Anywhere Mobile App username pin and password are the same Log In Details you will use for CU Online Banking Benefits CU Anywhere gives you the ability to Access your account from anywhere 24 7 Pay bills at a time convenient to you Transfer funds to different accounts View your account balances View your transaction history Features Communications One touch voice call to Link Credit Union Quick link email to Link Credit Union Social Media RSS News feed to smartphone from CU Website Quick Link to our Website Quick Link to our Facebook page Quick Link to our twitter feed Two Stage Secure log in Accounts Access View account balances View account statements Receive secure messages from the Credit Union Online Payments Make payments to external accounts Pay

    Original URL path: http://linkcu.ie/cu-anywhere/ (2016-02-11)
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  • Payment Methods | Link Credit Union
    You can avail of the express lodgement facility in our office by posting your lodgement in the express lodgement box Counter Call into us and speak to a human ATM Card CU 247 ATM cards can be requested upon completing a CU 247 Application Form You can download a form from our downloads menu The completed form should be returned to any Link Credit Union Ltd Office You will then receive a four digit PIN number via postal services within a 2 week period Once you have received your PIN you call into a Link Credit Union Ltd Office to collect your CU 247 ATM Card This ATM Card can be used at the ATM Machine outside the Link Credit Union Ltd Office in Bailieborough 24 7 Payroll Deduction Link Credit Union Ltd will be able to receive payments directly from your employer You can chose to have all your wages paid directly into your Link Credit Union account or you can choose to have a set amount coming in each wage day You can either provide your wages department with your account details IBAN BIC Code or you can call into a Link Credit Union Office and we will complete a Wage Deduction Authorisation form for you and send it to your employer on your behalf Pay Point PayPoint s household bill payment service offers a more convenient and faster means to pay your essential household bills As well as providing mobile phone top ups for major mobile networks and top selling international calling cards PayPoint serves all five major utilities in Ireland Bord Gais customers can pay their bills Electric Ireland customers can buy electricity meter tokens or make regular bill payments while Eircom UPC and Vodafone customers can also pay their barcoded bills using our PayPoint facility in our Bailieborough Office Foreign Currency Exchange You can purchase your Foreign Currency from any of our Link Credit Union offices We will hold a small stock of popular currencies in our offices however we advise members to give a couple of days notice when requesting foreign currencies in case our stock levels are low or they are ordering a large amount You can check our daily foreign currency rates by clicking HERE You also have the ability to electronically transfer funds to different countries worldwide You can transfer Euro amounts or the required foreign currency In order to do electronic transfer of foreign funds you need to bring with you the IBAN number BIC Code and account details of the payee Members may also need to have Identification for their Credit Union account before they can proceed with Electronic Foreign Currency Transfers Current Accounts You can set up a Direct Debit or Standing Order to transfer funds directly into your Credit Union Current Account Each Current Account will have its own IBAN and BIC code this will mean that any funds transferred will be lodged directly into your account The IBAN and BIC codes may also be used to

    Original URL path: http://linkcu.ie/payment-methods/ (2016-02-11)
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