• Subject to underwriting criteria, terms and conditions
• Rate applies to new loans that are fully secured by shares for duration of loan agreement
• Maximum Loan Amount €100,000
• 1 Month Minimum Term
• Maximum Term of loan 10 years
• Repayment Frequency – Weekly, Fortnightly, Monthly
• Loans are insured at no direct cost to all eligible members
• Loans can be topped up at this special reduced interest rate provided the total loan remains fully secured by shares for the duration of the loan.
• Members who top up their existing loan which results in their total borrowings exceeding their share balance, will no longer be eligible to avail of the special rate of 5.47% (5.61% APR*). The standard Personal Loan rate 8.57% (5.61% APR*) will apply.
• Any share withdrawal request that would result in the loan balance exceeding the share balance will require a new Credit Agreement to be drawn up at the Personal Loan Rate.

*The Annual Percentage Rate (APR) included is an example only; this APR example is based on a €5,000 loan over a period of 12 monthly repayments.