Representative Example: A Community Loan Secured of €200,000, with a variable interest rate of 5.25% (APR 5.38%), over 15 years would have 180 monthly repayments of €1,607.95. Total cost of credit of €89,412.30. Total amount repayable of €289,412.30.
This loan has been designed to offer local community groups, organisations, and charities access to capital to help make their vision become a reality. This loan has been developed to support projects and initiatives within the following areas: sport and recreation, culture and heritage, the arts, health of the community, natural environment projects and youth, welfare, and amenities.
No penalties for early or lump-sum repayments
Flexible repayment options
Borrow up to €400,000
Repayment terms up to 20 years, depending on amount borrowed
Representative example
Fair pricing from your local credit union!
Community Loan Secured
- Secured rate of 5.25% (5.38% APR).
- Maximum loan is €400,000 per borrower.
- Maximum term is 20 years.
- No penalty for early repayment.
- Flexible repayment options.
Community Loan Unsecured
- Unsecured rate of 6.00% (6.17% APR).
- Maximum loan is €100,000 per borrower.
- Maximum term is 10 years.
- No penalty for early repayment.
- Flexible repayment options.
Representative Example: A Community Loan Unsecured of €50,000, with a variable interest rate of 6.00% (APR 6.17%), over 10 years would have 120 monthly repayments of €555.17. Total cost of credit of €16,617.35. Total amount repayable of €66,617.35.
Examples correct as at 02/04/2026
How do I enquire?
What you need to avail of our incredible offers.
Ready to apply?
Please note: You must be at least 18 years old to apply for a loan.
Have questions or need assistance?
Email: loans@fccu.ie
Call: 094 902 2969
