Electric Mail > Life > January 2009 > Personal Finance > St. Patrick's Credit Union (ESB Staff) Ltd.

Win an iPod nano!

To be in with a chance of winning this month's competition please answer the following question and text your answer to 087 9858238 in the format of the following example: "CUCOMP A [your answer] Joe Bloggs [your name]"

Loan applications are judged on what primary consideration?
a) Reason for loan
b) Repayment capacity
c) Amount in shares

Terms & Conditions apply Only one entry per person, no mail entries acceptable, and the closing date is Friday January 30th.

Last month's winner was Christy Hogan, ESB Power Generation. Congratulations Christy and your iPod nano is on the way to you.



		Personal Finance Simon Dunne of St Patrick's Credit Union shows how to save money, time and stress. St. Patrick's Credit Union (ESB Staff) Ltd. New Year resolutions This is the time of year when a lot of us make resolutions. We make promises to ourselves about how we hope to live our lives for the next 12 months and beyond. One of the most important resolutions we should all make is a financial one and one that is sure to save us money, time and stress: to use St. Patrick's Credit Union more often for our financial requirements. The reasons are very simple: Loans One of the cheapest personal lending rates in the country at just 6.5% pa. Easy application process through our website www.stpatrickscu.ie Flexible terms and conditions Applications judged primarily on repayment capacity and not on the amount held in shares. The facility to top up your loan without clearing existing balance. Budget Account An excellent service that allows our members to meet their ongoing household bills, such as mortgage, ESB, telephone, service charges, etc, by spreading the cost over a 12 month period and thereby avoiding hardship in those months when a lot of bills fall due at the same time. Free insurance cover Our members are entitled to FREE life insurance cover on loans and shares. No Bank or Building Society offers such a service. Foreign exchange We offer a convenient way of ordering your foreign currency, commission FREE, through our arrangement with Thomas Cook. So make that resolution now and stick to it: "I will use St. Patrick's Credit Union more often this year and save myself a lot of money and stress." For more details please visit our website www.stpatrickscu.ie or contact the office on 01-6325100		St Patrick's credit Union competition Win an iPod nano! To be in with a chance of winning this month's competition please answer the following question and text your answer to 087 9858238 in the format of the following example: "CUCOMP A [your answer] Joe Bloggs [your name]" Loan applications are judged on what primary consideration? a) Reason for loan b) Repayment capacity c) Amount in shares Terms & Conditions apply Only one entry per person, no mail entries acceptable, and the closing date is Friday January 30th. Last month's winner was Christy Hogan, ESB Power Generation. Congratulations Christy and your iPod nano is on the way to you.