Volume 4 | Issue 1

Summer 2020

WELCOME TO OUR SUMMER NEWSLETTER

South Dublin | Fingal | Dun Laoghaire-Rathdown County Council

 

40TH ANNIVERSARY OF BLACK RAVEN CREDIT UNION

40 years ago on the 14th of May 1980, Black Raven Credit Union Ltd held its inaugural Board Meeting.

The first Board of Directors were a group of like-minded friends, co-workers and colleagues who saw their peers requested to complete onerous questionnaires and interviews when applying for credit, only to be refused in many cases.

They believed that inclusive financial services were a right for all, where anyone seeking a credit, or a savings facility should have access to these services and be treated fairly and respectfully.

The first Board of Directors who are photographed above were as follows:

Back Row: Joe Kennedy, Catherine Banks, Dan O’Sullivan, Sean Carey, Billy Coman, Tom Sheehan and Louis Monks. Front

Row: Billy Leonard, Brian Clarke, Dara Monaghan and Brendan Clinch.

Their spirit of cooperation and inclusivity lives on in the ethos of Black Raven and the past and current Board of Directors and Management continue to keep this ethos to the forefront when planning the strategy and are faced with making key decisions at Black Raven for the benefit of Members.

Today more than ever, credit unions are providing a vital service to their Members. In fact, during this global pandemic, credit unions have been designated essential service providers by the Government. Credit Unions continue to meet the financial needs of their Members and are as relevant today as they were back in the 1980s.

Many credit unions, including Black Raven, continue to provide financial services on a non-for profit basis where the yearend surplus is distributed back to Members in the form of dividends and or interest rebates. Credit Unions also invest in many social and environmental projects. They are an integral part of Irish society with more than 2.3 million Members throughout Ireland.

Later in 2020, when this current phase of the pandemic has passed, we will celebrate the 40th Anniversary together. In the meantime, we thank our Members for continuing to support us by using the services we provide.

While we recognise that Members have an abundance of choice when it comes to financial services, we ask that you consider contacting us when considering borrowing for small medium or large projects.

As always, we are happy to discuss options and the benefits of borrowing with your Credit Union.

Yours sincerely,

Susan Lynch

CEO

 

IMAGINE OWNING THE CAR OF YOUR DREAMS

Whether you’re dreaming of an upgrade, a hybrid, your very first car or even exiting from PCP agreement, you’ll find our Car Loan rate very competitive. Because for all of your dreams that are big or small, we’ve got you covered with our loan range.

For a fair, flexible loan you won’t have to look far. This is a flexible, low cost loan available to our members. Lending terms & conditions apply. 

Why not talk to us today on 014610682?

Unlike some other forms of car finance like Hire Purchase or a Personal Contract Plans (PCP), with a credit union car loan, you own the car from the outset. 

There are no scary hidden fees or charges and definitely no balloon payments or mileage restrictions. 

If you want to own the car you're driving and want the freedom to decide when to sell it, a credit union loan may just be for you.

 

REFER A FRIEND AND BE REWARDED!

REFER A FRIEND AND BE IN WITH CHANCE TO WIN A €100 ONE4ALL GIFT CARD EACH!

Becoming a member of Black Raven Credit Union Ltd. is the easiest and the best decision anyone can make for their money, so spread the word! You can refer as many friends as you like for a higher chance to win €100 ONE4ALL gift card each!

HOW TO ENTER THE PRIZE DRAW:

1. ) Forward this email to a friend you would like to refer
2. ) Your friend should fill in the referral form by clicking on the button below
3. ) When submitting the referral form, your friend will be brought to the online application form to become a member of Black Raven Credit Union.

Once they submit the member application form, you will both be entered in the prize draw.

The competition ends on 30/09/2020 and the winners will be selected on 05/10/2020.

IMPORTANT: Please do not not sign up friends on their behalf! 

FOR A VALID ENTRY: You will need to get at least one friend to become a member of Black Raven Credit Union. 

 

 

HOW TO APPLY FOR A LOAN

 

2020 THE YEAR OF THE STAYCATION

There is no doubt that the Pandemic we are living through has changed our lives. Lots of us who would normally take our summer holidays in Europe or further afield are now staying home for the foreseeable future.

We have all been through a lot as a nation and we deserve some rest and relaxation.

This is a perfect opportunity to carry out home improvements, why not carry out all of those little jobs around the home which you have been meaning to do? Or better still, employ a local tradesman to do them for you.

Give your garden a makeover and use it to relax in and spend time with family and friends over the coming months.

At Black Raven we have loans for home improvements available whether the improvement is big or small. We are happy to discuss your options anytime.

COVID-19 – Changes to the way we deliver services

Coronavirus has changed the way we do business at Black Raven Credit Union Ltd.

Like all other Credit Unions, we have been designated essential service providers and have been working at the office throughout the lockdown.

Service Centers – Appointment Service

While our Service Centers remain closed for the moment we can arrange appointments for Members if necessary, we have a fantastic group of Volunteers based in Dun Laoghaire, Fingal and South Dublin who always do their best to meet up with Members when required.

Tallaght Office – Appointment Service

Staff are working from the Tallaght Office each day and can be contacted between 9am and 5pm with lunch from 1pm to 2pm.

Members can visit this office by appointment.

Online Services

We continue to promote our online services and you can now carry out all transactions online.

If you would like to discuss this with us, please call us at 01 4610682 and we promise you won’t be left on hold.

Zoom and MS Teams

If you cannot get to the office or would prefer to chat with us from the comfort of your home, we can set up a call with you at a time convenient to you. Send us your contact details with a date and time and we will do our best to make this happen.

For more information click on the button below:

 

 

ARE YOU EXPERIENCING AN EMERGENCY SITUATION?

Borrow up to €2000 today with our Life Loan

*Normal lending terms and conditions apply.

Maximum loan term: 60 months

Loan are assessed on affordability.

Credit cannot be advanced where arrears exist on a current loan.

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.

Black Raven Credit Union Limited is regulated by the Central Bank of Ireland

 

Imagine not having to worry about back to school expenses?
Imagine being prepared!
Take the stress out of budgeting for back to school expenses.

Why not plan ahead for the coming school year. Back to school is expensive. With uniforms, books and supplies it’s easy to see how the cost can add up!

Whether it’s an iPad or laptop, books or uniforms we can help you budget the cost over
the longer term. 

Each school year can be costly, but it doesn’t have to be stressful. 

You can save in a Money Saver Account to budget for the costs or we can help relieve your stresses with a loan that can not only cover the costs of back to school but other fees.

Talk to us today about how to set up a Money Saver Account. Call us on 014610682 or  email us at enquiries@blackravencu.ie

 

 

To become a member of Black Raven Credit Union, you must meet the Common Bond which is to be an employee or retired employee of South Dublin, Fingal or Dun  Laoghaire  Rathdown County Council.

Maximum loan term for €2000, 24 months. 

There is no penalty for early repayment of loans, interest is calculated on the reducing balance.

Loans are subject to approval criteria. 

Loan are assessed on affordability.

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.

Sample Loan repayments:

Black Raven Credit Union Limited is regulated by the Central Bank of Ireland

 

This email and any attachment are subject to copyright and are intended only for the named recipient. You are advised not to disclose the contents of this email to another person or take copies of it. This message is private and confidential. It must not be disclosed to, or used by anyone other than the addressee. If you receive this message in error, please notify the sender immediately. Although this email and any attachment are believed to be free from viruses, it is the responsibility of the recipient to ensure that they are virus free. Black Raven Credit Union Limited accepts no responsibility for any loss or damage arising in any way from their receipt, opening or use. Black Raven Credit Union Limited is regulated by the Central Bank of Ireland.