A key aspect of the ethos of the credit union is encouraging members to get into the habit of savings and to improve their financial situation.
This is reflected in the range of savings accounts which we offer for both adult members and junior depositors.
Our Vision
to be the primary financial institution for our members and to bring our services to more people within our common bond
Our Mission
to support our members by providing them, on a not-for-profit basis, with quality financial services in a friendly, professional manner so as to help them achieve their financial goals. We seek to provide ultimate member satisfaction whilst maintaining financial stability
Business Aims
The following aims will help the credit union to achieve its overall mission
To promote thrift among members and to educate them in the wise use of money
To provide sources of credit for the benefit of our members at a fair and reasonable rate of interest for provident and productive purposes based primarily on their capacity to repay
To provide good governance and be regulatory compliant at all times
To maintain financial viability and to generate surpluses to meet provisioning and reserve requirements
To ensure that the credit union systems and controls are up-to-date and adequate to enable us to meet the needs of our members in an efficient and professional manner
Values
The values held by Ballinascreen Credit Union are based on the credit union operating principles adopted by the Irish League of Credit Unions. These principles are founded in the philosophy of cooperation and its central values of equality, equity and mutual self-help.
Open and voluntary membership
Democratic control
Return on savings and deposits
Return of surplus to members
Non-discrimination in race, religion and politics
Service to members
Ongoing education
Co-operation amongst co-operatives
Social responsibility
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