MYCU Current Account holders, who are aged 18 years or over, can apply for an Overdraft, where it is available, of between €200 and €5,000

You can apply online through your Credit Union Online, if you are a registered user, or contact your Credit Union

An Overdraft set-up fee of €25 applies for a new or increased Overdraft 

Annually renewed Overdrafts also incur a fee of €25  

Interest is charged on overdraft balances at a variable interest rate, currently 12.00% p.a.,  whether there is an approved Overdraft facility on the account or not

We do not charge surcharge interest on MYCU Current Accounts

Important Information

All Overdraft applications are subject to a credit assessment and are entirely at the discretion of the Credit Union. Lending criteria and terms and conditions apply.