7278 esb newsletter web

New Foreign Exchange Service

People Helping People

SEE INSIDE FOR FURTHER DETAILS

NEWSLETTER ISSUE 2 APRIL 2016

CREDIT UNION GREEN LOANS

HOME

IMPROVEMENT LOANS

AIRPORT

Inside GUIDE TO ONLINE BANKING FROM START TO FINISH

PCP CAR FINANCE • COMPETITIONS • ENERGY EFFICIENCY AND HOME IMPROVEMENT ADVICE • THE KERB AND MORE...

Online Banking made easy Getting used to something new fangled like online banking can be pretty daunting. But not with our handy guide.

Here’s how easy it is to get up and running.

I already have a 4 Digit Pin What now?

Well, now you need to go to www.stpatrickscu.ie, and click on this button

in the top right hand corner of the homepage.

This will take you to the ‘Online Banking Help Page’.

Once you get there just click on

You’ll be asked to enter your old four-digit pin. Then you’ll be able to create a new PIN, a more secure 6 digit PIN of your own. And it’s this PIN that you’ll use to log in to access your account in the future.

So don’t forget it!

I’ve never registered so I don’t have a four or six Digit Pin Just call us on 1800 94 00 77. We’ll take your details and post you out a PIN number you’ll be able to use online.

Do it all online If you’re already a whizz on the internet then register at www.stpatrickscu.ie. When you get there just click on this button _______ in the top right hand corner.

This will take you to the ‘Online Banking Help Page’.

Then just click on this button

and fill in the form.

That’s it, you’re set up and good to go!

Transfer funds to 3 other accounts Transfer funds to 3 your bank account

Apply for a loan 3

Set up Payees 3

Pay bills 3 Check your balances 3 Check your 3 statements Once you’re registered you can tap the App for banking on the move ! Download the St. Patrick’s Credit Union banking app on iTunes or Playstore

Congrats, you’ve done it! A member of staff will give you a quick call to confirm your identity, put the finishing touches to your registration, and get your PIN out to you in the post.

You will find more information in the FAQ Section on www.stpatrickscu.ie or you can call us on 1800 94 00 77.

Our New Foreign Exchange Service Money for your holidays, without the hassle Imagine you could order your foreign holiday money from anywhere, and have it delivered straight to your door?

NEW YORK

Well you can with our fantastic new Home Delivery Foreign Exchange Service.

It does exactly what is says on the tin. And it’s available from May 2016 at www.stpatrickscu.ie It’s quick, easy and all thanks to our new partnership with FEXCO. Be sure to try it.

Here’s why you’ll love it:

3 3 3 3 3 3 3 3 3 3

Convenient – no more queueing at the bank or post office.

You can place orders 24/7

Secure online payment

Secure delivery - all orders are fully secured and delivered

by An Post (registered mail) Major currencies delivered next working day (just order before 12 noon)

All other currencies delivered within 2 working days

FREE postage on orders over G750 (G6 charge on orders under G750)

Minimum order G400. Maximum G2,500

Competitive exchange rates

Commission FREE. Yay.

Whatever the currency, we’ll have it.

€

$

CREDIT

UNION

£

As soon as we know the exact date the new service will be available we’ll let you know. But if you’ve any questions in the meantime just give us a bell on 1800 94 00 77.

Stop putting off that extension, or doing up the kitchen, or replacing that floor - because with our Home Improvement Loan you can make them all a reality. You can start dreaming again. Here’s a few tips to get you in the mood.

rest thing like Pinte There’s no zz is spiration. Hou to give you in

erful website another wond ve ha rs hat othe to visit. See w you imagine what done, and just self. could do your find the d. Not just to un o ar p ho S

ur to see what yo best value, but g o point gettin options are. N you carpet unless a brand new s Or new window really love it. es on e th definitely unless they’re ’re ey th e they’re in, you want. Onc e ak homework. M in, so do your st. fir em love th sure you really

ally, work for. Basic already done ance. You’re don’t take a ch e money. Just b investing your ing d fin in e the tim sure to invest n too. the right perso

3

to where when it comes Be clever u ur money. If yo you spend yo s ow sh property love your TV s ere are alway you’ll know th taking save without great ways to about quality. Think short cuts on And ould splurge? where you sh really u u skimp? Yo where can yo self a fortune, can save your to do oney left over leaving you m e. ound the hous other things ar

3

3

pert be the DIY ex You might a to putting up when it comes e than ’t bite off mor shelf, but don ng if you’re thinki you can chew e are er th that note, bigger. But on self, ur you can do yo lots of things re your toolbox so do make su ing b too - by mak is up to the jo ocked. sure it’s well st

3

e like rovements ar Home imp g a great in d . Like fin anything else u reat doctor. Yo dentist. Or a g for n e best perso want to find th you’re e same when the job. It’s th all ntractor. We’ve choosing a co et g So or stories. heard the horr ey’ve lk to people th references, ta

3

make ything in life, It’s like an s helps. How a plan. It alway h st? How muc much it will co st ? Don’t ju time it will take out. Because guess. Work it

anging things if you start ch it ct je ro p h your halfway throug e or m works out nearly always do the expensive. So the efore you do groundwork b a e av le always real work. And the odd little extra for 5% is ideal.) surprise. (10-1

3

or Give Siobhan on zz u Simon a b 2 5125 3 6 01-632 5121/ her. to discuss furt

FOR SALE

16

TM BUILDERS L

Oh, the things you’d do with the house if only you had the money. Well, now you can with our

Home Improvement Loan

Crikey, there’s been some nip in the air this winter. But at least come next winter you can be as snug as a bug thanks to our

Green Loan‌

Our Green Loan offer means you get a special lower interest rate if you’re doing any work on your home that improves its energy efficiency. And just think of those lower energy bills. Here’s the kind of things you could do: First off, get a good handle on how energy efficient your home already is by getting an energy audit. An energy professional will visit your home and tell you exactly where you can make improvements.

Plug up all those leaks that are letting all that cold air into the house. You’ll usually find them lurking around the doors and windows. Even a simple strip of insulation between the gaps can make the world of difference.

Think about new windows. They’ve come on leaps and bounds in terms of keeping the heat in, and the cold out. So it’s well worth thinking about replacing those old, leaky ones.

Find out if you’ve any hollow doors around the house, and think about replacing them. That’s because any kind of hollow door is just a disaster, because the air just goes right through them and into you!

Something as simple as adding some insulation will not only keep your home cosy all year round, but could save you up to G500 on your energy bill.

Heating up the water always makes up anywhere between 15% to 25% of your annual heating bill. But not when you have one of those highefficiency water heaters. Another thing that’s well worth thinking about.

If you don’t have a programmable thermostat, get one. Seriously, they’ll save you about 10% on your energy bills, so they literally pay for themselves in just a few months.

That’s that so. Some great ways to put manners on those heating bills, by lowering them significantly. And why it’s well worth thinking about getting our Green Loan to make it happen.

Oh, and If you visit www.seai.ie you’ll find even more great advice.

Visit us at www.stpatrickscu.ie and find out more about the Green Loan or give us a call at

1800 94 0077

“

“

Getting my Green Loan was a doddle. And it couldn’t have been more efficient. I simply applied online, emailed in a few required documents, and then popped into my branch to sign on the dotted line. A great experience from start to finish.

PCP (Personal Contract Plan) - A member’s view Here we go again, banging on about the pitfalls involved with a PCP (Personal Contract Plan). But we wouldn’t do it if it wasn’t important. This time a member shares his thoughts on why the devil really is in the detail.

‘First off, you really do need to know what you’re getting into. Yes, there can be lots of positives to a PCP (Boy, those low rates do sound appealing), but there are also negatives to be aware of before you get a new car with a PCP. Here’s a few of them: You’ll no doubt be told you can settle early without having to worry about a penalty, but be careful. That’s because the interest could be front loaded. If it is front loaded be aware that you might well end up owing more than you budgeted for. But whatever the structure, one sure rule of thumb is that the lower the PCP rate, the better.

Before you drive your new car down the road, remember what might be coming down the road. Like will you keep to the mileage limits? Be honest with yourself. Of course, you can go over, but there will be a penalty for every extra kilometer.

Remember too that the extra mileage penalty only kicks in if you plan on handing the car back at the end of your contract. Also, pretty much every PCP contract has a low value GMTV (Guaranteed Minimum Future Value) for the car factored into the agreement, a value which in a nutshell reflects how much you’ll repay over the term. Which could be a lot!

If you don’t have the balloon payment in your back pocket, you’re probably best to play your cards close to your chest and say you’re undecided whether you want to clear the balance or upgrade to a new model. That’s because if you reveal you don’t have the balloon payment handy you’ll be in a weaker negotiating position, and be at the mercy of the sales team in terms of how much equity they say is in your car. (The equity is calculated by the trade-in value less the GMTV, or whatever is outstanding.)

Finally, because it appears that you might not have as much equity as you thought you would, you’ll probably feel pressured into going with the same car brand again. Bingo. They’ve got you. Again.

So what’s the better way? Our way of course, where a loan from your trusted Credit Union means you’ll be in control of your funds, which means you’ll be better able to negotiate at the dealership. And, of course, you’re far less likely to be tied into one particular car brand.

At the end of your contract you might be tempted to trade in the car and get a new model. But again, be careful. That’s because the sales teams in the car dealership can usually recognise if you have balloon payment to hand or not.

Simo2 5n125

(01) 63

Siobhan121 (01) 632 5

For instant car loan approval (in principle), give Simon or Siobhan a buzz....

Winner of the Nissan Not e Francis McEvoy, Termonfeckin, Co. Louth Congratulations Francis and we wish you many years of safe and enjoyable driving.

Winners of G1,000 each Noel Bollard

Michel O’Toole

Anthony Rider

Sarah King

James Barcoe

John P Moran

Timothy Lyons

Sean O’Hara

Sean O’Carroll

James Sweeney

Well done to all our winners.

The The next next draw draw will will be be held held at at the the end end of of April.

April. You You have have to to be be in in it, it, to to win win it! it! Head Head to to the the website website and and enter enter the the Car Car Draw Draw online online today! today!

Competition Winners Facebook Competition

Electric Mail Competition

Congratulations Sasha!

Well Done Betty!

Sasha Manasejeva winner of our Facebook Competition being presented with her prize from Matthew Carpenter Marketing Assistant in St Pats. Happy Shopping Sasha !

Betty Hyland, winner of the Electric Mail Competition was presented with her Kindle by Dominic Hartnett our Agent in Portlaoise. Happy reading Betty !

The Rising on our doorstep Did you know we’ve a little bit of Irish history right on our doorstep? Our head offices at Herbert Place were at the heart of many key locations where the events of The Rising unfolded.

At Mount Street Bridge - just 300 yards from our offices - on Easter Monday, 24th April 1916, at 11:00a.m., Lieutenant Michael Malone inspired 17 Volunteers from ‘C’ Company, 3rd Battalion, to prevent British reinforcements from entering the city.

That eventful morning, the rebels took up several key positions from the bridge to the junction of Northumberland Road and Pembroke Road - including Carrisbrooke House, 25 Northumberland Road, the Parochial Hall, and the Schoolhouse.

The Volunteers faced a battalion of British Soldiers.

Four Volunteers lost their lives, as well as a number of civilians. Official British casualties amounted to four officers and 216 other ranks killed or wounded during the engagement at Mount Street.

There are lots of events around the country to remember the 1916 rising, checkout www.ireland.ie/ EasterRising for details of events in your area.

Joe Fortune - Child of The Rising Would you believe it was almost a month to the day of The Rising that our very own member, Joseph Fortune, was born - on 18th March 1916.

Joe celebrated his 100th birthday with his family and friends last month. Congratulations from all of us Joe, it’s not every day you join Ireland’s Centenarian club. Huge thanks to Joe’s family for sending in these fabulous photographs, as you can see he’s not lost the glint in his eyes. We look forward to continue being of service to this grand man in the future.

Are you a Dreamer?

Or a Doer?

With our easy access, low rate, no fuss loans there’s never been a better time to stop dreaming and become a doer.

Competition!

Take out a loan during May – August 2016 and you’ll be entered into a draw to win G750 One4All Voucher!

Apply online www.stpatrickscu.ie or download an application form today and get doing!

Competition entry is dependent on having an approved loan (minimum of G1000) with St Patrick’s Credit Union which was applied for and drawn down between 1st May 2016 and 31st August 2016. Normal lending T&C’s apply.

See www.stpatrickscu.ie for details.

Monday

Tuesday

Wednesday

RB E K T HE

MAY

2

3

4

The birthstone for May is the emerald which represents success and love.

The zodiac signs for May are Taurus (April 20 - May 20) and Gemini (May 21 June 20)

This is a good day to ask your parents or guardian about opening a credit union account to save for holidays!

9

10

11

In 1874 Howard Carter, the Archaeologist that discovered King Tut’s tomb was born on this day.

Offer to do some extra chores around the house and earn a little extra pocket money.

A bat can eat 3,000 insects in one night. Eew!

16

17

18

“Fact of the Day”

Calendar

This month in the Kerb we have a cool calendar with fun facts and saving tips! You can learn about kangaroo babies, burping gorillas and how to save your pocket money!

We also have a join the dots and colouring competition! Because here at The Kerb, we make learning fun!

2002 Star Wars Episode II: Attack of the Clones opens…

Gorillas burp when they are happy.

There are 31,556,926 seconds in a year.

23

24

25

99% of people can’t lick their elbow.

2001 15-year-old Temba Tsheri is the youngest person to climb to the top of Mount Everest.

1977 The movie Star Wars is released.

30

31

1908 Mel Blanc (Voice Actor of Daffy Duck and Bugs Bunny)

Time to check your savings balance for this month! How did you do? Keep it going :-)

Thursday

Friday

Saturday

Sunday

1 On this day in 1931 the empire state building first opened

5

6

7

8

May 5 - Cinco De Mayo The date is observed to commemorate the Mexican army’s unlikely victory over French forces at the Battle of Puebla on May 5, 1862.

The world’s first mobile phone cost $3,995

1998 Apple Computer unveils the iMac.

On this day in 1886 Coca-Cola was invented. Pictured above, John Pemberton, the inventor of Coca-Cola

12

13

14

15

In 1965 The Soviet spacecraft Luna 5 crashed on the Moon.

The largest snowflake ever recorded reportedly measured A new-born Kangaroo is 15 inches across. about as big as a paperclip.

There is a waterfall in Hawaii that sometimes goes up instead of down.

19

20

21

22

A Zedonk is a cross between a zebra and a donkey.

How are your savings coming along this month? Time for a quick balance check.

1932 Amelia Earhart becomes the first woman to fly solo across the Atlantic Ocean.

Clams can live to be up to 100 years old.

26

27

28

29

1939 Batman first shows up as a superhero in a DC comic.

Think about donating some of your pocket money to charity at the end of the 1453 Ottoman armies capture month, it’s good to help Constantinople ending the others.

Byzantine Empire.

97% of the earths’ water is saltwater

It’s cool to save!

Sometimes when you ask your parents for a new toy or treat they don’t always have enough money to buy them for you. So it’s important to save your own money to buy nice things for yourself or presents for other people.

I am saving for a _________________ It will cost ______________________

Everytime you save €5, mark it on the savings chart below and watch your savings grow!

G5

G10

G15

G20

G25

G30

G35

G40

G45

G50

G55

G60

G65

G70

G75

G80

G85

G90

G95

G100

Well Done. You did it!

SAVING TIPS • It’s amazing how quickly your savings build up and you can start buying things yourself, sometimes for the bigger things your parents might be able to help a little bit too.

• If you get regular pocket money put a little bit aside for savings.

• If you are lucky to get Communion or Confirmation money you can maybe treat yourself to something nice and what’s left can go into savings.

• You can do chores in the house to earn extra money too!

A good way to save for bigger things like holiday spending money or maybe you’ve seen a cool game or a scooter, is to open a Credit Union Account. It’s great fun to see your account online (an adult can help you with this) and see how much your savings grow!

We think saving up for games and toys is cool! Good luck with your saving goal!

Happy Saving :-)

We have given a special savings chart for you to keep track of your savings

€

If you are not a Junior Member of the credit union already ask your parent or guardian if you can join.

They can find more details at www.stpatrickscu.ie or call us on 1800 94 00 77

13

1

15

14

2

11 9

12 10 7

4

8

36

5

6 4

38 37

3

6

7

9

8

5

2

34

8 31

33

10

32

27 26

16

7 6

8

14

9

25

13

10

13

14 16

15 13

11 12

23 24

14

15 17

12

16

20

18 15

3 2

10

18

21 19 17

19

11

1

20

22

5 4

9

30 29 28

12

15

6

35

17

2

5

7

11

3 1

1

4

3

14 13

8 7

9

6

10

12 1

11 2

5

3 4

Name the five objects you’ve revealed here 1.

2.

3.

4.

5.

ts, colo is join the do o d to e av h revealed.

All you bjects’ were o er m m u ‘s ers will get a tell us what e lucky winn re th e er h w a prize draw There will be Good Luck. goodie bag! here: e and address _______ Fill in your nam ____________ __ __ __ __ __ __________ _____ ____________ ____________ __ __ __ __ __ ____________ ___ ____________ ____________ __ __ __ __ __ __ ____________ ____________ ___________ ____________ __ __ __ __ __ ______ ____________ tries to: Send your en redit Union, t. Patrick’s C S , n o ti ti e p m The Kerb Co lin 2 rt Place, Dub e rb e 27-28 H ay 2016.

Friday 27th M s ie tr n e r fo Closing date

!

St. Patrick’s Credit Union (ESB Staff) Ltd. is regulated by the Central Bank of Ireland

Bags ie d o o G r u o f Win one o a cool baseball cap, containing le and Piggy Bank! re, and water bott ur in the pictu