Saving Is Easy

Savings provide you with independence, peace of mind and the strength to withstand unexpected emergencies in your life. Save a little, often and watch your balance grow.

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The Basics of Saving With Affinity CU

Our many benefits include:

No hidden fees or charges

Saving is easy with our various payment methods.

24 hour/365 access to your funds with Online Banking and Mobile App

We offer access to Life Savings Benefit on a FREE-TO-MEMBER basis.

Our main savings accounts are called shares. As a shareholder, you have a say in the Credit Union’s operations.

Be part of a financial co-operative supporting the community

Payment Methods

Savings made easy

SEPA Payment

SEPA Payment

Affinity Credit Union is registered for SEPA payments and your account with Affinity CU has it’s own individual IBAN. Set this up as a payee with your bank and create a regular standing order.

Direct Debit Payment

Direct Debit Payment

We can set up a Direct Debit from your bank account to facilitate regular savings. You choose the amount, the date and the frequency.

Online Card Payment

Online Card Payment

Anytime, anywhere, login to your account through Online Banking and make a debit card payment instantly into your account.

Telephone Card Payment

Telephone Card Payment

Monday to Saturday, during office hours, you can phone us, and we can take a lodgement by debit card securely over the phone.

In Branch

In Branch

We have five branches where we can accept cash, card or cheque lodgements, during opening hours.

Life Savings Benefit

Life Savings Benefit is cover provided to Affinity Credit Union members on a FREE-TO-MEMBER basis. Life Savings Benefit is payable on the death of the eligible member, subject to policy terms and conditions.
The amount of benefit to which a member may benefit from is subject to the savings balance and member’s age at date of death.


Credit unions have a nomination facility whereby if you are over 16 years of age, you can nominate someone to receive the property of your credit union accounts upon your death. This is of benefit if the member dies without leaving a will as the property left in the credit union will not have to pass through the, sometimes timely, intestacy process.

Savings Cap

Limits on savings

With effect from 10/04/2024, our savings cap has changed.

The maximum amount that a member (individually or in association with another member) may hold in Affinity Credit Union Limited is now €70,000. There is currently no monthly lodgement cap in place.

Still Have Questions?

Have a question? See if it's answered below in our Frequently Asked Questions.

Are my savings secure?

Yes. Affinity Credit Union is a financially strong and stable credit union and member’s savings continue to be guaranteed by the Government Deposit Guarantee Scheme.

How much can I save?

The maximum amount that a member (individually or in association with another member) may hold in Affinity Credit Union Limited is €70,000.

There is currently no monthly lodgement cap in place.

How do I pay into my savings?

There are a number of ways to make a lodgement into you savings account.

  • A SEPA payment – using the IBAN for your Affinity Credit Union account, you can make a SEPA transfer from your bank. (Please note: Affinity Credit Union is registered for SEPA payments only. Affinity Credit Union is unable to accept SWIFT payments. You may incur charges if you attempt to send money to your account in Affinity Credit Union via SWIFT.)
  • A Direct Debit – if you wish to save regularly, we can set up a Direct Debit from your bank account to your Credit Union. This can be set up in branch, or e-mail us at
  • Online Debit Card payment – with online access, through Online Banking and on our Mobile App, you can make a debit card payment into your credit union account. Login here or register here.
  • Telephone Debit Card payment – we can accept a Debit Card payment securely over the phone during officer hours.
  • In branch – with cash or debit card. See opening hours here.
Are there any fees on savings accounts?

There are no hidden fees or charges on savings accounts with Affinity Credit Union.

There will be a fee of €5 incurred if a direct debit is returned unpaid, i.e. there was insufficient funds to meet this payment. This is a fee the bank charges the Credit Union, and we must pass that fee on. We alert all members to this when first setting up a Direct Debit. If a Direct Debit is returned unpaid 3 times, we will cancel this so the member does no incur any further fees.

What is the difference between Shares and Savings?

When you become a member of Affinity Credit Union, you’re opening a shares account. This is your main savings account, but you also have a share in the ownership of Affinity Credit Union. This is why account holders are referred to as members and not customers. Along with having a say in the operation of Affinity Credit Union you also earn dividends.