Our aim is to provide our members with the best member experience through individual attention and a safe, empathic environment to save and borrow for your future. We are committed to providing you with clear information on products that meet your needs. We will always endeavour to put ourselves in our “members shoes” to make sure we are providing the best possible experience.

Our Online Promise:

  • We will provide a safe and secure online service to members who wish to access their accounts, complete transactions or submit applications online;
  • We will always try to endeavor to have an efficient online service, within our resources, to revert to you within 1 working day in regard to online applications or queries;
  • For online applications and queries, we will where possible contact you via email or text unless otherwise requested
  • We will ensure that all correspondence contains a contact name, telephone number and email address;
  • Gurranabraher Credit Union will protect your personal data and will not share it with any 3rd Parties without your express consent
  • Gurranabraher Credit Union will only introduce new technology where it can be demonstrated that it will improve members experience
  • We will never ask you to share account numbers, passwords or Personal Identification Numbers (PINs) over the online
  • We will operate a first contact policy, through our online service, where we will endeavor to have your query dealt with immediately. If that’s not possible we will explain why and pass you on the appropriate member of Staff or Manager. By Phone
  • We will operate a first contact policy, through our information desk, where we will endeavor to have your query dealt with by the person who answers you call. If that’s not possible we will explain why and pass you on the appropriate member of Staff or manager.
  • We will answer your call as promptly as possible – our aim is to answer all calls within 15 seconds;
  • We will always identify ourselves when answering the phone;

 

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Safe, Strong & Secure

Background

Gurranabraher Credit Union was founded in 1963 in the basement of the Church of the Ascension Gurranabraher. From small beginnings Gurranabraher Credit Union has grown to a current membership of 15,000 members.

Financial

Gurranabraher Credit Union has grown over the years to an asset size of €97 million in September 2017. Over the 10 years since 2008 Gurranabraher has generated a surplus of over €16 million, and Gurranabraher Credit Union has distributed just over €10 million of this surplus back to the members in this period in the form of dividends and interest rebates.

Gurranabraher Credit Union also has a very strong capital base. Gurranabraher Credit Union maintains the required 10% regulatory reserve, and in addition has prudently accumulated an additional €8 million, or over 8%, in additional reserves. Gurranabraher Credit Union now has a very strong overall capital level of 18.27 % in total reserves, with a value of €17.75 million.

Operational

Gurranabraher Credit Union operates from two modern premises on Bakers Road in Gurranabraher and Harbour View Road in Knocknaheeny. In addition, members can access their accounts 24/7 via our internet banking facilities and on their smart phones. All member accounts at Gurranabraher Credit Union are IBAN enabled which allows members to utilise extensive electronic payment services such as receiving wages and state payments and making electronic payments. Members can access their accounts and transact online at www.gcul.ie

Community Support

Gurranabraher Credit Union operates an extensive community sponsorship programme which provides support to many local clubs, societies, individuals and schools in the local community. Gurranabraher Credit Union has provided €0.5 million in sponsorship support to the local community in the last 10 years. Gurranabraher Credit Union is very proud of the role it plays in supporting the local community and sees this programme as an integral part of the Credit Unions role in the local community.

Thank you for choosing Gurranabraher Credit Union to be your trusted financial partner.  Together, as a cooperative, we can make a difference in the lives of our families and the health of our communities.

History

More than 50 years in the making.

Your Credit Union in Gurranabraher has been a trusted neighbour and the financial partner of choice for our members since 1963.  With all that has evolved since our founding, one thing remains constant – our central focus is our members and the communities in which we serve.

Join us for a nostalgic look at notable milestones

  • 1963 – Founded in basement of the Church of Ascension.  Those present included Mr. Sylvester Murphy Snr, Mr. Sylvester Murphy Jnr, Mr. Jerry Nagle, Mr Denis Burke, Mr Denis O Sullivan, Mr. Denis Murphy, Mr. Paddy Ford, Mr. Jim Hessey, Mr. Jerry Maloney, Mr. Michael Maloney, Mr. Hugh McCarthy & Mr. Michael Baldwin
  • 1970 – Moved to current address in Bakers Road
  • 1988 – First computerisation of member accounts
  • 1992 – To accommode the increase in services, new building completed on Bakers Road
  • 2006 – Building upgraded again improve services to members
  • 2007 – Knocknaheeny/Hollyhill Office opened
  • 2009 – First Electronic Payments processed
  • 2013 – Celebrated 50th Anniversary
  • 2014 – Upgraded IT System

We thank our members for joining us on this journey and we look forward to serving you for generations to come!

Mission

To provide a friendly, courteous and complete financial service at competitive rates to our members for the overall benefit of our community, and to promote best practice in everything we do.

Vision

Our vision is to be the most preferred and trusted financial services provider in Cork.

CU Difference

Why Gurranabraher Credit Union is different than a bank.

The terms ‘credit unions’ and ‘banks’ are often used interchangeably.  Although both are financial institutions, there are unique differences between the two.

The credit union motto is “Not for Profit – Not for Charity – but for service” and this philosophy extends to the communities in which credit unions operate.  Credit unions and their employees get involved in community charitable activities by donating money, time and resources.

Not for Profit

Credit unions exist to help people, not make a profit.  They are not-for-profit cooperatives, owned by the members who save and borrow there. Credit unions are an economic democracy with each credit union member having equal ownership and one vote, regardless of how much money a member has on deposit.  At a credit union, every account holder is both a member and an owner.

Cooperative

Banks are community, regional, or national for-profit business corporations owned by private investors and governed by a board of directors chosen by stockholders.  Credit unions seek to promote the financial well-being of their members through a system that is cooperative and volunteer directed.  Unlike banks, they do not pay stockholders.  Instead, earnings are returned to members in the form of dividends or interest rebates if approved by the Credit Unions board of directors.   Each credit union is governed by a volunteer board of directors, elected by and from the credit union’s membership.

Membership

Membership is available to people who live, work, or attend school in the common bond of the Credit Union.  Gurranabraher Credit Union is community based which means if you live, work, attend school or do business in Gurranabraher, Hollyhill, Knocknaheeny, Shanakiel & Sundays Well area – you are eligible for membership.

Bakers Road
gurranabraher_credit_union

Mon      9:30am – 5:00pm
Tues      9:30am – 5:00pm
Wed      9:30am – 5:00pm
Thurs    9:30am – 5:00pm
Fri         9:30am – 5:00pm(Open until 7 for New Loan Applications)

Sat        9:30am – 1:00pm

 

Knocknaheeny

KnocknaheeneyMon      Closed
Tues      Closed
Wed      9:30am – 1:00pm  | 2:00pm – 5:00pm
Thurs    9:30am – 1:00pm  | 2:00pm – 5:00pm
Fri         9:30am – 1:00pm  | 2:00pm – 5:00pm
Sat        9:30am – 1:00pm

Volunteering at the Credit Union

volunteerThe Credit Union spirit of co-operation and community development is perhaps best demonstrated through the incredible contributions of thousands of volunteers at director, committee and local Credit Union level, who selflessly give their time and energy to the Credit Union movement. Gurranabraher Credit Union exists for the benefits of its members.

It is staffed by members for members.  We rely a great deal on the services of our valued volunteers who commit tirelessly to the success and sustainability of our Credit Union. These volunteers sit on the various Committees and our Board of Directors, so they are fundamental to our past, present and future.  An individual can develop both personally and professionally by volunteering.  The benefits of Credit Union volunteering include:

  • Gaining skills and experience with a professional financial service provider
  • Education and training
  • Personal development
  • Meet new people from the community
  • Work on developmental and business projects
  • Give something back to the community

Finance, information technology, management and communications skills are particularly welcome.  However, any ability to make a contribution is appreciated. There are policies and training in place to support volunteers in their roles. In addition to the induction training programme for all new volunteers, ongoing training is available and people are encouraged to develop various skills. Credit Union committees offer an excellent starting point for new volunteers. These committees provide experience, learning and an active role within the credit union. Once a volunteer has served the Credit Union at committee level for a period of time, and training needs have been identified and addressed, you can move into a director or supervisor position.

The Credit Union reserves the right to refuse a person as a volunteer and where appropriate will give a reason for that refusal as Community Credit Union is bound by the standards of Fitness & Probity, issued by the Central Bank of Ireland.

Talk to us and find out what your potential contribution could be. We need people like you!

Apply online today, or phoning 021 4303394.

People helping people

CommunityBeing part of this community, we understand the unique challenges our people face and we remain ready to support our community through ongoing sponsorship of local charities and organisations.

How to request sponsorship

  • Complete our online application or download an application form and submit completed form
  • The Community Development Committee will review your application
  • A decision will be communicated to your group
  • Payment will be made by EFT to either your Credit Union Account or financial institution of your choice (BIC & IBAN required)

Please note only completed sponsorship requests will be considered.  Sponsorship request packages may be submitted in person at any of our branches, via our online application process or to info@gcul.ie, or via mail to:

Gurranabraher Credit Union
Sponsorship Committee
Bakers Road
Gurranabraher
Cork
T23 AW26

Media information

PressWe welcome inquiries from the media and are happy to provide additional information, visits, and interviews with our knowledgeable and experienced staff for news articles.

Media Contact:

Liam O’Doherty
Gurranabraher Credit Union
Bakers Road
Gurranabraher
Cork

T23 AW26

Phone: 021 4330394
Email: liam@gcul.ie

To view a full list of press releases, visit our News & Events section.

At Gurranabraher Credit Union, the Board of Directors, management and staff make protecting your privacy and web security a priority.

We recognise that preserving your trust includes protecting your personal and financial information. We do not share any information with third parties other than what is necessary to provide you with the services or products you have requested, or is required by law, or to protect ourselves against fraud.

Privacy Notice

Gurranabraher Credit Union’s single purpose is to provide you with financial products and services to meet your financial goals.  We intend to offer you diverse financial services including competitive products made available by our strategic relationships with other institutions or service providers.  We believe these are the reasons you do business with Gurranabraher Credit Union.  We also believe you do your financial business with us because we have a strong history of protecting our members’ privacy.

We are required by law to give you this notice with our privacy policy –see below.  It describes our policies and practices that protect your privacy and enables us to share information to make available competitive financial products and services.  These practices are followed by the credit union.  If you have any questions about our policy, please contact us.

Privacy Statement
Gurranabraher Credit Union Ltd

1. Who we are
We are Gurranabraher Credit Union Ltd (we” or “us”). We are committed to protecting and respecting your privacy.
This statement sets out the basis on which any of your personal data is processed by us.

Please read the following carefully to understand our views and practices regarding your personal data and how we treat it.
We are a data controller for the purpose of the Irish Data Protection Acts 1988 and 2003(“Acts”).

2. Information we may collect about you
We may collect and process the following information about you:

  • Information provided at the time of registering to use our online credit union services.
  • Information that you or others provide by filling in forms on our website or which you or they otherwise provide to us.
  • Any instructions we accept from you or transactions we undertake to which you are a party, whether through our website, branches or otherwise.
  • If you contact us, we may keep a record of that correspondence.
  • Telephone calls may be recorded. This is to verify your information, for our staff training, regulatory and for service quality purposes.
  • Information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

3. Use of Cookies
We may obtain information about your general Internet usage by using a cookie file which is stored on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve our website and to deliver a better and more personalised service. Some of the cookies we use are essential for the Website to operate.

You block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be to access all or parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit the website.

4. What we do with your information
We use information held about you in the following ways:

  • to provide credit union and other related services, products and facilities to you;
  • to assess eligibility and credibility for the services, products and facilities we offer;
  • to implement any contracts we have entered into with you; and
  • to conduct credit searches with credit reference agencies in order to provide credit facilities and, where necessary, for fraud prevention and debt recovery.

We may also use information about you to notify you about changes to our services to which you have subscribed or to provide you with information about products or services that you request from us or, where you have agreed to us doing so, which we feel may interest you.

We may use anonymised or statistical information to analyse our website and services and to make improvements or other adjustments to them.

5. Where we store your personal information
It is possible that some of the information about you that we hold may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us, one of our suppliers or someone else. For instance, if it is necessary to do so to complete a transaction, your personal information (e.g. name and account details) may be sent to a third party or one of our contracted supplies outside the EEA.

By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy statement.

6. Security for CU Online
All information you provide to us through CU Online is stored on secure servers. Any payment transactions undertaken through CU Online are encrypted using SSL technology.

You must keep your PIN, Password and Username for CU Online, and any other security device we give you, safe and secure.

You should log off CU Online and your Online Account when finished using CU Online.

The use of the Internet, by its nature, is not always secure. As a result, while we have reasonable IT security measures in place, we cannot guarantee the security or privacy of communications made over the Internet including any related to CU Online, the Online Services or your Online Account.

You are responsible for providing all you require to safely and properly access and use CU
Online and the Online Services including a computer, an Internet connection and security software.

7. Your Rights

You have rights under the Irish Data Protection Acts 1988 and 2003.

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes.

You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at info@gcul.ie.

You also have the right to access information held about you. Your right of access can be exercised in accordance with the Acts. Any access request may be subject to a statutory fee to meet our costs in providing you with details of the information we hold about you.

8. Changes to our Privacy Statement
Any changes we may make to our privacy statement in the future will be posted on this page.

9. Contact us

Questions, comments and requests regarding this privacy statement are welcomed and should be addressed to info@gcul.ie.

What Members Can Do to Help

Gurranabraher Credit Union is committed to protecting the privacy of its members and customers. You can protect yourself by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords.
  • Never keep your PIN with your ATM card, debit card which can provide free access to your accounts if your card is lost or stolen.
  • Create a strong password for your online accounts. For help on creating a strong password click here.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons.
  • If someone contacts you via telephone or email explaining they are contacting you on behalf of the credit union, and asks for your account number, you should beware.  Official credit union staff will have access to your information and will not need to ask for it.
  • Keep your information current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know. Contact details update form

Contacting Gurranabraher Credit Union
Gurranabraher Credit Union
Bakers Road,
Gurranabraher
Cork
T23 AW26

Phone: 021 4330394
Email: info@gcul.ie
Please do not hesitate to call us if you have any questions – we are here to serve you!

*If you prefer to communicate through email please note that information sent through email is not secure. Please DO NOT SEND CONFIDENTIAL INFORMATION (account number, social security number, PIN number, etc.) through email.