Ballycastle Credit Union is a local, not for profit financial institution specialising in savings and reasonable loans for our community, , owned by its members, whose collective savings form the credit union’s loan fund. Established in 1965, Ballycastle Credit Union continues to be governed by our members and voluntary Board of Directors. Each credit union is an independent, ‘not-for-profit’ organisation that exists solely for the benefit of its members, not stock markets. Decisions are therefore made at a local level. All members over 16 have equal voting rights. . Any surplus income is returned to members by way of a dividend and/or used to improve or add new services for its the members. Ballycastle Credit Union is non-sectarian and non-political, and continues that Irish tradition of co-operative self-help.