There are many benefits to being a member of ASTI Credit Union, we offer a great deal more than other financial institutions:
| ASTI Credit Union |
Other Financial Institutions |
- Low interest rates on loans
(as low as 5.5%)
- No processing or documentation fees
- Free Loan Protection
- Insurance
- No penalties for paying loan off early
- Easy application process & speedy decisions
- You as a member benefit from any surplus in the form of dividend
- More loans, more dividend for you the member
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- Personal loans range from 7.9% upwards
- Can be charged up to €35 in fees
- You pay for any loan protection insurance
- Penalties often applied
- Lots of documentation
- may have to wait for decision
- You don’t get anything back
- More loans more interest greater profit for the shareholder
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The Savings Protection Scheme currently amounts to over €73 million. The Savings Protection Scheme protects the individual savings of members by making sure that the credit unions are financially and administratively sound. The savings of individual members may be protected up to a maximum of €12,700.
