The winner of the Alan Gallagher St. Patrick's Credit Union Third Level Educational Award for 2015 is Luke Sheridan, son of John Sheridan, working in ESB Head Office, Fitzwilliam St, Dublin 2.  Luke is undertaking a BSC Science degree in Trinity College.

Congratulations Luke and we wish you every success in your future studies.

So says Michael Kilcoyne, deputy Chairman of the Consumers Association of Ireland, in an article on the 27^th May in the Motors Section of the Irish Independent. He says that some people are paying little or no close heed to the whole area and are letting money slip away from them.

Visit them for news, information on joining and see the amazing work being done on www.electricaid.ie

Thanks to everyone who signed up for EFT during December and January. The winner of our EFT sign up competition is Michael Rowland of Lough Ree Generating Station. Congratulations Michael !

Let's say your child starts college this September and you want to borrow €11,000 to put them through their first year of college.

Permanent TSB charges 12.5pc interest on a standard personal loan of €11,000 - which will cost you €3,614 over five years. They also offer cash secured loans at 7.1pc - but you can only get this rate if your entire loan is secured on savings.