You can apply for an overdraft on your Current Account from €200.00 up to a maximum of €5,000.00. The interest rate is 12% pa variable. Interest is only charged on overdrawn balances. Your credit union does not currently apply surcharge interest (surcharge interest is charged by some Financial Institutions on unauthorised overdrawn balances. An overdraft fee of €25.00 is charged on approval and on each anniversary of the overdraft approval date. We will normally request you to provide payslips, bank statements, credit card statements and proof of rent payments (if applicable) for the last three months in support of your overdraft application. Overdrafts are subject to financial status and are not available to persons under 18 years of age. Terms and conditions apply Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. An overdraft facility fee of €25 per annum or per overdraft sanction, whichever is the more frequent will be applied. You can apply for an overdraft in your CU Online Banking or Gurrabraher CU App, over the phone on 0539233835 or in person in any office.