For the first time ever we broadcast the Car Draw LIVE by video stream to our Facebook page. The Car Draw was broadcast Thursday May 25th @11:30am, our MC for the event was our very own Stephen Sheerin.

1st Prize €20,000 James Dilleen, Tipperary
2nd Prize €5,000 John Rabette, Dunboyne, Co Meath
3rd Prize €2,500 Elizabeth Casey Finglas, Dublin 11
4th Prize €2,500 Eoghan Kirwan, Kilcullen, Co Kildare
5th Prize €1,000 Eimear Lehane Blackrock, Co Cork
6th Prize €1,000 William Tiernan, Bray, Co Wicklow
7th Prize €1,000 David O’Brien, Kilcullen, Co Kildare
8th Prize €1,000 Redmond Ryan, Co Kilkenny
9th Prize €1,000 Brian Murphy, Co Kilkenny

If any member has any feedback positive/negative can you drop us a message on Facebook or email us as we try to improve the service moving forward.

Congratulations to all the winners in the Car Draw!

1st Prize – €25,000 – Shane Leonard Lavery , Dunleer
2nd Prize – €25,000 Denis Egan, Castlebar, Co Mayo
3rd Prize – €25,000 – David Maher, Raheny, Dublin 5
4th Prize – €20,000 – James Gallagher, Co Cavan
5th Prize – €20,000 – Niall Kilduff, Firhouse, Dublin 24
6th Prize – €20,000 – Claire Henry, Co Mayo
7th Prize – €15,000 – Melissa Lyons, Swords, Co Dublin
8th Prize – €15,000 – Niall Burke, Shankill, Co Dublin
9th Prize – €15,000 – Darren Coogan, Dungarvan, Co Waterford
10th Prize – €5,000 – Eoin McDermott, Naas, Co Kildare
11th Prize – €5,000 – James Madden, Co Limerick
12th Prize – €5,000 – Kevin Patrick Nolan, Finglas, Dublin 11
13th Prize – €5,000 – Theo Hanley, Ballinasloe, Co Galway
14th Prize – €5,000 – Darren Morgan, Co Cavan
15th Prize – €5,000 – Ciaran Garry, Newbridge, Co Kildare
16th Prize – €5,000 – Wayne McGlynn , Clonsilla, Dublin 15
17th Prize – €5,000 – Gary Murray, Naas, Co Kildare
18th Prize – €5,000 – Fergus Dwyer, Castleknock, Dublin 15
19th Prize – €5,000 – Seamus Kelly, Co Roscommon
20th Prize – €5,000 – Agnes Duncan, Kilcock, Co Kildare
21st Prize – €2,000 – Mary Diskin, Castleknock, Dublin 15
22nd Prize €2,000 – Maureen Roche, Leixlip , Co Kildare
23rd Prize €2,000 – Margaret McGrane, Donnabate, Co Dublin
24th Prize – €2,000 – John Hanley, Clonsilla, Dublin 15
25th Prize – €2,000 – Paul Leahy, Co Cork
26th Prize – €2,000 – Rodger Quinn, Celbridge, Co Kildare
27th Prize – €2,000 – Daire Daly , Celbridge, Co Kildare
28th Prize – €2,000 – Ann Hogan, Co Galway
29th Prize – €2,000 – Patrick Rogan, Templemore, Co Tipperary
30th Prize – – €2,000 – Vincent Coffey – Dublin 11
31st Prize – €2,000 – Frank Knightly , Baldoyle, Dublin 13
32nd Prize – €2,000 – William Gardner, Dublin 24
33rd Prize – €2,000 – Aidan Gavigan, Tallaght, Dublin 24
34th Prize – €2,000 – Patrick Farley, Enfield, Co Meath
35th Prize – €2,000 – Julia King, Killaloe, Co Tipperary
36th Prize – €2,000 – Andrew Morrissey, Lucan, Co Dublin
37th Prize – €2,000 – Karen Barker, Firhouse, Dublin 24
38th Prize – €2,000 – Martin Hughes, Co Monagan
39th Prize – €2,000 – Stephanie Egan, Clane, Co Kildare
40th Prize – €2,000 – Peter Daly , Co Meath
41st Prize – €2,000 – Martin Doohan Lucan, Co Dublin
42nd Prize – €2,000 – John Culleton, Portlaoise, Co Laois
43rd Prize – €2,000 – Deirdre O’Donnell , Athy, Co Kildare
44th Prize – €2,000 – Russell O’Brien, Co Cork
45th Prize – €2,000 – Deirdre Rowland, Rathfarnham, Dublin 16
46th Prize – €1,000 – Elaine Gordon, Co Donegal
47th Prize – €1,000 – Thomas Egan, Co Kildare
48th Prize – €1,000 – Edel Moore, Dublin 17
49th Prize – €1,000 – Thomas Neville, Co Tipperary
50th Prize – €1,000 – John Mulligan , Co Roscommon
51st Prize – €1,000 – Nicola Browne, Co Galway
52nd Prize – €1,000 – Ann Marie Cagney, Naas, Co Kildare
53rd Prize – €1,000 – Patrick Cody, Gorey, Co Wexford
54th Prize – €1,000 – Christy Deely, Co Roscommon
55th Prize – €1,000 – Ronan Biggins, Headford, Co Galway
56th Prize – €1,000 – John Cowley, Westport, Co Mayo
57th Prize – €1,000 – Siobhaun Goff, Callan, Co Kilkenny
58th Prize – €1,000 – Adrian Keane, Co Sligo
59th Prize – €1,000 – Fergus O’Brien, Co Sligo
60th Prize – €1,000 – Edmund Sadler, Tallaght, Dublin 24

Need Financing for a Car Purchase?  You won’t get a better offer than our Special Rate Car Loan at 4.95% variable, APR* 5.06% , meaning that we are one of the cheapest car loan around.

It’s True – take a look at the financing “offers” in the dealerships, or a close look at what the major Financial Lending Institutions are offering.

Requirements to apply for this Loan

• 3 Months Bank Statements
• 1 Recent Payslip**

Conditions Applied to this Loan:

• Cheque must be made payable to 3rd Party or Garage
• Proof of Purchase may be required
• Over 18’s only
• Lending criteria, Term & Conditions apply
• Security may be required
• Maximum Term 5 years

Repayment Frequency

Monthly/Fortnightly/Weekly

Representative example

A typical €10,000 five year variable loan will have 60 monthly repayments of €188.48, Interest 4.95% variable, APR* 5.06%. If the APR does not vary during the term of the loan the total cost of credit of this loan (i.e. total amount repayable less the amount of the loan) would be €1,308.80. The total amount payable is €11,308.80.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

*APR – Annual Percentage Rate

**In some instances more than one payslip may be required.

Please be advised we will be writing to our members over the coming days to update documentation in relation to address and identity verification.

Under the Criminal Justice (Money Laundering & Terrorist Financing) Acts 2010 & 2013, all financial institutions, including Credit Unions are required by law to collect documentation to verify our member’s identity and their residential address. We apologise if some of these requests may be inconvenient for you, but we hope you understand that we have a legal obligation and duty to comply in full with all legal and regulatory requirements.

In order to comply with this requirement, we will be writing to all our membership from whom we require up-to-date documentation to ask that they provide the relevant documents. If you receive one of these letters, it is very important that you provide the Photo ID & Proof of Address as required.  

The documentation may be provided to us by one of the following two ways, whichever is most convenient. Please see the document for a list of acceptable documents.

Option 1

Post copies of the documentation to St. Raphael’s using the enclosed prepaid envelope received with your letter. If you receive a letter from St Raphaels all you have to do is sign that letter and return it in the prepaid envelop. This will verify your address.

Or 

Option 2

Simply call into our Credit Union Offices here on the Naas Road with the original Photo ID and Proof of Address documentation and we will copy them here for you.

If you have any queries or seek any clarification in relation to this please contact us on 0818 247365 or if calling from mobiles or abroad 00353 1 4273900. Alternatively you can E-mail enquiries@straphaelscu.ie.

1st Prize €20,000 Brendan Carr, Ballybofey, Co Donegal
2nd Prize €5,000 William Stratford, Raheny, Dublin 5
3rd Prize €2,500 Edward Leavy, Ratoath, Co Meath
4th Prize €2,500 Des Griffin, Howth, Co Dublin
5th Prize €1,000 Joe Higgins, Ratoath, Co Meath
6th Prize €1,000 Paul Kelly, Saggart, Co Dublin
7th Prize €1,000 Padraig Duignan, Castlerea, Co Roscommon
8th Prize €1,000 John French, Co Galway
9th Prize €1,000 Peggy Sheehy, Macroom, Co Cork

You can enter the Car Draw by clicking here, downloading the form and sending it to our office by email or post

Back to School Expenses

We are conscious that this is an expensive time of year for many members who have children returning to school over the coming weeks.

With that in mind we would like to inform members of our Back to School loan at very competitive rates.

Applying is straight forward. Call us on 0818 247365 or send/email an application to us with a recent payslip and three months bank statements.

Conditions Applied to this Loan

• Maximum Term of 5 Years
• Over 18’s only
• Lending criteria, Term & Conditions apply

Repayment Frequency

Monthly/Fortnightly/Weekly

Representative example

A typical €2,000 five year variable loan will have 60 monthly repayments of €41.18, Interest 8.25% variable, APR* 8.57%. If the APR does not vary during the term of the loan the total cost of credit of this loan (i.e. total amount repayable less the amount of the loan) would be €470.67. The total amount payable is €2,470.67.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Terms and conditions apply

We are delighted to announce that our brand new Roster App “St Raphael’s Credit Union Roster App” is now ready for download from the App Store and Google Play Store.

The current Roster App will no longer function correctly after 7^th September and should be deleted from your phone.

The new Roster App contains a completely updated calendar as well as many additional features.

Calendar

It contains three rosters

-Core
-Non Core
-DDU

Once a user selects their roster the app will display their own specific calendar view showing work days, rest days etc.

A new feature will allow users to sync their native calendar with the roster calendar which will import events and important dates.

Loan Calculator

Calculate your loan repayments with our fully functioning loan calculator.

Select the loan type, input the amount needed, preferred term and repayment frequency.

Click the email or call us button to get your loan application started.

Subsistence & Travel Calculator

This feature allows users to calculate their subsistence and travel owed.

Calculate your day or night subsistence for any combination of types and categories.

Calculate your travel expenses specific to your class of car and kilometres driven.

St.Raphael’s News

Keep up to date with everything that’s happening in St.Raphael’s.

This will include St.Raphael’s events, member notices, car draw winners etc.

If you have any questions in relation to the new roster app please call us on 0818 247 365 or email us at enquiries@straphaelscu.ie

Dear Member,

Pursuant to the rules of the St. Raphael’s Garda Credit Union Limited (“the Credit Union”), the Credit Union is commencing the process of selecting suitable candidates for nomination to the Board of Directors and to the Board Oversight Committee at the Annual General Meeting (AGM), which will take place in December 2017.  All serving Directors and Oversight Committee members are required by law to be re-elected by rotation every three years. In addition to the Directors and Oversight Committee members seeking re-election at this year’s AGM, all members of the credit union over 18yrs are entitled to apply. Candidates elected at the AGM will be elected for a period of up to three years.

The role of Directors and Board Oversight Committee members are as set out in the Credit Union Act 1997 (as amended).  Under regulatory requirements, as set out by the Central Bank, all candidates must meet minimum fitness and probity standards.  These standards apply to all Directors and Board Oversight Committee Members.  They can be accessed by clicking here

https://www.centralbank.ie/regulation/processes/fandp/creditunions/Pages/default.aspx

Members applying for any of these positions should be aware that they are voluntary and unpaid.

If you are interested in applying for one of these positions, please express your interest by return email to Nomination.Committee@straphaelscu.ie, quoting your membership number by close of business on Friday 29^th September, 2017.  A detailed Nominations Pack will be sent to all interested parties for completion.

The closing date for the receipt of all fully completed Nomination Packs is Friday 13^th October, 2017.

Please note that our offices will be closed today due to the Red Weather warning in place. This is to ensure the safety of our staff and members. We plan to be open tomorrow morning. Stay safe everyone.

Back to School Expenses

We are conscious that this is an expensive time of year for many members who have children returning to school over the coming weeks.

With that in mind we would like to inform members of our Back to School loan at very competitive rates.

Applying is straight forward. Call us on 0818 247365 or send/email an application to us with a recent payslip and three months bank statements.

Conditions Applied to this Loan

• Maximum Term of 5 Years
• Over 18’s only
• Lending criteria, Term & Conditions apply

Repayment Frequency

Monthly/Fortnightly/Weekly

Representative example

A typical €2,000 five year variable loan will have 60 monthly repayments of €41.18, Interest 8.25% variable, APR* 8.57%. If the APR does not vary during the term of the loan the total cost of credit of this loan (i.e. total amount repayable less the amount of the loan) would be €470.67. The total amount payable is €2,470.67.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Terms and conditions apply

Congratulations to all the winners in our October Draw 2017

Prize 1 – €20,000 – Ms. Joanne Olohan, Co. Dublin
Prize 2 – €5,000 – Mr. Eanna Murphy, Co. Wexford
Prize 3 – €2,500 – Mr John O’Donnell, Co. Sligo
Prize 4 – €2,500 – Mr. Niall Maguire, Co. Donegal
Prize 5 – €1,000 – Mr. Damien Barry, Co. Cavan
Prize 6 – €1,000 – Mr PJ Barry, Co. Limerick
Prize 7 – €1,000 – Miss Eithne Healy, Co. Dublin
Prize 8 – €1,000 – Mr. Anthony McHugh, Co. Wicklow
Prize 9 – €1,000 – Miss Annelisa Hannigan, Co. Dublin
Prize 10 – IRL V SOUTH AFRICA RUGBY – Ms. Jennifer Benson, Dublin 15
Prize 11 – IRL V SOUTH AFRICA RUGBY – Mr. Robert Watson, Co. Wicklow
Prize 12 – IRL V SOUTH AFRICA RUGBY – Mrs. Sandra Shea, Co. Wicklow
Prize 13 – IRL V SOUTH AFRICA RUGBY – Mr. Damien Carney, Co. Cavan
Prize 14 – IRL V FIJI RUGBY – Mr. Noel Mc Cann, Co. Louth
Prize 15 – IRL V FIJI RUGBY – Ms. Lesley Mc Cormack, Co. Kildare
Prize 16 – IRL V FIJI RUGBY – Mr. John Conway, Co. Kildare
Prize 17 – IRL V FIJI RUGBY – Ms. Cora O Brien, Co. Dublin
Prize 18 – IRL V ARGENTINA RUGBY – Mr Kevin Mc Hugh, Dublin 16
Prize 19 – IRL V ARGENTINA RUGBY – Mr. Mel Smyth, Co. Kildare
Prize 20 – IRL V ARGENTINA RUGBY – Mr. Paul Kennedy, Dublin 20
Prize 21 – IRL V ARGENTINA RUGBY – Mr. Mark Maher, Co. Wexford

Congratulations to our winners

Mrs E. Larkin

Mr M. Giles

Mr J. Behan

Ms G. Butler

who each won a €250 One4All voucher for updating their AML documentation. We would also like to take this opportunity to once again encourage any member who has not already returned the required documentation to do so without further delay.

For more information please click http://www.straphaelscu.ie/news/important-notice-to-members/

Need a loan fast? St. Raphael’s have introduced a new faster loan process for our Garda and retired Garda members. You can apply for up to €15,000 today through our Fast Track Loan regardless of the loan purpose. We will give you a decision within 3 business hours!

1. Do you need a loan at short notice? ✓
2. Are you a member of An Garda Síochána? ✓
3. Are all your loan repayments up to date? ✓

If the answer is YES then contact us by email loans@straphaelscu.ie or Facebook Messenger and we will call you back within 30 minutes or simply call our office on 0818 247 365.

We may require an up to date payslip if we don’t have one on file. If you haven’t previously updated your proof of address, photo identification or PPSN we may ask you to do so.

Repayment Frequency

Monthly/Fortnightly/Weekly

Lending criteria, Term & Conditions apply

Dear Member,

I would like to extend an invitation to you to attend our Remembrance Mass for deceased members of St. Raphael’s Garda Credit Union at  2pm, Saturday, 25th November 2017 in St. Paul of the Cross Church, Mount Argus, Dublin 6W.  The Mass will be celebrated by the Garda Chaplain, Fr. Joe Kennedy.

The Garda Male Voice Choir will also be performing at our service.

I look forward to seeing you.

Sean O’Brien

Chairman

Our 53rd AGM will take place at 7.30pm on Wednesday, 6th December 2017 in Westmanstown Sports and Conference Centre, Clonsilla, Dublin 15.

To all Members:

The Minister for Finance, Paschal Donohoe TD, today announced the appointment of our CEO, Claire Byrne to the Credit Union Advisory Committee (CUAC).

CUAC is a statutory committee operating under the Dept. of Finance and is established to advise the Minister on certain Credit Union related matters.

This is a prestigious appointment for Claire and for us all in St Raphaels. We are delighted and proud to have direct representation on CUAC at such an important time for credit unions. I am sure you will all join with me in congratulating her and wishing her well in this new role. I have no doubt she will make an enormous contribution and her considerable expertise will benefit the work of the committee and in turn the entire sector.

Claire’s appointment is a part time role and will not impact her role as CEO of St Raphaels Garda Credit Union.

Sean O Brien
Chairman

1st December 2017

Minister for Finance appoints two additional members to the Credit Union Advisory Committee

1. The Minister for Finance, Paschal Donohoe TD, today announced the appointment of the following two new members to the Credit Union Advisory Committee (CUAC).
2. Claire Byrne, CEO, St. Raphael’s Garda Credit Union
   John Doyle, Operations and Services Manager, St. Jarlath’s Credit Union, former CEO of ReBo

The Committee advises the Minister for Finance in accordance with its mandate under Section 180 of the Credit Union Act 1997. The Committee members will hold office for three years from 1st December 2017.
The Committee’s statutory function is to advise the Minister for Finance and such other persons as the Minister thinks fit regarding: –

• the improvement of the management of credit unions;
• the protection of the interests of members and creditors of credit unions; and
• other matters relating to credit unions upon which the Minister, the Central Bank or such other persons as may be specified by the Minister may from time to time seek the advice of the Committee.

Earlier this year the current members of the Committee were asked to extend their term for another year until September 2018 to further assist in implementation of the recommendations in their 2016 report – Review of Implementation of the Recommendations in the Commission on Credit Unions Report – and to assist in the transition to new members. The current membership of CUAC is as follows:

• Donal McKillop, Chairman, Professor of Financial Services in the School of Management at Queens University, Belfast.
• Denise O’Connell, Partner, Audit and Assurance Services – Grant Thornton.
• Joe O’Toole, Former Senator. Previously served as General Secretary of INTO and President of ICTU.

Commenting on the appointments, Minister Donohoe said that ‘both Ms. Byrne and Mr. Doyle bring a wealth of experience to the role. Ms. Byrne is the CEO of St. Raphael’s Garda Credit Union and has over 25 years’ experience in financial services. Mr. Doyle is the Operations and Services Manager of St. Jarlath’s Credit Union, Tuam, Co. Galway and has experience of credit union restructuring on foot of his role in the Credit Union Restructuring Board (ReBo).

These appointments will ensure that the credit union sector (Dublin and outside of Dublin) is well represented on the CUAC.

I wish the new Committee members well in their work over the next three years. I am confident that they will make a valuable contribution towards dealing with the challenges facing the credit union sector at this important time.’

Congratulations to the November winners

Prize 1 – €20,000 – Colm Troy, Dublin 18

Prize 2 – €5,000 – Lisa Timmons, Dublin 16

Prize 3 – €2,500 – Dominic Regan, Co. Clare

Prize 4 – €2,500 – Michelle McBride, Dublin 13

Prize 5 – €1,000 – Adrian Kelly, Co Roscommon

Prize 6 – €1,000 – James Lynagh, Co. Dublin

Prize 7 – €1,000 – Brian McHale, Co. Westmeath

Prize 8 – €1,000 – Colin Gleeson, Co. Kildare

Prize 9 – €1,000 – David Nolan, Co. Kilkenny

On the First day of Christmas the winners were

Gerard Walsh, Co. Galway

Mary O’Neill, Dublin 24

On the Second day of Christmas the winners were

Anne Duggan, Co. Wexford

Sean O’Leary, Co. Wexford

Eleanor O’Halloran, Dublin 8