Region: ROI

From time to time, the INTO runs competitions and draws for members via InTouch, our e-newsletter, website or social media. Only essential data required for the running of the competition is requested from members.

The data collected is deleted once winners have been selected.

The full name and county of prize winners is published by the INTO. By entering the competition, it is assumed consent is given by members for publication of these details.

For more information on T&Cs see individual competitions.

Comhar Linn Crossword

Who we are

 We are Comhar Linn, a modern member-driven financial co-operative owned by our members. We provide over 24,000 members with highly competitive rates, loans and savings services.

In summary:

• We exist for teachers
• Our members trust us
• We are loyal to our members
• Professional & personal service
• Not for profit

Why Join?

So, why should you look to join Comhar Linn INTO Credit Union?

Comhar Linn exists for the sole purpose of serving INTO and RTAI members and their families on a not-for-profit basis, and that marks us out as being different to ‘traditional’ financial institutions.

• We want to help you as much as we can
• We are trustworthy and responsible
• #1 objective is to be the best partner for loans and day-to-day banking

The benefits of joining Comhar Linn:

• Current Account with debit card and overdraft available services
• Flexible loans at competitive rates
• Easy access to services by phone and online
• Free life protection on savings and loans
• No hidden charges

Ultimately, a credit union is set up by people for people with the expressed purpose of benefiting members, and Comhar Linn is no different. INTO/RTAI members achieve more together as a union than they could do apart, and the same is true when it comes to financial services. We are the place where teachers borrow. We exist for teachers. When you join Comhar Linn, you help us to continue helping teachers.

Learn more or email us today on info@intocreditunion.ie

The INTO is very pleased to announce that Cornmarket is offering a health insurance comparison service again this year to all our members. This service provided by Cornmarket Group Financial Services Ltd. will save you time searching through hundreds of plans, and help you find the most suitable health insurance cover at a competitive price. 

8,046* INTO members and their families trust Cornmarket with their health insurance comparisons. With over 325 plans on the market, it can be confusing when reviewing your options, that’s where Cornmarket come in! They’re Ireland’s largest health insurance broker & in one phone call will compare all plans from all providers to ensure you’re confident in your cover. 

Last year INTO members saved on average €282** when they reviewed their policy through Cornmarket!  

To compare your current health insurance plan, identify your possible savings or find a plan to suit your needs, check out Cornmarket’s new online tool or you can call them on (01) 408 6214. 

*Source, Cornmarket November 2021. **Average saving based on 287 INTO members who reviewed & switched their cover between October 2020 & October 2021. Source, Cornmarket November 2021. 

Professional Tax Services

TaxReturnPro.ie offers a professional tax services to INTO members.

The company provides an annual tax return service along with ongoing support and advice regarding financial and taxation affairs.

Filing an Annual Tax Return can be quite a daunting task for most people. To ensure that you are paying the right amount of tax and remain tax compliant, you may wish to employ the services of a professional.

Damian Wilson of TaxReturnPro.ie has over 20 years’ experience in providing Professional Tax Services to teachers. He regularly speaks at INTO Seminars on tax related issues and also provides similar services to the Retired Teachers Association of Ireland.

This service may be suitable for the following reasons:

• Are you in receipt of PAYE income only?
• Do you receive Rental Income from property or land?
• Do you have income from Self-Employment?
• Are you in receipt of any Foreign Income?
• Does the 31 October deadline apply to you?
• Do you require Tax Advice?

If you (or your spouse) answer yes to any of the above questions, please contact TaxReturnPro.ie and quote your INTO membership number to receive exclusive discounted fees.

TaxReturnPro.ie contact details are:
Phone: 01 223 4535
Email: help@taxreturnpro.ie
Website: TaxReturnPro.ie

EDUC Mortgages can offer INTO members expert mortgage advice and exclusive offers.

Buying a home is a daunting task and dealing with the maze of offers from all the banks can be intimidating. EDUC Mortgages will advise members on all aspects of mortgages.

So if you are a first-time buyer, moving home, considering building a new home or if you currently have a negative equity mortgage, EDUC Mortgages can help you get a new mortgage.

EDUC Mortgage’s exclusive offers for INTO members include:

• Free consultation and advice – no fees
• Same interest rate as you receive from the lenders directly

EDUC Mortgages has access to the following providers:

• KBC Bank
• Permanent TSB
• Ulster Bank
• Haven Mortgages (Part of  AIB and EBS group)
• Finance Ireland
• Avant Money
• Dilosk DAC ( I.C.S)
• Bank of Ireland
• Seniors Money Mortgages Ireland

Do you currently have a mortgage? Now is the time to re-examine your interest rate, switch and potentially save thousands on mortgage repayments. EDUC Mortgages can help INTO members to do that. It will cost you nothing to change.

Find more information on EDUC Mortgages here.

My husband and I availed of the EDUC Mortgage Advisory service in the past few months, when buying our first home. Séan, our advisor was fantastic! He made the whole process very straightforward! In addition to being very contactable, he was extremely obliging in assisting and advising us on all areas of our mortgage application in a very friendly and personal manner. – M. Kenny

We used EDUC mortgages to apply for our self-build mortgage after having difficulty getting approval with our bank. We found them to be professional, knowledgeable and very efficient. If we had any questions they were always only a phone call away. We are halfway through building our house now and delighted that we decided to go with EDUC mortgages. – P. Moroney

I found working with Sean very straight forward. His knowledge of the current mortgage market was great and he was able to negotiate a good deal for me with Ulster Bank. I would have no problem recommending him to others and have done so already. In fact, colleagues of mine are currently dealing with him. – A. Naughton

My husband and I (both INTO members) used Educ mortgages when looking for our self-build mortgage last year. Sean made the whole mortgage process pain free! He was so encouraging and positive. His advice was invaluable. We are now over halfway through the project and hope to move into our beautiful new home during the summer. We have and will continue to recommend Educ mortgages to others. – E. Cusack

The INTO is not a Qualified Financial Advisor (QFA). Therefore, any materials in relation to mortgage brokerage services do not constitute or comprise INTO advice and are provided for general information purposes only. The company EDUC Mortgages operates independently of INTO through QFAs regulated by the Central Bank. Terms and conditions apply in respect of all financial services and the arrangement of any mortgage brokering services rests between the individual member and the service provider.

The Irish National Teachers Organisation has partnered with AIB to offer you an affinity credit card with a reduced interest rate, issued exclusively to INTO members and staff.

Benefits to you:

• No annual bank fee¹
• An introductory annual interest rate on purchases and balance transfers for 12 months from the date the credit card account is opened
• Up to 56 days interest free credit²

Notes

¹ Government stamp duty of €30 is charged annually per credit card account.
² If you pay your balance in full and on time each month you will avoid paying any interest.

Application procedure

If you would like to apply for an INTO/AIB Visa Credit Card, please contact AIB for an application form on (01) 6685500 or by email cc.sales@aib.ie.

FAQ

Who can apply for the INTO Credit Card?
INTO members, staff and friends of the organisation may apply for the INTO Credit Card. Please note applicants must be over 18 years of age. Terms and conditions apply.

Can I apply for the INTO Credit Card if I don’t bank with AIB?
Yes you can, along with a completed and signed application form, please also send in one copy of photographic ID and two original utility bills. Alternatively, you may call into any AIB branch and have an AIB staff member sight the originals and copy them for you.

I don’t live in Ireland, can I still apply for the INTO Credit Card?
As long as you hold an Irish bank account, you can apply for this card wherever you are based in the world.

How can I make the application procedure easier?
In order to make the application procedure easier, don’t forget to include the following:

• Completed application form.
• If you are NOT already an AIB Account Holder, please understand that to comply with the Criminal Justice Act 1994, AIB is obliged to establish your identity(passport or drivers licence) and permanent address (a household bill or recent bank statement) before you open an account.

Lending criteria, 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. Government stamp duty of €30 is charged annually per credit card account. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

There are four INTO endorsed schemes open to INTO members:

1. Salary Protection
2. Additional Voluntary Contributions (AVCs)
3. Teachers Car Insurance Scheme for INTO members

INTO insurance brokers, Cornmarket, maintain an on-going review of the Teachers’ Car Insurance Scheme to ensure that it provides attractive rates for a broad range of policyholders. Following the most recent review, it was felt necessary, in order to maintain the competitive rates, to make some adjustments to the scheme benefits such as a change to the policy excess/windscreen breakage, etc.

These changes will apply to policy renewals from 1st July 2014 onwards and will be outlined in policy documentation issued to customers. Please note, however, there has been no increase in scheme rates.

The INTO has a number of specially negotiated benefits for the general membership that it is happy to recommend. However, please note that the INTO does not endorse all of the offerings of any one company but only those mentioned. Terms and conditions do apply in all cases and the arrangement and/or purchase of any insurance product or financial service rests between the individual member and the service provider.

Membership Plus is your member benefits programme. From pizza to pub grub, days out to golf, hotels to big brand names, there is something for everyone with significant savings in a short space of time.

To view the full range of offers, see new offers as they are added throughout the year, enter competitions and much more, ensure you have registered your card by visiting the Membership Plus website.

Where would you like to save with your Membership Plus Card?

Has the hottest new restaurant opened down the road from you or maybe your favourite place to go shopping isn’t yet in Membership Plus? Log onto the Membership Plus website and click on Suggest a Venue to let the Membership Plus team know.

By suggesting a venue, you help Membership Plus grow in the way which benefits you most. Our venue team will contact the suggested company and once we secure an offer we will add it to Membership Plus.