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Example text: We use Mailchimp to manage our newseletters. By signing up here you will be taken to a confirmation page on the Mailchimp website. There is a link to come back to Killarney Credit Union or you can also manage your subscription preferences.
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Access to this website and the use of information contained on it is governed by the terms and conditions set out below. These terms and conditions are important and are for the protection of both you and Killarney Credit Union Limited. Please take the time to read the terms and conditions carefully. By accessing and using the site you will be deemed to have accepted these terms and conditions. If you do not agree to be bound by these terms and conditions, you may not continue to access and use this website or any of the features hereon.
The Credit Union reserves the right to amend these terms and conditions without notice to you. It is your responsibility, and a fundamental requirement to use this website, to regularly read these terms and conditions carefully and to inform yourself of any amendments.
We are Killarney Credit Union Limited or registered address: Beech Road, Killarney, Co. Kerry. We are regulated by the Central Bank of Ireland. We own and operate this website, and provide some of the services of our Credit Union on and through it.
We provide and make available and you use and access, the website and services on it subject to these Terms, the Privacy Statement, our Cookies Policy and where you register to use our services, our CU Online Terms and Conditions. If you do not agree to these Terms please do not use the website.
By browsing the website, registering for CU Online or accessing or using CU Online or the Online Service, you agree to be bound by these Terms.
If you register for CU Online or access or use CU Online or the Online Service, you agree to also be bound by the CU Online Terms also.
These Terms are separate and supplemental to any other agreement between you and us in relation, for instance, to
(i) any of your Accounts with us;
(ii) any loan taken out by you from us; and
(iii) our CU Online Terms; and
(iv) our Privacy Statement, all of which you are also bound by where applicable. Your access and use of the website is always subject to these Terms.
We reserve the right to vary these Terms at any time. If we do so, the updated terms will be posted on the Terms page when the alteration is made. By using the website after that, you agree to these revised Terms.
None of these Terms will be interpreted so as to deprive you of any rights you may have under mandatory Irish law.
This website and all services on it are provided from Ireland. We do not represent that information or services on it are suitable for use or access from outside of Ireland.
You can use the website for your personal use only.
Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the website or any services on it without notice. We are not liable if for any reason our website or any services on it are unavailable at any time or for any period.
We can restrict access to some parts of our website or services on it, or our entire website, to users who have successfully registered with us for relevant services.
You are responsible for making all arrangements necessary for you to have access to our website.
We may restrict you from linking to our website if we consider that a link is prejudicial to our interests. You may link to the Website home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
While we may take precautions against security breaches, no website or Internet transmission is completely secure, and as such, you acknowledge that neither we nor third parties connected to us shall be liable for damages, costs or losses, that may result from interruption or interception of communications or unauthorized access or hacking. We cannot guarantee the privacy and security of such communications.
The content of the website is provided for information purposes only, is subject to change and will be updated from time to time without notice to you and is not intended to amount to advice on which reliance should be place. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by the visitor to the website or by anyone who may be informed of any of their contents.
Websites may be tampered with by unauthorised persons and, accordingly, you should view the information provided as indicative only and subject to confirmation by us.
We are the owner or the licensee of all intellectual property rights in the website, its content and the Online Services, including the website’s “look and feel” (collectively the “Content”). The Content is protected by copyright laws and other intellectual property laws (including laws related to trade marks, designs, data base rights, sui generis rights and other proprietary rights). All such rights are reserved.
You may not make alterations, copies, extractions, modifications, or additions to the Content, or sell, copy, distribute, disseminate or licence it, or misuse the Content in any way. If you want to re-publish, extract, reproduce, disseminate or otherwise use the Content, you must contact us in advance for written permission except if otherwise expressly provided in these Terms. This is without prejudice to any rights you may have under applicable mandatory law.
If you breach of either of clauses 5.1 or 5.2, your right to use our website, CU Online and the Online Services ceases immediately.
You may link to other websites from this website. The linked websites are not under our control and we are not responsible for the contents or actions of any linked site or any link contained in a linked site, or any changes or updates to such websites.
The inclusion of any link does not imply endorsement by us of any website. Your use of third party websites is subject to the terms and conditions of use and privacy policy contained within each of those websites. We may terminate a link to a third party website at any time.
You may not use the website in any manner that could damage, disable, overburden, or impair it, its server, or the network(s) connected to the server, or interfere with any other party’s use and enjoyment of the website and services on it.
You may not attempt to gain unauthorized access to any services, parts of the website, other accounts, computer systems or networks connected to any server through hacking, password mining or any other means.
You may not obtain or attempt to obtain any materials or information through any means not intentionally made available to you.
Illegal and/or unauthorized use of the website or services on it will be investigated and appropriate legal action will be taken.
We process information about you in accordance with our Privacy Statement which is available on our website. By using our website, you consent to such processing and you confirm that all data provided by you is accurate and up-to-date.
Use of this website is entirely at your own risk and you assume full responsibility and risk of loss resulting from the use of, viewing, access to, relying on or downloading from the website and/or Content.
You agree that we are not liable for loss or damages arising out of your use, or your inability to use this, website or any services through it. This website and Content on it is provided on an “as is” basis and we make no undertaking, representation or warranty:
and we expressly disclaim all such warranties, representations and undertakings.
We are not liable to you for (i) any loss of income, business, revenue or profits; (ii) any loss or corruption of data; (iii) any corruption or damage to equipment; or (iv) any loss or damage which was not foreseeable to both you and us.
The Credit Union hereby disclaims all liability for the content of such websites and for any damages arising from your use or access of such websites. Take notice; you use such links to such websites entirely at your own risk. You are liable to us for any loss, damage or harm suffered or incurred by us as a result of your negligent, deliberate or reckless breach of these Terms.
Please note that the sending of personal information via e-mail over the internet may not be secure and can be intercepted by third parties or incorrectly delivered. You should not divulge personal information over the internet unless you are using a secure or encrypted communications technology.
We are not in breach of these Terms or liable to you if there is any total or partial failure of performance of any of our duties and obligations resulting from any act or matter beyond our reasonable control. This may include where such results from any act of God, fire, act of government or state, war, civil commotion, insurrection, embargo, inability to communicate with third parties for whatever reason, failure of any computer dealing or settlement system, failure of or delay in the transmission of communications, prevention from or hindrance in obtaining any energy or other supplies, labour disputes of whatever nature, late or mistaken payment by an agent or any other reason (whether or not similar in kind to any of the above) beyond our reasonable control.
You must send any formal notice under these Terms to us by sending it in writing to our postal address, namely:
Beech Road, Killarney, Co. Kerry.
If, at any time, any provision of these Terms is or becomes illegal, invalid or unenforceable, that shall not affect or impair the legality, validity or enforceability of the remainder of these Terms (including the remainder of a provision where only part of it is or has become illegal, invalid or unenforceable).
The exercise by us of any of our rights under these Terms is without prejudice to any of our other rights and remedies. The provisions of these Terms may only be waived by either of us in writing by express reference to the provision in question. No delay, neglect or forbearance on the part of either of us in enforcing any provision of these Terms is a waiver, or in any way prejudices any right of under these Terms. A waiver by either of us of any breach of any of the provisions of these Terms does not constitute a general waiver of such provision or of any subsequent act contrary to it.
These Terms are personal to you and may not be transferred or assigned to anyone else.
We may assign, transfer or otherwise dispose of all or any of our rights or obligations under these Terms, in whole or in part, by prior notice to you, provided that in doing so we do not materially prejudice your interests under these Terms.
Subject to clause 2.4, these Terms represents the entire understanding of the parties concerning their subject matter and override and supersede all prior agreements concerning it (whether written, oral or implied) which are hereby revoked by our mutual consent. Neither of us has relied upon, or has any remedies in respect of, any representations, terms or conditions except those set out in these Terms. This does not exclude any liability for fraud and/or fraudulent misrepresentations.
The laws of Ireland apply to the Terms (and any matter or dispute arising out of or in connection with them) and the courts of Ireland have jurisdiction in connection with the Terms and all such matters and disputes.
The masculine gender includes the feminine and neuter and the singular number include the plural and vice versa and words importing persons include firms or companies. The section headings to the provisions are inserted for convenience of reference only and are not a part of, and do not or affect the construction or interpretation of, the Terms.
The “Terms” means the terms and conditions set out in this document, and such other terms and conditions as may be added to or substituted for them from time to time pursuant to these Terms. “You” means the person accessing or using the website. Otherwise, “we” and any capitalised terms which are not defined in these Terms have the meaning given to them in the CU Online Terms.
From Home Improvements and Cars to Business Loans and Weddings, we have the perfect loan for you.
Our new Green Loan offers great rates for energy efficient home and transport initiatives. Read more here!
We are introducing a new service to allow you to send instant payments from your credit union account. This service will be introduced from September 2025 and means payments you send will typically be received within 10 seconds. We are updating the framework contract that applies to your account in line with Regulation 76 of the Payment Services Regulations. This communication gives you 60 days’ notice of this change.
You already receive instant payments. From September 2025, you’ll also be able to send them.
You do not need to take any action if you are happy to accept these changes. If you do not contact us to object before the changes take effect, you will be deemed to have accepted them.
If you do not agree with the changes, you have the right to terminate your framework contract free of charge at any time before the proposed changes come into effect.
You can review the updated SEPA Payments Information and Regulation 76 Information (Framework Contract) by clicking on the download links at the bottom of this page or by emailing us at This email address is being protected from spambots. You need JavaScript enabled to view it..
Thank you for being a valued member of Killarney Credit Union.
Mark Murphy
Chief Executive Officer
Click to view/download the SEPA Payments Document
Click to view/download the Framework Contract
Killarney Credit Union is proud to announce the launch of the 2024 Social Impact Report, showcasing our commitment to making a meaningful difference in the communities they serve.
Social Impact in Credit Unions refers to the positive effects and contributions that Credit Unions make to their members and community. Credit Unions pride themselves on being different and need to highlight and promote what it is, that makes them different. Credit Unions are a member-owned and not-for-profit organisation. They are uniquely positioned to improve their social impact by prioritising the well-being of their members and the communities they serve.
Killarney Credit Unions Social Impact report is available to read online here or alternatively available to download in PDF format at the bottom of this page.
Download the Social Impact Report as a PDF
A Chairde
I hope this message finds you and your families well. As we approach the end of 2024, I would like to take a moment to reflect on a great year for Killarney Credit Union and the milestones we have achieved together. As this is our first in person AGM since 2019, we are very much looking forward to welcoming our members in person.
This year we lent €26.7 million to our members in the local communities of South and East Kerry, which has grown our loan book to €57.1 Million. We are extremely proud of this achievement. Lending is our main source of income and plays a crucial role in maintaining our financial strength and ensuring our sustainability. By offering competitive loans to you our members we not only help you achieve your goals but also generate income that enables us to reinvest in our services and the community. Going forward we ask all our members for your continued support in availing of the excellent products we have available when you may next need to borrow. Don’t forget most of these loans also attract full life assurance cover.
Environmental, Social, and Governance (ESG) principles are becoming increasingly important across the financial sector, especially for credit unions, as it aligns closely with our values of community support, financial inclusion, and sustainable practices. To underpin these principles we ran a Green Home Initiatives Roadshow, in late Spring, showcasing leading companies providing services such as Solar Panels, Home Heating Solutions, Insulation, Windows & Doors and Thermo Homes. In order to support the green economy and encourage everyone to strive for more energy efficient enhancements, we are offering low interest rates on home renovations, retrofitting and transport initiatives. For information on Green Finance Initiatives or to see the list of Green service providers we have collaborated with go to www. killarneycu.ie/gogreen.
We are working to reduce our carbon footprint in all branches by embracing energy efficiency. We are also encouraging digital transactions via our Mobile App and Current Account and providing members with options for paperless statements therefore reducing paper usage and postage costs. We now also have a full end to end loan docu sign service again reducing paper. From a social aspect we have given talks to community groups helping them with financial education and financial literacy. Education is one of our guiding principles. To this end we worked on a fraud awareness campaign in partnership with the Credit Unions of Kerry & West Limerick and An Garda Síochána to highlight the dangers of acting as a money mule. This program was delivered to four secondary schools in our common bond.
Our involvement with the Killarney Coffee Cup Project continues and this year focused on education. We were part of an initiative bringing local 5th class students to the National Park to be educated on our Biosphere, and were involved in a replanting project of acorns back into the Killarney National Park. Each school planted and nurtured acorns resulting in saplings being gifted back to the National park in June for replanting. We also showcased art projects designed by local secondary school students made from coffee cups.
Other events during the year included a Member Appreciation week which resulted in many new current accounts being opened and new members joining across all three branches. We launched our first ever Social Impact Report in April at a community event in our Killarney branch where the majority of sponsorship recipients from the previous year attended.
Minister Neale Richmond, Minister of State with responsibility for Financial Services, Credit Unions and Insurance visited Kerry in July to hold a round table meeting with the Credit Unions of Kerry & West Limerick. The visit, which was proudly hosted by Killarney Credit Union, underscored the government’s commitment to strengthening community-based financial institutions and recognised the critical role credit unions play in fostering economic growth and financial inclusion.
For the 10th consecutive year Credit Unions in Ireland won the Cxi award for Customer Service. Our position at the top remains unchanged because our approach to members remains unchanged - Members are always put first. Credit Unions were also voted Ireland’s MOST SUSTAINABLE ORGANISATION in The RepTrak Sustainable Index 2024 study, carried out by The Reputations Agency.
The photo collage on your AGM invitation displays our fantastic donations of over €50,000 to various local clubs, organisations, community initiatives and schools throughout the year. We take our social responsibilities seriously and we very much value the support we receive in return.
As we look toward the future, we are excited about the opportunities ahead. Our focus remains on delivering excellent member service, expanding financial products tailored to your needs, and continuing to support the economic and social well-being of our members and community.
On behalf of the Board of Directors and the entire Killarney Credit Union team, I want to extend my sincere gratitude for your continued trust and support. Your membership is what drives us to innovate, improve, and grow. We are proud to be your financial partner, and we look forward to serving you in the years to come.
Wishing you a peaceful and Happy Christmas and we look forward to continued service through 2025.
Go raibh maith agaibh go léir
Click here to download a copy of our Winter Newsletter 2024 as a PDF.
Killarney Credit Union Ltd is delighted to announce the release of the 2024 Annual Report, showcasing a year of growth, innovation, and unwavering commitment to our members and community. The report highlights significant achievements over the past year in loan growth, increase in membership, community impact and strong financial performance.
“Our 2024 Annual Report is a reflection of the resilience and dedication of our team, the trust of our members, and our continuous focus on the financial well-being of our community,” said Joy Clifford-Vaughan, Chairperson. “As we look to 2025, we remain committed to growing responsibly and continuing to provide exceptional service.”
The full annual report is available to download here. Physical copies can also be requested at any of our three branches in Killarney, Kenmare & Cahersiveen.
Click here to download a copy of the 2024 Annual Report as a PDF.
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