Register for Online Banking
As a member you can enjoy free Online Banking with MFCU.
Become a Member
You can join us online through our all new digital membership application. Verify your ID and upload your documents remotely.
Life is full of unexpected twists and turns. And though we do our best to plan for the road ahead, we never know what’s around the corner. As a member of Member First Credit Union you have access to some great insurance deals from various suppliers for:
When you join Member First Credit Union, you’ll be asked to nominate a beneficiary on the application form. The person nominated will benefit from your shares when you die.
It is therefore important for you to update this form to ensure that it reflects any change in his / her status. If your nominated beneficiary dies before you, then another beneficiary should be nominated. It is important that you update your nomination in the case of a change in marital status, as the original nomination becomes invalid once you married.
Please contact your local branch to ensure you have completed a nomination form.
Loan Protection Insurance is provided by the Credit Union at NO extra cost. So, you can borrow from us in full confidence that your dependents will not be obliged to repay any outstanding loan balance. This insurance is only available to members who join us before the age of 70.
Any credit union member is eligible for Loan Protection insurance provided that:
If a member dies within 6 months of receiving a loan, and the cause of death was a **Pre-Existing Condition / illness, no insurance will be paid on the loan balance. A Pre Existing Condition / illness is one you were aware of, diagnosed with or were being treated for 6 months prior to the loan date.
*Terms and conditions apply. ** Pre-Existing Conditions; when making a loan application, borrowers are asked to complete a Pre-Existing Condition Limitations Form to alert the credit union to any pre-existing conditions they may have. Borrowers are covered for any pre-existing conditions after six months of the loan being issued. All statements relating to health must be made in good faith. Incorrect or dishonest information may result in a denial or reduction of insurance benefits
This is a FREE life insurance cover provided by Member First Credit Union to all eligible members as an additional incentive to save regularly and maintain savings with the Credit Union. It means your dependents will receive a financial sum in the event of your death. This insurance is only available to members who join us before the age of 70.
You’re eligible for Life Savings Insurance provided that:
Any lodgements made by a member with a pre-existing condition / illness 6 months prior to their death will result in no extra insurance being paid out on their life savings insurance.
A pre-existing condition /illness is one you were aware of, diagnosed with or were being treated for 6 months prior to your death.
For more information conditions, please contact your local Credit Union.
* Terms and conditions apply.
The amount of insurance benefit which an insurable member is entitled to is in direct proportion to their savings and their age. Once earned, the insurance remains in place provided you leave your savings with the Credit Union. Withdrawals may affect the amount payable.
AGE AT DEPOSIT |
AMOUNT SAVED |
SAVINGS INSURANCE COVER |
6mths to 54 yrs |
Every €1 saved |
You get €1.00 cover per €1 saved |
55 to 59 yrs |
Every €1 saved |
You get €0.75 cover per €1 saved |
60 to 64 yrs |
Every €1 saved |
You get €0.50 cover per €1 saved |
65 to 70 yrs |
Every €1 saved |
You get €0.25 cover per €1 saved |
This is subject to a maximum of €5,000
Member First Credit Union is pleased to offer members a Death Benefit Insurance Programme to assist with end of life expenses. In summary, this programme provides: €2,300 fixed life assurance cover, payable on your death. No medical is required.
Member | Current Age | Age next birthday | Programme Eligibility |
A | 70 | 71 after 1st January | Eligible |
B | 70 | 71 before 1st January | Not Eligible |
Once you join the Program you remain a member of the Program, which auto-renews on an annual basis, until such time as you choose to opt-out of the Program, or you stop paying the premium or your membership of the Credit Union ceases. You can opt out of the program by completing the cancellation form which can be found below under the documents section.
We are delighted that Member First Credit Union can provide this insurance, as it demonstrates our commitment to our members. If you have any questions, our team are on hand at all our branches and on the phone, and they will be delighted to help you.
This policy is arranged, on behalf of Member First Credit Union by Cuna Mutual Group Services (Ireland) Limited which is regulated by the Central Bank of Ireland. This Program is underwritten by Utmost PanEurope dac, a designated activity company registered in Ireland (No 311420) and authorised by the Central Bank of Ireland with registered office at: Navan Business Park, Athlumney, Navan, Co Meath. Member First Credit Union is regulated by the Central Bank of Ireland