Our BIG Christmas draw takes place tomorrow @ 11.30am with 34 cash prizes to be won!

Congratulations to all the winners in our Christmas Draw

Prize 1 – €25,000 – Mr. Paul Murray – Co. Dublin
Prize 2 – €25,000 – Ms. Nicola Dunne – Co. Wexford
Prize 3 – €20,000 – Miss Mary Dalton – Co. Cork
Prize 4 – €20,000 – Ms. Margaret Coyle – Dublin 9
Prize 5 – €20,000 – Mr. Kevin Woods – Dublin 5
Prize 6 – €20,000 – Mr. Joseph McLoughlin – Dublin 3
Prize 7 – €20,000 – Mr. David Delaney – Co. Dublin
Prize 8 – €10,000 – Mr. Liam Tighe – Dublin 15
Prize 9 – €10,000 – Mrs. Mary Dunne – Co. Kildare
Prize 10 – €10,000 – Mr. Alan Waters – Dublin 15
Prize 11 – €10,000 – Mr. Robert Grealis – Co. Kildare
Prize 12 – €10,000 – Mr. Paul Clancy – Co. Limerick
Prize 13 – €10,000 – Mr. Conor Farrell – Co. Galway
Prize 14 – €10,000 – Mr. John Trimble – Co. Meath
Prize 15 – €5,000 – Mr. Joe Cuffe – Dublin 15
Prize 16 – €5,000 – Mr. Patrick Kenny – Co. Westmeath
Prize 17 – €5,000 – Mr Patrick Lavelle Jnr – Co. Mayo
Prize 18 – €5,000 – Mrs. Elizabeth Hayes – Co. Wicklow
Prize 19 – €5,000 – Mr. David Phelan – Co. Roscommon
Prize 20 – €5,000 – Ms. Kim Nolan – Co. Dublin
Prize 21 – €5,000 – Mr. Conor Fitzpatrick – Co. Cork
Prize 22 – €5,000 – Miss Mary Fitzgerald – Co. Dublin
Prize 23 – €2,000 – Mr. Michael Keane – Co. Donegal
Prize 24 – €2,000 – Ms. Breda Finnegan – Co. Kildare
Prize 25 – €2,000 – Mr. Kieran P Curran – Co. Kildare
Prize 26 – €2,000 – Mrs. Mary Diskin – Co. Dublin
Prize 27 – €2,000 – Mr. Peter Kenny – Co. Dublin
Prize 28 – €2,000 – Mrs. Fionnuala Staunton – Co. Tipperary
Prize 29 – €2,000 – Mr. David Mulryan – Co. Limerick
Prize 30 – €1,000 – Mr. Gerard Flaherty – Co. Clare
Prize 31 – €1,000 – Mr Michael Kelly – Dublin 24
Prize 32 – €1,000 – Ms. Aoife Tuohy Power – Co. Dublin
Prize 33 – €1,000 – Mr. Aidan Reilly – Dublin 5
Prize 34 – €1,000 – Mr. Mark O’Donovan – Co. Cork

CHRISTMAS OPENING HOURS

Death of Michael Murphy RIP

We at St Raphael’s are mourning the passing of our former Manager Mr Michael Murphy RIP who passed away last week and whose Funeral Mass is today at 11.30am in Church of Our Mother of Divine Grace, Ballygall Road East.

Michael was a valued and esteemed member of St Raphael’s from 1964 and served on the Board of Directors and Supervisory Board. He was Budget Manager and served as General Manager for several years leading the Credit Union through its successful growth and expansion through his term here. It is because of his fantastic work in those early years that St Raphael’s is still the much loved and valued Credit Union today.

Our sympathies are with his wife Kit, sons Gearóid, Micheal, Feilim and his daughter Máirín, extended family and all former colleagues in An Garda Siochana and St Raphael’s Garda Credit Union Ltd.

Guím solas sa bhFlaitheas ar a anam fíor uasal.

Board of Directors

Death Notice RIP Website

The death has occurred of Michael D. (Mick) MURPHY Glasnevin, Dublin

(formerly Ballyeightra, Dingle, Co. Kerry)(late of an Garda Síochána and St. Raphaels’ Garda Credit Union) Predeceased by his parents Maurice and Nora, brother Jackie and sisters Maureen and Phil. Beloved and cherished husband of Kitt (Katherine) and loving father of Gearóid, Máirín, Micheal, Diarmuid and Feilim. Deeply regretted by his sister Tess, son-in-law, daughters in law, his 12 grandchildren, sisters-in-law, brothers-in-law, relatives and friends.

Reposing at his home on Thursday, 4th January 2018. Removal on Friday, 5th January, 2018, to the Church of Our Mother of Divine Grace, Ballygall Road East for 11.30 o’c Mass followed by funeral to Glasnevin Crematorium.

Guím solas sa bhFlaitheas ar a anam fíor uasal.

No flowers please, all donations to Diabetes Ireland.

Congratulations to the January winners

Prize 1 – €20,000 Martin J Smith, Trim, Co. Meath
Prize 2 – €5,000 Jennifer Hamill, Clondalkin, Dublin 22
Prize 3 –  €2,500 Stephen Dowling, Navan, Co. Meath
Prize 4 – €2,500 Mary Boyle, Balla, Co. Mayo
Prize 5 – €1,000 Joe O’Keefe, Stradbally, Co. Laois
Prize 6 – €1,000 Padraig Dennehy, Lucan, Co. Dublin
Prize 7 – €1,000 Joan Everard, Santry, Dublin 9
Prize 8 – €1,000 Sean Lynam, Banteer, Co. Cor
Prize 9 – €1,000 Donna Davis, Oldcastle, Co. Meath
Prize 10 – Ireland V Italy rugby tickets Thomas Maher Malahide, Co. Dublin
Prize 11 – Ireland V Italy rugby tickets Mary Ryan, Robertstown, Co. Kildare
Prize 12 – Ireland V Italy rugby tickets Niall Gillooly, Kilteevan, Co. Roscommon
Prize 13 – Ireland V Italy rugby tickets Christy Sheridan, Newbridge, Co. Kildare

Please see attached document detailing the Vascular Health Pilot Programme being offered to St Raphael’s members from the Mater Private.

Mater Private Vascular Health Pilot Programme St Raphael’s

St. Raphaels are delighted to sponsor the Garda Wicklow Division in their white collar boxing night on the 2^nd March.

Pictured are Directors Padraic Jennings, Frank McGrath and John Stratford making a presentation to Sandra Tierney.

Congratulations to all of February’s winners.

Prize 1 – €20,000 – Margaret Malone, Co. Kilkenny
Prize 2 – €5,000 – John Fagan, Dublin 12
Prize 3 –  €2,500 – Cillian Laffan, Co. Limerick
Prize 4 – €2,500 –  Michael Kenna, Dublin 5
Prize 5 – €1,000 –  Ian Walsh, Dublin 24
Prize 6 – €1,000 – Ian Delaney, Co. Tipperary
Prize 7 – €1,000 – Grace McKenna, Dublin 20
Prize 8 – €1,000 – Yvonne Sheridan Mullally, Arva, Co. Cavan
Prize 9 – €1,000 – James Gavigan, Dublin 13
Prize 10 – Ireland V Scotland rugby tickets – Patrick Malone, Co. Wexford
Prize 11 – Ireland V Scotland rugby tickets – Geraldine Murray, Co. Meath
Prize 12 – Ireland V Scotland rugby tickets – Sinead Scully, Co. Meath
Prize 13 – Ireland V Scotland rugby tickets – Stephen Ennis, Co. Wexford

Don’t forget that you can enter the Car Draw by applying here.

The post February Car Draw Winners appeared first on St Raphaels Garda Credit Union.

If you’re planning on purchasing a new car, you may be considering a Personal Contract Plan (PCP). In recent years, PCP has become one of the most popular ways to buy a car in Ireland. Its popularity is mainly due to the low monthly repayments associated with PCP. But it is important that consumer’s know the risks associated with PCP before they sign up. 

How Does PCP Work?

PCP is a type of hire purchase contract. This means that unlike other types of loans, you do not own the car until the last repayment has been made. PCP is divided into three parts:

Deposit

Before leaving the garage with your new car, you will need to pay a deposit on the car. This can range from between 10%-30% of the total value of the car.

Repayments

PCP’s typically have lower monthly repayments which is why PCP can seem like a good alternative to taking out a personal loan. Your repayment term can last between 3 and 5 years, depending on what type of plan you agree to.

Final Lump Sum 

Before you agree to taking out a PCP, you must agree to a Guaranteed Minimum Future Value (GMFV) with your finance company. This is based on how much the vehicle is estimated to be worth at the end of your contract. GMFV is the amount you’re required to pay to own the car at the end of the contract. After the monthly repayment period, you have the option to pay the GMFV to own the car, hand the car back to the garage (once certain terms are met i.e. you haven’t exceeded the mileage limits) or enter a new PCP contract to buy a new car.

Pay the GMFV

Once your repayment term is up, you will need to pay a lump sum final payment to own your car. You may also be charged completion fees. This is calculated at the start of your contract and is based on an estimated future value.

Hand the Car Back

If you cannot afford the lump sum payment at the end of the repayment term, you may decide to hand the car back. It’s important to note that if you have exceeded the mileage limit or caused damage to the car, you will need to pay the garage additional funds to give the car back without purchasing it.

Buy a New Car with PCP

If you wish to update your car to a newer model, you will need to sign up for a new PCP contract. To enter a new PCP contract you will need to pay a deposit again. The deposit from your first car cannot be used to fund a second PCP deal. However, if the market value of your car is greater than the GMFV at the end of your contract, you may put the difference towards the deposit on a new car. It is important to discuss the terms of the contract relating to what happens if you decide to enter a second PCP contract in the future with your provider.

What are the risks of PCP? 

Large Lump Sum Payment

PCP can be tempting when purchasing a new car due to the low monthly repayments, but it’s important to remember that you do not own the car until the final GMFV is paid at the end. The low repayments can result in some consumers buying a car that they can’t actually afford. Therefore when the 3-5 year repayment period has concluded, consumers may struggle to pay the large lump sum. If the buyer cannot fund this payment, the car will need to be given back to the garage. If you are having difficulty paying off your final lump sum, St. Raphael’s now offer a PCP Clearance Loan to help spread out the costs.

Mileage and Depreciation

At the start of your contract, you must agree on the number of kilometres you are going to clock up over the contract period. If you exceed the allocated mileage allowance, you will owe the finance company more than the GMFV. An additional fee will also be applied if you decide to hand the car back to the garage. This means that you may have to pay more back to the finance company than you had originally budgeted.

Affording Repayments

Throughout the repayment period, your circumstances can change which could result in difficultly making repayments. PCP is less flexible than most other forms of lending. If you need to spread out repayments or extend the closing date, you may be charged a rescheduling fee.  Unlike other types of car loans, with PCP your car can be repossessed if the terms of the contract are broken, which includes missing repayments.

Final Payment may be more than market Value

When taking out a PCP, you and the contract provider agree on a future value of the car. However, as market trends can change over 3-5 years, the car may be worth less than expected at the end of the contract, but you will have to pay the earlier agreed higher price.

Car Ownership

When you purchase a car through a PCP, you do not own the car until the final repayment has been made. With other types of loans such as a personal loan from a credit union, you borrow the money and own the car immediately. This means that if you need to sell the car at any stage, whether it be to go travelling, a change in circumstances or for financial reasons, you will need to receive permission from the finance company first. This may result in additional fees.

Lack of Regulation

There is a lack of regulation surrounding PCP in Ireland compared to other lending options.  This means that consumers aren’t as protected by the Central Bank or the Competition and Consumer Protection Commission compared to other financial institutions such as credit unions.

The post Do you know the Risks of Personal Contract Plans (PCPs)? appeared first on St Raphaels Garda Credit Union.

Congratulations to all the winners in the Easter Draw!

1st – €25,000 Gerard Reidy , Co. Clare
2nd – €25,000 William Coen , Dublin 14
3rd – €25,000 Michael Mangan , Co. Dublin
4th – €20,000 Dorothy Kealy , Co. Limerick
5th – €20,000 Niall Mc Grath , Co. Cork
6th – €20,000 Barry Nugent , Co. Clare
7th – €15,000 Teresa Frances O Brien , Dublin 5
8th – €15,000 Sean Carrick , Co. Kildare
9th – €15,000 Niamh O’Neill , Dublin 16
10th – €10,000 Karl Gallagher , Dublin 15
11th – €10,000 Patrick O’Connor , Dublin 16
12th – €10,000 Teresa Fahy , Dublin 15
13th – €5,000 Mary Killalea , Co. Dublin
14th – €5,000 Karen Kilcullen , Co. Roscommon
15th – €5,000 Eileen Jacob , Co. Kildare
16th – €5,000 Theresa Rice , Co. Kildare
17th – €5,000 John McManus , Co. Roscommon
18th – €2,000 Brian Kealy , Co. Limerick
19th – €2,000 Linda Williams , Co. Dublin
20th – €2,000 Beiti Mhic Mhathuna , Dublin 13
21st – €2,000 Anthony Maloney , Co. Louth
22nd – €2,000 Stephen Barry , Co. Clare
23rd – €2,000 Gerard Brehon , Co. Offaly
24th – €2,000 Breige Comiskey , Co. Monaghan
25th – €2,000 Michael Lally , Dublin 8
26th – €2,000 Kieran Dunne , Dublin 6W
27th – €2,000 Barbara Corcoran , Dublin 1
28th – €2,000 Martin Curley , Dublin 24
29th – €2,000 Caroline Byrne , Dublin 24
30th – €2,000 Patrick Fox , Dublin 16
31st – €2,000 Mary Seery , Dublin 22
32nd – €2,000 Brian Coyne , Co. Galway
33rd – €2,000 Gabrielle Clesham , Co. Mayo
34th – €2,000 Patrick Lavelle Jnr , Co. Mayo
35th – €2,000 Ann Marie Fitzpatrick , Dublin 9
36th – €2,000 Brendan Powell , Co. Offaly
37th – €2,000 Brendan Hoare , Co. Tipperary
38th – €2,000 Barry Maguire , Dublin 15
39th – €2,000 Mary Kissane , Co. Dublin
40th – €2,000 Mark Murphy , Co. Galway
41st – €2,000 Mark Kiely , Co. Tipperary
42nd – €2,000 Ronan Kilbane , Co. Mayo
43rd – €2,000 Terry Mooney , Co. Kilkenny
44th – €2,000 John Hegarty , Co. Limerick
45th – €1,000 James Guihen , Co. Dublin
46th – €1,000 Jonathon Kelly , Dublin 18
47th – €1,000 Kevin Murphy , Dublin 12
48th – €1,000 Niamh Mullen , Co. Dublin
49th – €1,000 Jonah Roche , Co. Kildare
50th – €1,000 John Maloney , Co. Clare
51st – €1,000 Myles Galwey , Co. Cork
52nd – €1,000 William Jones , Dublin 24
53rd – €1,000 John Courtney , Dublin 9
54th – €1,000 Mark Bennett , Dublin 9
55th – €1,000 Helen Barker , Co. Meath

Don’t forget that you can enter the Car Draw by applying here.

The post Easter Car Draw Winners appeared first on St Raphaels Garda Credit Union.

Congratulations to all of April’s winners.

Prize 1 – €20,000 – Aileen Forde, Co. Tipperary
Prize 2 – €5,000 –  Caroline McGuire, Co. Wicklow
Prize 3 – €2,500 – Rhona Kavanagh, Co. Wicklow
Prize 4 – €2,500 –  James Coss, Co. Dublin
Prize 5 – €1,000 –  Martin Gallagher, Co. Donegal
Prize 6 – €1,000 – Nicholas Carroll, Dublin 13
Prize 7 – €1,000 – David Walsh, Co. Dublin
Prize 8 – €1,000 – Ciaran Griffin, Co. Dublin
Prize 9 – €1,000 – Gerard McLoughlin, Co. Galway

The post April Prize Draw Winners appeared first on St Raphaels Garda Credit Union.

Member Notice:

Online banking services will be unavailable from 5pm Friday 11th May until 9am Monday 14^th May.

Branch Closed Saturday 12th May.

Dear Members,

Due to essential IT maintenance, St. Raphael’s Garda Credit Union Online Banking services will be unavailable this weekend from 5pm Friday 11^th May to 9am Monday 14th May. St. Raphael’s Garda Credit Union Branch will remain closed on Saturday 12th May.

We are open for business as usual on Monday 14 May.

We apologise for any inconvenience caused.

The post Member Notice: Online Banking & Opening Hours Change appeared first on St Raphaels Garda Credit Union.

St. Raphael’s Garda Credit Union is delighted to announce the commencement of our new IT project which will bring online and mobile banking services to our members. The project will deliver a wide range of benefits to our members and is expected to take nine months to complete.

The project is being developed with Temenos, a world leader in banking software. St. Raphael’s has been in partnership with Temenos since 2008 and have now decided to leverage off the existing strong relationship with Temenos and work with them to invest significantly further in the development of a new, user-friendly online service.

Members will benefit from a wide range of additional digital services which will be designed to improve customer experience. Members will also be able to access additional credit union services online and receive faster responses to loan applications and queries.

St. Raphael’s Garda Credit Union are continuously striving to bring the best possible service to our members and are confident that this investment will bring significant improvements for members.

The post St Raphael’s to Introduce Online and Mobile Banking to Members appeared first on St Raphaels Garda Credit Union.

It’s that time of year again! We’re planning our annual BBQ and would love to invite our members to a fabulous Family Day on Saturday 9^th June at our offices 1-2 Fox & Geese, Naas Road for fun and games. We will be holding our Super Summer Draw on the day also.

Taking place from 2pm-5pm, we promise a wonderful day of fun and entertainment.  There will be bouncy castles, a magician and face-painting. There will also be spot prizes for those attending.

Again this event will be ticket only, on a first come first served basis. There are a limited number of tickets available so don’t delay!

PLEASE NOTE ALL ATTENDEES – NOT JUST PARENTS – MUST BE MEMBERS OF THE CREDIT UNION TO AVAIL OF TICKETS.

To register for tickets please email events@straphaelscu.ie with the following details – Name, reg/member no. of all those attending (including children) and tickets will be posted on receipt of email.   Please note, the final day to apply for tickets is 31^st May 2018.

You are advised that this is a public event and that photographs will be taken on the day for use on the credit union website, annual report and Facebook page. If you object to the use of photographs of you and members of your family, you should notify a member of staff on the day. 

COME AND JOIN THE FUN!

Where to park your car;

Parking for the Family Fun Day is ONLY available directly opposite us across the Naas Road from our facility in the IVECO (now ISUZU) premises which is on the left hand side just before Woodies. The entrance is located on the Naas Road. The Pedestrian Crossing for the Building is located immediately outside our entrance.

Travelling from the M50/N7

From the Red Cow Junction travel along the Naas Road towards the city centre for 600 metres. The Credit Union is located on the opposite side of the Naas Road facing the Harris Iveco Truck Centre. Parking will ONLY be available in the IVECO (now ISUZU) premises which are on the left hand side just before Woodies. The entrance is located on the Naas Road. The Pedestrian Crossing for the Building is located immediately outside our entrance.

Travelling from the City Centre

Travelling from Dublin City along the N7 Naas Road past the Red Cow and take the lane for the City & Inchicore R110 exit. You will then be heading back towards the city on the Naas road past the Red Cow for 600 metres. We are located on the opposite side of the Naas Road facing the Harris Iveco Truck Centre (now ISUZU).

Parking will ONLY be available in the IVECO (now ISUZU) premises which are on the left hand side just before Woodies. The entrance is located on the Naas Road. For those attending on Saturday we would ask you to use the pedestrian crossing when crossing the road, the pedestrian crossing for our building is located immediately outside our entrance.

The post St. Raphael’s Members Family Day and Super Summer Draw 9th June 2018 appeared first on St Raphaels Garda Credit Union.

Congratulations to all of May’s winners.

Prize 1 – €20,000 – Michael O’Riordan, Dublin 9
Prize 2 – €5,000 –  Emma Foley, Co. Limerick
Prize 3 – €2,500 – Thomas Kennedy – Co. Tipperary
Prize 4 – €2,500 –  Declan O’Reilly, Co. Dublin
Prize 5 – €1,000 –  Denis Casey – Dublin 11
Prize 6 – €1,000 – Gillian Culhane, Dublin 15
Prize 7 – €1,000 – Patrick Delaney, Dublin 3
Prize 8 – €1,000 – Niamh Mulligan, Co. Westmeath
Prize 9 – €1,000 – Frankie Feeley, Co. Meath

The post May Prize Draw Winners appeared first on St Raphaels Garda Credit Union.

Congratulations to all of the winners.

€300,000 in cash prizes!

1st Prize – €25,000 Abina O’Connell, Co. Meath
2nd Prize – €25,000 Mark Hearne, Dublin 12
3rd Prize – €25,000 Rory Keating, Co. Galway

4th Prize – €20,000 Geraldine Doherty, Dublin 9
5th Prize – €20,000 Ms Alma Fahy, Co. Kildare
6th Prize – €20,000 Ian McGarry, Dublin 20

7th Prize – €15,000 Cornelius, Co. Clare
8th Prize – €15,000 Patrick Boland, Co. Roscommon
9th Prize – €15,000 Christopher Hennessy, Dublin 15

10th Prize – €5,000 Noel Aungier, Dublin 6W
11th Prize – €5,000 Eimear Thornton, Co. Meath
12th Prize – €5,000 Ann Friel, Co. Monaghan
13th Prize – €5,000 Rita Doherty, Co. Mayo
14th Prize – €5,000 Margaret Twomey, Co. Wicklow
15th Prize – €5,000 Anne Jones, Dublin 15
16th Prize – €5,000 Mairead O’Connell, Co. Monaghan
17th Prize – €5,000 David Donnelly, Co. Meath
18th Prize – €5,000 Denis Mullins, Dublin 16
19th Prize – €5,000 Joseph Ruane, Co. Dublin
20th Prize – €5,000 Patricia Golden, Dublin 13

21st Prize – €2,000 Anita Crehan, Co. Galway
22nd Prize – €2,000 Brian Burke, Co. Galway
23rd Prize – €2,000 Mark Kerrigan, Co. Galway
24th Prize – €2,000 Austin O’Callaghan, Co. Kildare
25th Prize – €2,000 Sarah Cadden, Co. Cavan
26th Prize – €2,000 Finbarr Thomas, Co. Galway
27th Prize – €2,000 Padraig Cleary, Co. Meath
28th Prize – €2,000 Barbra Rowland, Dublin 5
29th Prize – €2,000 Lorena Thornton, Dublin 1
30th Prize – €2,000 Emer Walsh, Dublin 3
31st Prize – €2,000 Micheal O’Rourke, Co. Cavan
32nd Prize – €2,000 Patrick Barrett, Co. Limerick
33rd Prize – €2,000 Michael Smithers, Dublin 9
34th Prize – €2,000 Joseph Corrigan, Co. Kildare
35th Prize – €2,000 Aidan Brennan, Dublin 13
36th Prize – €2,000 Oisin Howell, Co. Louth
37th Prize – €2,000 Claire Malone, Co. Carlow
38th Prize – €2,000 Paul Sweeney, Co. Louth
39th Prize – €2,000 Patrick Murray, Dublin 5
40th Prize – €2,000 Marie Keys, Co. Meath
41st Prize – €2,000 Danielle Keogh, Dublin 12
42nd Prize – €2,000 Oonagh O Brien, Dublin 15
43rd Prize – €2,000 Emmett Mc Gonigle, Co. Dublin
44th Prize – €2,000 Shane Egan, Co. Dublin
45th Prize – €2,000 Liam Kavanagh, Co. Kilkenny

46th Prize – €1,000 Gerard Boland, Co. Mayo
47th Prize – €1,000 John Healy, Co. Wicklow
48th Prize – €1,000 Francis Clerkin, Dublin 5
49th Prize – €1,000 Denis Murphy, Dublin 16
50th Prize – €1,000 Alan Cummins, Dublin 9
51st Prize – €1,000 Gary Lynch, Co. Kildare
52nd Prize – €1,000 John Walsh, Co. Dublin
53rd Prize – €1,000 Karilyn Keane, Co. Dublin
54th Prize – €1,000 Colin Benson, Co. Limerick
55th Prize – €1,000 Micheal Croke, Co. Kildare
56th Prize – €1,000 John O’Donnell, Co. Cavan
57th Prize – €1,000 Robert O’Reilly, Co. Kildare
58th Prize – €1,000 Neil Dowling, Dublin 11
59th Prize – €1,000 Deirdre Cosgrave, Co. Dublin
60th Prize – €1,000 Mary Fennelly, Dublin 9

If you’re not in the Prize Draw, you can download an application form here. 

The post Summer Prize Draw Winners appeared first on St Raphaels Garda Credit Union.

Introducing St. Raphael’s new PCP Clearance Loan

PCP Clearance Loan 5.95%* APR: 6.12%

That final PCP balloon payment is looming which can put a big strain on your finances. Of course you could trade in your car and start another PCP, but you’ll never own your car outright.

At St. Raphael’s CU, we have the solution. If you’re happy with your car and don’t want to trade-up and startanother PCP contract, talk to us about a PCP Clearance Loan so you can take outright ownership of your car and break free from PCP contracts.

Visit our PCP Clearance Loan page to see how you can apply

The post PCP Clearance Loan appeared first on St Raphaels Garda Credit Union.

Our friend and colleague Stephen Sheerin is retiring from St. Raphael’s today after 11 years and many more as a Director.

It’s a very sad day for St Raphael’s but all Directors, Management and Staff want to wish Stephen and his family all the very best on his retirement.

The post Stephen Sheerin retiring appeared first on St Raphaels Garda Credit Union.

Congratulations to all of June’s winners.

Prize 1 – €20,000 – Caroline Ware – Co. Dublin
Prize 2 – €5,000 –  Eamon Barry – Co. Meath
Prize 3 – €2,500 – James Gaughan – Dublin 15
Prize 4 – €2,500 –  Brian Canny – Co. Tipperary
Prize 5 – €1,000 –  Paul Sheridan – Co. Kildare
Prize 6 – €1,000 – Maura Keaveney – Dublin 15
Prize 7 – €1,000 – Grainne Doyle – Co. Kildare
Prize 8 – €1,000 – Liam Walsh – Co. Westmeath
Prize 9 – €1,000 – Fionola Fogarty – Co. Cork

The post June Prize Draw Winners appeared first on St Raphaels Garda Credit Union.

The 8 winners of 2 premium level tickets for the GAA Hurling Semi-Final are as follows:

Marie McKeon, Co. Wicklow

James Boyle, Dublin 18

Brian Quinn, Co. Galway

Anne Flanagan, Dublin 24

Robert Molloy, Co. Galway

Anthony O’Rourke, Co. Wicklow

Paulin Glennon, Co. Kildare

Jennifer Gaynor, Dublin 18

Congratulations to all of the winners. If you would like to join the Prize Draw, you can download an application form here.

The post GAA Hurling Semi-Final Ticket Winners appeared first on St Raphaels Garda Credit Union.