Annual Dividend

The Harp and Crown Credit Union is a non-profit making organisation, with an annual audit carried out to determine the dividend (interest) payable to its members.

  • The Credit Union returns all profits (after running costs) to its members.

  • The dividend (interest rate) is declared at the AGM approximately each December.

  • In line with rule 34.5 dividends will only be paid to those in membership of the credit union on the date the dividend is declared.

  • The dividend is based on the member’s average monthly balance over the course of one financial year (1st October – 30th September).

For the financial year October 2021- September 2022 we paid out 1% on savings (an increase from 0.75% previous year). We also paid a loan interest rebate to borrowers, where applicable, based on the October 2021- September 2022 accrued rates. 

Why choose a credit union?

Remember there are many benefits of joining a credit union, compared to a bank.  Our members can avail of lower interest rate loans, 5 x times their savings, subject to terms and conditions.

Check out our top reasons to borrow from a credit union v a bank!

We are here for you Harp and Crown Credit Union members!


Harp and Crown Credit Union Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number (FRN) 577113. For details visit
regulator fca fcsc