Our Services
We offer a range of Credit Union services including mortgages, home, life & travel insurance, foreign exchange and much more.
We offer a range of Credit Union services including mortgages, home, life & travel insurance, foreign exchange and much more.
Discover various convenient methods to pay or withdraw money from your account.
Members can pay their ESB, Eircom and Estuary Fuel Bills with a bill pay account.
Pay your bills for free-no transaction charges
Members can pay their ESB, Eircom and Estuary Fuel Bills with a bill pay account.
Did you know you can also pay your credit cards here in Cois Sionna Desmond Credit Union?
The following bills can be paid:
The service is FREE; no commission added to the bill.
Credit Transfer can be done from your bank account. Credit Transfers allows you to transfer funds from your bank account to Cois Sionna Desmond Credit Union
Part or all of your earnings can be transferred to your Credit Union on a regular basis to save, pay off loans or ready for you to withdraw. Payroll runs from local business including Wyeth Nutrition, Aughnish Alumina and Kingspan. This is a free service offered to members who are employees of this companies.
Members can transfer funds by Electronic Funds Transfer to bank accounts in Ireland with the minimum of fuss.
Cois Sionna Desmond Credit Union Sort Code 99-21-97
Cois Sionna Desmond Credit Union is part of the Banking Network and is therefore allocated a Sort Code of 99-21-97. Each members account is allocated an 8 digit bank account number for online banking purposes. (Please contact the office to receive your unique account number).
Benefits of Sort Code
On 1st November 2009 the Payment Services Directive (PSD) was transposed into legislation in Ireland and throughout the EU. This Directive ensures that the same legal framework applies to all payments made within Europe whereby businesses and consumers can make payments easily, cost effectively and efficiently. The PSD establishes the necessary legal framework for SEPA payments and also applies to existing national payment products. The PSD was transposed into Irish legislation as the European Communities (Payment Services) Regulations 2009.
Cois Sionna Desmond Credit Union
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to