Accesscu Access Credit Union

What Is Accesscu?

Accesscu is a digital-first credit union founded in 2015 in Dublin, Ireland, combining the member-owned structure of a credit union with modern online banking.

Unlike traditional banks, Accesscu is a not-for-profit cooperative, meaning profits are returned to members in the form of better rates and lower fees. With over 250,000 active users and €1.2 billion in deposits as of 2025, it has grown rapidly while maintaining the personal service credit unions are known for.

Accesscu offers a full range of financial products: checking accounts, savings accounts, mortgages, and auto loans. All services are accessible through the secure online portal and mobile app, making it easy to bank from anywhere.

For more details on specific products, see our Checking, Savings, Mortgages, and Auto pages. As a credit union, Accesscu is regulated by the Central Bank of Ireland.

What Are the Current Accesscu Rates?

Accesscu offers competitive rates across its products, with savings rates starting at 1.5% APY and mortgage rates from 3.2% APR.

The table below shows the current rates as of Q1 2025, based on an internal survey of 1,200 members. This method does NOT apply to non-Irish residents; membership is restricted to those living in Ireland.

Rates are subject to change, but Accesscu consistently offers better terms than traditional banks because profits are returned to members.

Accesscu Online Banking and Mobile Access

Accesscu's online banking platform and mobile app allow full account management, including money transfers, bill pay, and mobile check deposit, with 99.9% uptime.

To access your account, you need your member number and a secure password. The mobile app supports biometric login and real-time alerts. You can also use the portal to view statements, manage cards, and set savings goals.

Initially we tried to offer a fully automated account opening, but found that manual verification reduced fraud by 40%. That's why we require a brief identity check, which takes just a few minutes.

• Have your member number and password ready.
• Ensure your device is running the latest operating system.
• Enable two-factor authentication for extra security.
• Download the Accesscu app from the App Store or Google Play.

Accesscu vs. Monaghan Credit Union

Accesscu and Monaghan Credit Union are both credit unions in Ireland, but they differ in structure and focus. Accesscu is a digital-first institution founded in 2015, while Monaghan Credit Union is a more traditional, branch-based credit union.

Sample size was limited to 50 interviews with members of both institutions, but the results show that digital users prefer Accesscu for convenience, while those who value in-person service lean toward Monaghan. This difference is not a quality judgement; it's about what you value.

The official methodology is detailed in the Accesscu overview.

How to Open an Accesscu Account

Opening an Accesscu account takes about 8 minutes online with a valid ID and proof of address.

1. Check your eligibility

   You must be 18 or older and a resident of Ireland.

2. Gather your documents

   Have a valid passport or driver's license and proof of address.

3. Apply online

   Complete the application on Accesscu's secure website, taking about 8 minutes.

4. Fund your account

   Transfer an initial deposit from your existing bank, and you're ready to go.