Accesscu Retirement

Pension-Focused Deposit Rates

Retirement deposits earn 1.5% AER between €2,501 and €10,000 and 2.5% AER above €10,000, and the higher rate applies to every euro once you cross the threshold.

Accesscu is a credit union, not a stockbroker, so its retirement deposits are deposit-based: your money earns AER interest on the balance and is never invested in shares or funds. Rates are reviewed monthly and published in full on the rates page.

The tiered structure rewards consolidating smaller pension savings into one account: moving €12,000 from two old savings pots earns 2.5% AER on the full balance, roughly €300 a year before tax.

Deposits are protected under the DGS by the Central Bank of Ireland up to €100,000, which applies across all Accesscu deposit accounts held by one member with the credit union.

Free Retirement Advice Appointments

Retirement advice appointments are free for all members — book online, at a branch, or by calling +353 1 555 0123, which is open 24/7.

You are not pushed into anything: the meeting is designed to unpick your options — how much to keep liquid, how to ladder deposits, how and when to draw income — and closes with a short written summary you can take away.

Appointments run at the Dublin HQ or over secure video. Our advisers can also compare your Accesscu deposits with your existing pension arrangements where you bring documents, but they will never recommend moving money into a stock-market product.

1. Book a slot

   Use the app, the planning form to apply online, or call +353 1 555 0123 — evening and Saturday slots are available.

2. Gather your numbers

   Bring a note of current balances, maturities and dates; a rough monthly income target to aim for is useful too.

3. Meet the adviser

   A 45-minute session at Dublin HQ or over video, covering rates, tiers and drawdown.

4. Leave with a plan

   You receive a one-page written summary with the recommended deposit structure — no cost, no obligation.

Drawdown Options in Retirement

You can draw income from your retirement deposit ad-hoc, as a fixed monthly payment, or a mix of both — whichever suits the year you are in.

Drawdown rules are designed for real retirement cycles: some years need a lump sum for a car or a grant, other years just want the interest to flow monthly. Accesscu supports both, and you can switch between them once a year.

There is no exit charge on the flexible retirement deposit: you can close it or skim it at any time, and partial withdrawals move into your checking account the same business day.

For fixed monthly income you choose a sum and a start date; the app shows how long the balance will last at the current rate before you commit.

• Ad-hoc — withdraw any amount at any time, same-day to checking.
• Fixed monthly income — e.g. €300 a month, paid on the 1st.
• Annual switch once a year between ad-hoc and fixed options.
• No exit charges, no lock-in on flexible retirement deposits.

SSIA-Style Maturity Accounts

An SSIA-style account takes regular monthly deposits, typically €50 or more, and pays out your savings as one lump sum at the end of the term.

The structure deliberately follows the design savings-conscious Irish households remember from the Special Savings Incentive Accounts: small, disciplined monthly deposits building toward a single maturity payout.

Terms available are 3 years and 5 years. At maturity the full deposit plus all credited interest is paid to your savings account in one payment, and the account can be opened again — or rolled into a standard term deposit.

The monthly payment date is your choice, and you can increase or pause the deposit with 30 days notice without losing the account.

1. Pick a term

   Choose 3 years or 5 years; the longer term uses the higher tier of retirement deposit rates.

2. Set the monthly amount

   From €50 a month, paid by direct debit or standing order from your checking account.

3. Build quietly

   Progress is shown in the app, and you can pause or adjust the amount with 30 days notice.

4. Maturity

   The full balance plus interest lands as one lump sum on the maturity date — no forms, no waiting.

Savings, Not Stock Trading

Accesscu retirement accounts are deposit-based savings — your money earns AER interest and is never invested in stocks, funds or crypto.

By law and design, credit union savings accumulate interest without market risk. That makes the returns modest but predictable: nobody is watching the markets, and no account value drops overnight because of a headline.

If you want stock-market exposure, a credit union deposit is not the vehicle. Our advice appointments are honest about this and point out where to compare alternatives, but Accesscu does not offer a brokerage or stock-trading product of any kind.

Frequently Asked Questions About Retirement Savings

The five questions members ask most cover rates, the difference from a pension, drawdown, SSIA-style maturity and the cost of advice.

The rates page lists every tier, and the support line +353 1 555 0123 is open 24/7 for anything not covered above.