 A. You'll probably put off till tomorrow. But don't put off saving on your home energy bills. Go direct to Energia.ie and switch to Energia's cheapest fuel-fuel bundle. Energia. The power behind your savings. EAB €1,926 based on average annual usage. 12-month contract, discounted unit rates, standing charge, PSO levy and carbon tax, tease and seize in early termination fee apply. Valid from October 2021 and subject to change. Verification and tease and seize at Energia.ie forward slash EAB. Homeland Fuel offers, keeping you warm for less. 20kg Eco-bright by 5 bags for €50. Softwood logs, 3 bags for €10. 1kg Fire logs, 4 for €5. Shop in store or online at homeland.ie. The day is almost here. Some say the most important one of the year. November 19th is the day when Tesco's Christmas home delivery and click and collect slots are open to book. This Christmas, nothing's stopping us, so give yourself a little help this year and book yours at Tesco.ie. Be sure to book early. Slots will be going faster than, well, Santa's sleigh on Christmas Eve, Tesco. Every little helps. My name is Andrew McGowan, I'm a 4040 paramedic. Last year saw an increase in fatalities on our roads. These are needless and preventable deaths. We all share the road. However you use it, please be careful and keep each other safe. Together, let's save lives on our roads. A message from the Road Safety Authority, the Dublin Fire Brigade and on Garda Chicana. Highland Radio weather updates with the National Fuels Pierce Road Letter Kenny for all your solid fuel needs at the keenest prices, 911-37400 or nationalfuels.ie. The weather forecast cloudy with outbreaks of rain and drizzle continuing this afternoon and a clearance to cooler, brighter weather following and extending to all areas. It'll be breezy with moderate to fresh and gusty south-west winds stronger by the coast and tonight's, well, a lot of dry weather with clear spells, but scattering of showers will be cool. Low temperatures five to seven degrees around the Northwest with Ireland West Airport. Ronaldo, De Bruyne, Cavani, you can now see both Manchester teams in action with Ryanair's new twice weekly service to Manchester. Ireland West Airport, you're flying. Well, it's a big day down at Letter Kenny Credit Union because they're giving away two cars in their second car draw off the year and a whole pile of other prizes as well with the Shop LK vouchers and our man down there is Oshin Kelly. Oshin. Yeah, thanks, John. Welcome back again to the Letter Kenny Credit Union where, of course, as you say, we have the two cars to give away today, two fantastic Ford Fiesta ST lines, the red and color. They're really cool looking cars. They've got the alloys and the whole lot and we've got Andrew Higgarty from Higgarty's Ford and the Mountain Top joining us for the draw today supplying the cars for the latest installment of the Letter Kenny Credit Union members car draw. We've also got Letter Kenny's answer to Davy Fitts in the building as well. He's just entered. That's Eugene Orgen, St. Unans Hurley, not like me saying that, he's a St. Unans Hurley manager and he is going to be the man that has the all-important job of getting under that drum and pulling out those two tickets to see who will win those cars. A thousand euro, there's 10 winners of a thousand euro Shop LK vouchers, I better get that correct. We'll give you the details of those in just a second, but before we do that we're joined by Gordon Randall's of Letter Kenny Credit Union. It's always nice to see you, Gordon. Hi, welcome back Oshin. Yeah, delighted to be back. I'm going to color in here and you've got the balloons up and the fantastic atmosphere. All for you. All for you. That is, yeah. But listen, it's always a good occasion to be here at the car draw. Things very busy for you at the moment, Gordon. Yeah, there's always a positive vibe about the car draw. It's great that we're able to have a physical draw at the moment. This time of the year it is quite busy. A lot of people are thinking about us and using us for their various services. We've had a very busy year, an extremely successful year. We've our highest loan book ever. We've earned the highest level of income ever. The other side of that, I suppose the pandemic has brought us problems for people in general. We have, you know, increased our savings probably at a level that from all around the country that credit unions wouldn't normally hold. But look, it's an issue that we have to deal with in the house. But from a service point of view, we're very happy with the direction we're going. As I said before, the board have backed us in terms of the digital age and they're helping us move on on digital platforms. And of course, we have our MyCU current account with a debit card, which has been launched recently. Yeah, so a lot of services, less than every year at this time of the year, we talk about the seasonal loans at this stage. Anybody that's part of the community here knows all about the seasonal loans, which are very, very popular. But as you mentioned, you are now to the credit account game mortgages as well. There's a different landscape now here in the credit union. There's a different landscape for credit unions in general. It's going to be a blended landscape. We're still, I don't think the ethos of the credit unions is going to change. We're still here for small levels of savings. That ultimately was what drove the credit union movement and loans and lending to the community as a whole. So I think the objective for credit unions up and down the country is to expand its lending base and strengthen its income and its income sources. And again, the MyCU current account is the future for us. It'll maintain relevance for credit unions. And obviously, if people have a MyCU current account, it'll make it a lot easier for us to issue small term loans as well. Yeah, if you're watching on our live Facebook stream or indeed in YouTube as well, you see the nice funky t-shirt that Gordon has on him advertising the debit card and the current account. You mentioned the digital age, new app out as well this year. Yeah, the app is on the go now for a good while. And obviously, it's a driving force first. Overnight last night, for instance, we had nine loans online last night. When the lads opened up this morning, there was nine applications online. So that is the future. Drawdown online as well is what we're trying to promote. We still, obviously, with credit unions, we're still very much in the face to face. But obviously, we have to balance that and what we can achieve with the resources we have. And then the new generation don't particularly want to walk into a credit union. We're there for them, the younger generation. They can open their account online, download the app and make an application for membership online. Yeah, finally, two very funky cars sitting out the front. Very nice cars, unfortunately. As of yet, nobody connected to me or even in my circle has even come close to winning. But yeah, very nice, very nice. Pity the color wasn't yellow and black for Eugene today, mind you. Well, I'm sure he would take a red one so he would have the money because they're nice looking cars out there. And we've also got 30,000 worth of shop LK vouchers, which is huge. Massive. And I think Cairn, our chairman, deserves credit for issuing the prizes in the form of shop LK vouchers because obviously that money is going to be spent in Letterkenny, in businesses in Letterkenny, where the members of Letterkenny are employed and maybe earn an income from. So I think that was a great idea to push that money back into the community. Yeah. And there's 80 prizes in total. 80 prizes in total, yeah. 60, 250-year vouchers. There's 10, 500-year vouchers and we'll announce them shortly. What we're going to do now is announce the 10 winners of the 1,000. There's going to be 10 very, very happy people. Now, the credit union will be in contact with you this afternoon. OK, so there's no need to contact the credit union here or Colin. They're going to give you both shortly and confirm your prize. So the 10, 1,000-year-old shop LK vouchers go to Sandra Ellison, Kathleen McDevitt, Anthony Boyle, Allison McMonegal, Angela Hannigan, Helen Vickrey, Arthur Gibson, Ollie Harvey, Dorothy McElhaney and Aiden Gibbons. So well done and congratulations. You're going to get a 1,000-year-old shop LK voucher, which is nice for Christmas, isn't it, Gordon? Certainly is. OK, Gordon, as always, thanks for joining us. Thanks for having us down, rather. And thanks for joining us here on the microphone. And I congratulate Eugene and his team on a massive success for us, Herlin community in Latter-Kinney, especially, but great job this year, Eugene. Well done. Fantastic job, super job. OK, thanks, Gordon. That's Gordon Randall, CEO of Latter-Kinney Credit Union. OK, John, we're going to head back to you in the mountain top, rejoin us again round about quarter past two, where we will, of course, have the big draw live fee. And we're going to give away two Ford Fiestas, ST-line cars this afternoon. Brilliant. Look forward to it. Thanks, Oshin, and well done to those 10 people already named, each winning 1,000 euro in shop LK vouchers.