Deposit Accounts

A member must have a minimum of €63.50 in a share account before opening a deposit account with the credit union. The maximum amount that can be held on deposit is €100,000.

12 month Deposit Account – Earn 1% (AER) interest

Please note there is limited availability on this product.

  • Lodgements must be between €3,000 & €100,000*.
  • One lump sum lodgement is allowed per account.
  • Interest rate is fixed at 1% per annum.
  • Interest is paid on condition that the account is held to the full term. Where the account is closed early, interest is limited to 50% of the fixed interest rate.
  • Interest is calculated and accrued each day based on the balance in the account.
  • Interest will be paid at the end of the term of the account.
  • Deposit Interest Retention Tax (DIRT) will be deducted from the interest when applied.
  • To open this account the member must be aged 18 or over.
  • The account holder must hold €63.50 in a Share Account before opening a deposit account.
  • Any withdrawal from the account will have the effect of closing the account, and withdrawals may be subject to 21 days notice.
  • This account carries no life cover/insurance.
  • This offer has limited funds available at the 1% fixed rate. Health Services Staffs Credit Union has the right to withdraw this rate at any time without notice.
  • The credit union may at any time without notice to the member offset and apply any credit balance in the account towards payment of any loan which may be in default and where the member has failed to respond.
  • The credit union reserves the right to vary these terms and conditions if there is any change in the prevailing legal, tax or regulatory notice.

Please contact us for a full list of terms & conditions.

*Combined lodgements to this or any other accounts held in this credit union including Shares cannot exceed €100,000.