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Why become a member?

Benefits of Membership

1. Killarney Credit Union is your credit union, owned by you the members and decisions are made by elected members who volunteer on the board of directors.
2. There are no fees or transaction charges in using the services of the credit union.
3. We offer a variety of product discounts for members of the credit union.
4. We offer a range of competitive loan rates.
5. We have 3 branches locally and are open when you need us.
6. You receive a competitive yearly dividend on member's shares.
7. You can pay into your savings or pay off your loan by salary deduction without calling in.
8. We offer Loan Protection and Life Savings Insurance at no direct cost to eligible members
9. Members have full access to their account online through www.killarneycu.ie.
10. By using your credit union BIC/IBAN you can transfer funds directly to your credit union account from your current account.
11. Security of savings through the credit union's fidelity bond, and through the Irish League of Credit Unions' Savings Protection Scheme. Savings are also guaranteed up to €100,000 under the Government Guarantee Scheme.
12. Avail of a range of discounts on insurance products through KCU Affinity Scheme.
13. We provide a fast, efficient, confidential service, which is open 6 days a week in our Beech and Park Road branches.

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Individual/Joint Membership

Individual/Joint Membership Requirements

Under the Criminal Justice (Money Laundering & Counter Terrorist Financing) Act 2010 to open a standard account in a financial institution including Killarney Credit Union you must have up to date records on file such as:

1. Photographic ID:
   1. Current driving license,
   2. Current passport
   3. National photographic ID card
   4. ML10 form from Gardai with picture.
2. Proof of Address:
   1. A letter from Revenue/ Government Dept/ local authority
   2. Bank/ Credit Card Statement
   3. Utility Bill
   4. Household/ motor insurance cert
3. Proof of PPS Number: (Personal Public Service Number) on official document

Membership fee of €0.65 is needed to open the account. €6.35 is required to keep the account activated. 

To open an account, please bring all documentation into the branches and staff will be happy to assist you. 

Joint Membership 

To open a joint account, you need to supply items listed above for both parties. Both parties need to be in attendence to open the account jointly. Withdrawal rights on the account will need to be agreed by both parties. 

Group Membership

Groups, Clubs and Societies are eligible to join Killarney Credit Union and enjoy all the benefits that credit union membership brings.

A lot of clubs and societies open accounts with us. Some use it for fundraising, others use it for the club’s/society’s administration.

How can I open a group/society account?

You will need a properly authorised mandate/resolution seeking an application for membership, and giving details of who is authorised / designated to sign on the account being opened.

There has to be a minimum of 2 signatories on these types of accounts.

• Application form for membership to be completed by the authorised /designated signatories with confirmation of signatures for withdrawals to be completed. Copy of the mandate/resolution to be attached to application form. Details of the authorised signatories positions in the Group/Society and their signatures to be completed.
• ID required for each signatory.
• Photo ID (Passport/Drivers Licence) and proof of address (Bank Statement/Utility Bill/Revenue letter dated in past 3 months) required for each signatory.

All members of Killarney Credit Union must recieve the Regulation 53 of the European Communities (Payment Services) Regulations 2009 when the become a member of the credit union. It outlines details of the credit union acccount and payment services contained therein.

In addition, a Depositer Information Leaflet is to be given to members.

If you wish to open an account, please bring all documentation in to any of our branches. 

Mandate

A completed mandate/resolution must be completed for membership, and giving details of who is authorised / designated to sign on the account being opened. Copies of the mandate are available in branch.

Junior Membership

The habit of saving is best started early. So if you’re under 16 and would like to start saving or you’re a parent/guardian and would like to start for someone, we have a special option for you.

At Killarney Credit Union we actively encourage children to save. We offer a wide range of saving options for children through schools and in Killarney Credit Union.

Grandparents, parents and guardians can lodge funds to Childrens Accounts but only a parent/guardian can withdraw funds.

Child/Minor Account

If you wish to open an account for your child, please bring all documentation into any of the branches. 

New Born Accounts

All new born accounts opened, get a free €20.00 lodged to their account. So no excuse, not to join today! New born accounts are from 0-2 years of age. Account has to be kept open until the age of 7 years or the €20.00 will be withdrawn from the new born account. 

Schools Savings Scheme

We offer a school savings scheme in a number of schools in South Kerry. These include 

1. Cullina N.S
2. Fossa N.S
3. Firies N.S
4. Coolick N.S
5. Kilcummin N.S
6. Anabla N.S
7. Tiernaboul N.S
8. Lissivigeen N.S
9. Gael Scoil Faithleann NS
10. Presentation Monastery NS
11. Loughquittane NS
12. St Olivers NS 
13. Realt na Mara, Tuosist
14. Tullaha NS, Bonane
15. Cahir NS, Kenmare

These schools are visited regularly by CU staff and accounts are opened by staff and money collected. If you are a school and want a school savings scheme, please contact Karena in Killarney Credit Union.

Junior Account Guide

Click the link below to download the Killarney Credit Union Junior Account Guide as a PDF.

Download the Junior Account Guide as a PDF

Our Common Bond

Eligibility Criteria

To be eligible for membership of Killarney Credit Union, you need to be working or living in the following areas

Killarney, Fossa, Kilcummin, Glenflesk, Beaufort (Tough), Kilgarvan, Kenmare, Sneem, Killeentierna, Tuosist, and Firies, Glenbeigh, Cahersiveen, Valentia, Ballinskelligs, Waterville, Caherdaniel.

In addition: A person shall be treated as having the qualification required for admission to membership of the credit union if they are a member of the same household as, and is a member of the family of, another person who is a member of the credit union and who has a direct common bond with those other members.