Killarney Credit Union

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Killarney Credit Union
Coronavirus Information


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The 2020 Art Competition is here!

The Credit Union Art Competition 2020 has landed!

This year’s theme, ‘Imagine More’, is influenced by the creative role art plays in Irish society and encourages participants to unlock their imagination to look at how art inspires us and our communities. Despite the current challenges, art has kept people from all walks of life connected and this year’s theme encourages participants to express this connectivity on paper or canvas.


To enter:

Please click here to download the official entry form.

All entries to be dropped to Killarney, Kenmare or Cahersiveen branches by Friday 23rd October.

Rebuilding Kerry

Rebuild Kerry FB Cover

creditrebuild 2 002

The credit union has partnered with Radio Kerry to support a series of programme giving advise and support to local businesses to help rebuild Kerry post Covid 19.

Link to podcasts here 

Credit Union celebrates 50 years

50th land white


Killarney Credit Union Limited was officially founded on the 25th May 1970. A meeting was held by the board of directors on May 26th and the following officers were elected:

Chairman: Fr O Riordan

Vice Chairman: Maurice Foley

Secretary: Nora O Shea

Treasurer: John Collins

Assistant Treasurer: Breeda Ashe & Michael O Shaughnessy 

Present at the first meeting were Joan McCarthy, Marie O Neill, Breeda Ashe, Nora O Shea, Kitty Costelloe, Mrs Looney, Fr O Riordan, Michael Dowling, Michael O Connor, Denis O Driscoll, Christy Foley, Maurice Foley, Jim O Sullivan, Sean O Grady, John Leahy, Michael Leane, Liam Chute.  We would like to acknowledge the commitment and hard work of the many directors who acted on the board of Killarney Credit Union over the past 50 years.

If you have any memories of the credit union that you would like to share, please send to This email address is being protected from spambots. You need JavaScript enabled to view it. or drop to the Beech Road office. Please ensure your name is included for the the return of material. Please telephone 064-6623730 if you have any queries. 

View the embedded image gallery online at:

Photos supplied by McMonagle 



Full list of supports available to SME's during Covid 19


The Irish Government has unveiled its suite of measures worth up to €6.5bn to help businesses impacted by the Covid-19 crisis to keep running. They came on the heels of the Government’s Roadmap for Reopening Society & Business, which sets out a five-stage plan to ease the Covid-19 restrictions and reopen Ireland’s economy and society. 

The liquidity measures include up to €2bn in State-backed loans for SMEs that range from €10,000 to €1m and will be 80pc guaranteed by the State and offered at below market rates.

Revenue will also “warehouse” VAT and payroll tax debt accrued by companies during the lockdown at zero interest rates and for a period of 12 months.

A €2bn Pandemic Stabilisation Recovery Fund and a new Restart Fund worth €250m to assist small businesses directly through grants were also formed.

They follow a raft of measures revealed in March as Ireland began to lock-down as well as €1bn worth of liquidity measures revealed in April. The latter included two Strategic Banking Corporation of Ireland (SBCI) loan schemes worth €450m to provide an extra €250m for working capital and €200m for longer-term loans as well the creation of a €180m Sustaining Enterprise Fund to be managed by Enterprise Ireland for firms in the manufacturing and international services sectors.

Full list of available supports for Irish SMEs in light of Covid-19

Banks/Credit Unions

For business customers/members the credit union/banks can look at  providing emergency working capital, payment flexibility on loan facilities, the provision of trade finance and foreign currency products, and the prioritisation of loan decisions.

The credit union ave established new processes for dealing with requests from business customers impacted by Covid-19 in order to respond to their needs as quickly as possible. It is prioritising Covid-19 related inquiries over other business as usual activities. This includes streamlining requests for payment breaks so that these can as far as possible be delivered before the next falls due. To find out more about supoprts from the credit union here 

Business Continuity Voucher

The Local Enterprise Office Business Continuity Voucher is designed for businesses across every sector that employ up to 50 people. The voucher is worth up to €2,500 in third party consultancy costs and can be used by companies and sole traders to develop short-term and long-term strategies to respond to the Covid-19 pandemic. This scheme is expiring on 15th May next for anyone who is interested in exploring this option.

Bord Bia Navigating Change programme

Bord Bia’s ‘Navigating Change’ COVID-19 Response programme offers a suite of supports for food, drink and horticulture businesses affected by COVID-19.

€2bn Covid-19 Credit Guarantee Scheme

The €2bn Covid-19 Credit Guarantee Scheme will provide an 80pc guarantee on lending to SMEs until the end of this year, for terms between three months and six years. SMEs will be able to go directly to the banks in the Scheme, and the guarantee can be used for a wide range of lending products between €10,000 and €1m that have a maximum term of six years or less. It will be available to all SME sectors, including primary producers.

Interest rates will be below current market rates.

The Covid-19 Credit Guarantee Scheme is a further development of the existing Credit Guarantee Scheme which is already available from Irish banks, and it will be possible for other lenders to get access to the Scheme. Lenders will be subject to a portfolio cap of 50pc.

Implementing this scheme will require legislation, the drafting of which has been approved by Government. In parallel with the drafting of the legislation and its passage through the Houses of the Oireachtas, the Department of Business, Enterprise and Innovation, the Department of Agriculture, Food and the Marine, the Departments of Finance and Public Expenditure and Reform, and the Strategic Banking Corporation of Ireland will work to put in place arrangements to ensure that the Scheme can be implemented as soon as possible after the enactment of the legislation.

Covid-19 Online Retail Scheme

Applications are now open for the new Enterprise Ireland Covid-19 Online Retail Scheme to support retail companies to enhance their digital capability. The call is open to indigenous retailers employing 10 or more people to develop a more competitive online offer in response to the Covid-19 crisis. Grants ranging from €10,000 to €40,000 will be awarded under the competitive scheme.

Covid-19 Business Financial Planning Grant

The Covid-19 Business Financial Planning Grant, worth up to €5,000, is designed to help companies to develop a robust financial plan, including the preparation of documentation required to support applications for external finance from banks and/or other finance providers. The grant is a new support for Enterprise Ireland clients and those manufacturing or internationally traded services companies that employ 10 or more full time employees.

Commercial Rates Payment Break/Reductions

The Irish Government prioritised support for those businesses most directly affected by Covid-19 with its decision in March to defer rate payments for a three-month period for the hospitality, retail, leisure and childcare sectors. While a review of options to support enterprises and employment is being commenced, the Government recognises that many businesses are facing immediate difficulties and uncertainty. To provide clarity, commercial rates are being waived for a three-month period beginning on 27 March for businesses that have been forced to close due to public health requirements. This measure will complement the tax, banking and SME measures also announced today.

The Government will continue to actively engage with business owners and representative bodies. Local Authorities, who have longstanding experience in dealing with ratepayers and showing an understanding of their financial situations, are assessing the impact of Covid-19 by engaging directly with individual ratepayers, recognising that there may be impacts on sectors outside of those initially identified as being most under threat. It is estimated that this waiver will reduce Local Authority income by €260 million and the Exchequer will meet these costs.

Credit Guarantee Scheme

The Credit Guarantee Scheme will be available to Covid-19 impacted firms through the pillar banks. Loans of up to €1m will be available at terms of up to seven years.

Culture sector

The Department of Culture, Heritage and the Gaeltacht has provided details of the COVID-19 supports for artists and those working in the arts sector.

Enterprise Ireland

A €200m Package for Enterprise Supports including a Rescue and Restructuring Scheme available through Enterprise Ireland for vulnerable but viable firms that need to restructure or transform their business. 

Future Growth Loan Scheme

The Future Growth Loan Scheme through the Government of Ireland and supported by the European Investment Bank, will provide up to €300m of loans with a term of 8-10 years. The loans range from €100,000 (€50,000 for farmers) to a maximum of €3 million, with unsecured loans up to €500,000 per applicant.

Grant supports

The full range of Enterprise Ireland, IDA IrelandLocal Enterprise Office and Údarás na Gaeltachta  grant supports will be available to firms to help with strategies to innovate, diversify markets and supply chains and to improve competitiveness. A Finance in Focus grant of €7,200 will be available to Enterprise Ireland and Údarás na Gaeltachta clients that want to access consultancy support to undertake immediate finance reviews.

Ireland Strategic Investment Fund – Pandemic Stabilisation and Recovery Fund

The Ireland Strategic Investment Fund (ISIF) is revising its investment strategy to establish a sub-portfolio within ISIF called the Pandemic Stabilisation and Recovery Fund. This sub-portfolio will invest up to €2bn of ISIF’s readily available capital in medium and large enterprises (more than €50m in annual revenue or more than 250 employees) to assist them meet the challenge of Covid-19. It will complement ISIF’s extensive work to date within its existing portfolio of over 100 investments of €2.7 billion invested capital to mitigate the impact of Covid-19. 

The fund will act as an accelerator, investing on a commercial basis in businesses that can meet the investment requirements and can use ISIF investment to return to long-term viability.  

Investments can be across the range of instruments from senior debt, hybrid instruments to equity, and can be tailored to take account of the particular circumstances of each investee.  This will enable businesses to access the capital they need in the most appropriate form that best suits their individual circumstances.

Joint First Responder Support Service

The Department of Employment Affairs and Social Protection and the Department of Business, Enterprise and Innovation will provide a joint First Responder support service through the Intreo Offices and development agencies, Enterprise Ireland and IDA Ireland in each region to provide tailored supports for impacted firms, with objective of avoiding mass lay-offs and buying time for firms to work through the short-term disruptions. 

Lean Business Improvement Voucher

The Lean Business Continuity Voucher is available to eligible companies to access up to €2,500 in training or advisory services support related to the continued operation of their businesses during the current pandemic. It is open to small, medium or large client companies of Enterprise Ireland or Údarás na Gaeltachta (including High Potential Start-ups). The voucher may be used to obtain services from approved providers. 

Local Enterprise Offices

Local Enterprise Offices in every county will be providing vouchers from €2,500 up to €10,000 (with 50:50 match funding) to support business continuity preparedness, innovation and productivity.

Microfinance Ireland

The maximum loan available from MicroFinance Ireland will be increased from €25,000 to €50,000 as an immediate measure to specifically deal with exceptional circumstances that micro-enterprises (sole traders and firms with up to nine employees) are facing. Applications can be made through the MFI website or through your local LEO.

Restart Fund for micro and small businesses

The purpose of this €250m fund will be to assist these businesses in reconnecting with the market, their employees and their customers. Details of the scheme will be worked on by the Department of Public Expenditure and Reform in consultation with the Departments of Business, Enterprise and Innovation and Housing, Planning and Local Government and finalised in the coming weeks but it is intended that the fund will operate through a system of rebates/waivers of commercial rates payments from 2019. It is intended that companies will receive a total amount equivalent to no more than their 2019 rates bill and that there will be a cap per business of €10,000. This fund can act as a further targeted support to small and micro enterprises that have been impacted by Covid-19.

Revenue Commissioners

Ireland’s Revenue Commissioner has outlined actions to assist SME businesses who will be experiencing cashflow and trading problems because of the Covid-19/Coronavirus pandemic.


For SMEs:

Tax Returns: Businesses experiencing temporary cash flow difficulties should continue to send in tax returns on time.

Application of Interest: The application of interest on late payments is suspended for January/February VAT and both February and March PAYE (Employers) liabilities.

Debt Enforcement: All debt enforcement activity is suspended until further notice.

Tax Clearance: Current tax clearance status will remain in place for all businesses over the coming months.

Revenue Warehousing of tax forbearance

The Revenue tax deferrals have been a vital liquidity support that is easily accessed by those businesses severely impacted by Covid-19.  This allowed these businesses to retain cash, which proved to be a key liquidity support and also gave an assurance that the State will support these businesses through the pandemic.  It is important that companies availing of this forbearance must continue to file tax returns and keep in contact with Revenue, which ensures tax compliance and assistance is targeted at those most in need. 

Arrangements will be put in place to allow debt that cannot be paid during the Covid-19 related period, to be warehoused interest-free for a year from recommencement of trading, during which time there will be no debt enforcement action taken by Revenue in respect of the debt. Moreover, there will be no interest charge accruing in respect of the warehoused debt (no capital or interest payments).  Prior to the expiry of the warehousing period, the business will be expected to engage with Revenue to reach an agreement on an exit strategy more suited to the specific business needs and the need for continued viability.

Businesses will qualify for a significantly reduced rate of interest of 3pc on outstanding debts on agreement of such arrangements, to be set out in legislation. For continued qualification by businesses for these arrangements, it will be a prerequisite that the businesses remain compliant with all their return filing and tax payment obligations in respect of tax periods that postdate the periods covered by the warehoused debt. The operational details are being finalised and the necessary legislative amendments will be brought forward in Finance Bill 2020.

For subcontractors:

RCT (Relevant Contract Tax): The RCT rate review scheduled to take place in March 2020 is suspended. This process assesses the current compliance position of each subcontractor in the eRCT system and determines their correct RCT deduction rate, i.e. 0pc, 20pc or 35pc. As this process may result in a subcontractor’s RCT rate increasing due to changes in their compliance position, the review is suspended.

Subcontractors and agents are reminded that RCT rate reviews can be self-managed in ROS. Subcontractors can check if their rate should be lower and can then ‘self-review’ to get that lower deduction rate.

For importers:

Customs: Critical pharmaceutical products and medicines will be given a Customs ‘green routing’ to facilitate uninterrupted importation and supply.

Revenue said that businesses, other than SMEs, who are experiencing temporary cash flow or trading difficulties should contact the Collector-General’s office on (01) 7383663. Alternatively, these businesses can engage directly with their branch contacts in Revenue’s Large Corporates Division or Medium Enterprises Division.  

SBCI Working Capital Scheme

A €200m Strategic Banking Corporation of Ireland (SBCI) Working Capital Scheme for eligible businesses impacted by COVID-19. Loans ranging from €25,000 of up to €1.5m will be available at reduced rates, with up to the first €500,000 unsecured. Applications can be made through the SBCI website. The SBCI Covid-19 Working Capital Loan can help businesses avoid layoffs and offset other costs that keep business afloat. This loan can be used for future working capital or to support necessary business changes as a result of COVID-19. The scheme is open until March 2021 or until it is maxed out.

SME Credit Guarantee Scheme

The SME Credit Guarantee Scheme supports loans of between €10,000 and €1m with terms up to seven years provided by commercial banks, backed by a partial Government guarantee of 80pc. With the SME Credit Guarantee Scheme, SMEs won’t be required to provide collateral or risk mitigating their credit when attempting to receive support.

Sustaining Enterprise Fund

The new Sustaining Enterprise Fund of up to €180m is specifically aimed at firms with 10 or more employees impacted by Covid-19 that are vulnerable but viable. The fund is operated by Enterprise Ireland, providing repayable advances of up to €800,000 as agreed with the EU under new State Aid rules.

This fund will provide a €25,000 to €50,000 short term funding injection to eligible smaller companies to support business continuity and to strengthen their ability to return to growth. Eligible companies will have suffered, or be projected to suffer, a 15pc or more reduction in actual or projected turnover or profit as a result of the Covid-19 outbreak.

Short Term Work Support

Firms that need to reduce hours or days worked can avail of the Department of Employment Affairs and Social Protection Short Term Work Support by contacting their local Intreo Office, see

Strategic Consultancy Grant

The Strategic Consultancy Grant is meant to help offset the expense of hiring strategic business consultants who help SMEs sustain business growth. This grant will cover up to 50pc of the costs associated with hiring a consultant to a maximum grant amount of €35,000.

Trading Online Voucher

The Local Enterprise Office Trading Online Voucher is a government grant scheme, designed to assist small businesses with up to 10 employees. It offers financial assistance of up to €2,500 along with training and advice to help your business trade online. Businesses that have already received a Trading Online Voucher can now apply for a second voucher, where upgrades are required.

Training and Mentoring

Enterprise Ireland’s eiLearn is an online learning resource where you can access over 400 pieces of customised content designed for Irish SMEs. The Local Enterprise Offices have moved training programmes, workshops and networking meet-ups online, covering areas such as cash management in a crisis, leading your business through COVID-19 and advice for employers impacted by the crisis. To find out more telephone or email your Local Enterprise Office

Tourism sector

In response to the COVID-19 crisis and the impact on the tourism sector, the Fáilte Ireland Covid-19 Business Support Hub is targeting its supports to respond to the most urgent challenges and threats tourism businesses are now facing.

Source: MK Brazil Accountants 

Credit Union earns top spot again this year

Reptrak 2020 Little Things FB Cover


Credit unions once again ranked as Ireland’s most trusted organisations
• Credit unions regain top spot in RepTrak® 2020 study

Killarney Credit Union, along with its sister credit unions throughout the country have been named the most highly reputable organisation in Ireland according to the latest Ireland RepTrak® 2020 study carried out by The Reputations Agency. With a score of 83.7, credit unions took the top spot overall for their role as a trusted cornerstone of local communities with over 3.6 million members nationwide. This represents a return to the top spot for credit unions who finished second in last year’s poll having come first in 2018.
The Ireland RepTrak® 2020 study, undertaken by the Reputations Agency for the 11th consecutive year, delves into the perceptions of over 7,000 members of the public collected during January and February 2020 and measures the level of trust, respect, admiration and esteem they have for 100 organisations in Ireland. The study highlighted that, for the Irish population, community-based organisations pave the way for trust and leadership. Credit Unions scored consistently well in six of the seven reputational drivers, leading the way in Governance.
Speaking about the achievement, Mark Murphy, of Killarney Credit Union said, “We are proud to be part of a movement that is regarded so highly across the country. Our dedicated staff and volunteers genuinely care about what our members want, and this is why we have consistently tailored our services and products to our members’ specific needs. We are delighted to celebrate this good news and we would like to say a heartfelt thanks to all our valued members for their continued loyalty and support.”
For over 60 years, credit unions have been at the heart of Irish communities, paving the way for financial inclusion and stability and enabling progression in many households. Credit unions also support local community initiatives and charities, because we understand that it’s the little things that make the difference.
“We have forged a strong bond with our members and indeed the wider community of South Kerry. This is not just because of our commitment to the provision of member-driven, not-for-profit savings and loan services, but also due to our programme of sponsorship and donations to local sporting clubs, youth initiatives and charities” continued Mark.
“We always stand ready and willing to support and assist those living and working in our community. I would encourage anyone in the community who feels they could benefit from affordable and straightforward credit, or any of the many services we offer, to drop in for a chat and find out how we can be of help. You’ll soon find out why credit unions are the most trusted brand in Ireland”

IT Upgrades


Frontline Shout Outs



If you’d like to share a message of support on Radio Kerry Frontline Shoutouts to someone working on the frontline, WhatsApp it to 083 300 3 300, email This email address is being protected from spambots. You need JavaScript enabled to view it. or call 066 7123666.

The family of a hospital porter who risks his life everyday say he is their hero, Aldi workers uplift customers with smiles on their faces, an unwavering humour. These are just some of the acknowledgements from the ‘Frontline Shout-Outs’ show on Radio Kerry – a new slot which shares poignant messages to the those at the frontline of the pandemic.

The show, broadcast 9am and 3pm daily, is supported by a group of Kerry & West Limerick Credit Unions who recognised its importance in supporting and uplifting the community – a value also shared by credit unions nationwide.

Chair of the Marketing Committee for Chapter 23 ( Kerry and West-Limerick Group of Credit Unions), Helen Courtney-Power said: ‘As credit unions are embedded within in the community, and an essential service working on the frontline to remain open for members, we knew it was the right fit, to back the show.'

'Right now, our message to the public has been ‘We’re Here to Help’ – just as other front-line workers across healthcare and retail and other industries, are helping everyday. This show embraces and supports their work, and really aligns with what credit unions are doing.’

So far, Front-line Shout-Outs has had a large wave of respondents wanting to broadcast messages of gratitude to loved ones or workers within their locality. Chapter 23 Credit Union comprises of Cara Credit Union, Killarney Credit Union, Clanmaurice Credit Union, Rathmore & District Credit Union, Listowel Credit Union, Abbeyfeale Credit Union, and Comhar Chreidmheasa Chorca Dhuibhne Teoranta / Dingle Credit Union who are supporting the show for the next few weeks.


Fraud Awareness

fraud twitter

Be informed | Be alert | Be secure

Read our useful guide here on fraud awareness 

A helping hand for Current Account members

Killarney Credit Union and Cara Credit Union lend a helping hand to their Current Account members.

Last October, Killarney Credit Union and Cara Credit Union launched a much sought after Current Account with a globally accepted Mastercard Debit Card with Contactless Payments. Both credit unions have reported great interest in this current account which is no surprise given that credit unions offer something different to other financial institutions in terms of personal service having been voted number 1 for customer service, 5 years in a row.

The Current Account comes with simple and transparent fees and charges. However, in light of the global COVID-19 emergency, both Killarney Credit Union and Cara Credit Union are not charging their members the quarter one fees from January to March this year. The fees are due to be deducted from members accounts on 28th April to cover the period from January 1st 2020 to March 31st 2020, but both credit unions have agreed to refund their members immediately.

Speaking to Mark Murphy CEO of Killarney Credit Union “ This is not a decision that both ourselves and Cara Credit Union have taken lightly. However, we are acutely aware of the challenges faced by our members in these very uncertain times. Helping and supporting members is at the very core of everything we do within the credit union movement and this is why we made the decision to refund our members the quarter one fees on 28th April.

While this is a very welcome gesture by the two credit unions, it is not the only one. Both Killarney Credit Union and Cara Credit Union have put a number of measures in place to help their members at this time, including helplines if members are experiencing financial difficulty.

Pa Laide, CEO of Cara Credit Union said “Not only are we refunding the current account fees for the first quarter but we would also like to let all members know if you are experiencing financial difficulty we urge you to contact your local credit union preferably by phone or online, to discuss possible flexible arrangements regarding your loans over the coming months. We can assure members that they will be treated fairly and with empathy. We hope that by offering as much support as we can to our members we trust they will continue to support their local credit union when our lives and economy returns to normal”.

As an essential service, Credit Unions are open for business. Please check their websites or social media for updated opening times. If you would like more information on the Current Account from Killarney Credit Union in Killarney, Kenmare and Cahersiveen and Cara Credit Union in Tralee, Castleisland and Killorglin go to their websites and

Easter Opening Hours 2019

Here you can find the opening hours for Killarney Credit Union during Easter 2020. Please feel free to contact us directly if you have any questions or if we can be of assistance.



Beech Road



Monday 6th

10.00 - 4.00

10.00 - 4.00

10.30 - 2.30

Tuesday 7th

10.00 - 4.00 10.00 - 4.00 10.30 - 2.30

Wednesday 8th

10.00 - 4.00 10.00 - 4.00


Thursday 9th

10.00 - 4.00 10.00 - 4.00 10.30 - 2.30

Friday 10th




Saturday 11th





Monday 13th




Tuesday 14th

10.00 - 4.00 10.00 - 4.00 10.30 - 2.30

Wednesday 15th

10.00 - 4.00 10.00 - 4.00


Thursday 16th

10.00 - 4.00 10.00 - 4.00


Friday 17th

10.00 - 4.00 10.00 - 4.00 10.30 - 2.30

Saturday 18th






COVID-19 Member Notice: New Opening Hours

Based on HSE guidelines, and due to the increased risks of contagion brought by the Coronavirus, Killarney Credit Union is making a number of changes to the opening hours in each of our branches.


As and from the 1 st of April 2020

  • Beech Road Office will be opened from 10.00a.m – 4.00p.m. Monday to Friday and will be closed on Saturdays.
  • Kenmare Office will be opened Monday, Tuesday, Thursday, Friday 10.30a.m.- 3.30p.m. (Closed Wednesdays) Effective 25th May 2020. 
  • Caherciveen Office will be opened from 10.00a.m – 4.00p.m. Monday to Friday and will be closed on Saturdays.
  • Park Road Office Killarney will be closed from 31 st March 2020 until further notice.


  Beech Road  Cahersiveen 


Monday 10.00am - 4.00pm 10.00am - 4.00pm 10.30am - 3.30pm
Tuesday 10.00am - 4.00pm 10.00am - 4.00pm 10.30am - 3.30pm
Wednesday 10.00am - 4.00pm 10.00am - 4.00pm CLOSED
Thursday 10.00am - 4.00pm 10.00am - 4.00pm 10.30-3.30pm
Friday 10.00am - 4.00pm 10.00am - 4.00pm 10.30am - 2.30pm


Please be advised staff WILL be available on the phone to deal with ALL member queries or process card payments. Online facilities are fully operational and members have the added convenience of our current account. If you do not yet have online access or a current account please click here.

Killarney Credit Union at all times holds the highest regard for the safety and welfare of our members and staff and we would like to sincerely apologise for any inconvenience these changes in opening hours may cause our members.


Important Notice - Park Road Sub Office Temporary Closure

In light of the evolving situation with the Coronavirus (COVID-19), the Park Road office of Killarney Credit Union will be temporarily closed effective from 4pm on Tuesday 31st March 2020. This decision has been taken in order to limit the potential impact which this virus may have in the local community and ensure that we can continue to provide a vital service to our members across our Branch network.

The staff of the credit union are available to deal with member queries via phone (064 6631344) and email (This email address is being protected from spambots. You need JavaScript enabled to view it.). Members can continue to access their accounts in the Beech Road office in Killarney or the offices in Kenmare or Cahersiveen. Members are reminded that they may continue to access their accounts via the credit union’s website or App. In addition, all members should consider opening a Current Account which offers a full service current account and a contactless debit card for use at all retail outlets, ATM’s and online purchases.


With the Coronavirus (COVID-19) now in the Republic of Ireland, we are aware that some members may wish to avoid coming into our branches to carry out transactions. Therefore we would like to remind our members that most credit union services are available either online or by contacting us by telephone.

If you are visiting one of our branches, to help prevent the spread of the Coronavirus (COVID-19) virus, please use the hand sanitiser which is supplied in all branches before approaching the counter.


What would you like to do?


Contact us via telephone

I want to carry out a transaction by speaking to someone via telephone.

Please contact us directly on 064 6631344.

Access online banking

I want to carry out a transaction online and I am registered for online banking.

Please click here to log into the online banking section.

Register for online banking

I want to carry out a transaction online, but I am not yet registered for online banking.

Please click here to register for online banking.


Coronavirus (COVID-19) Information



Credit Card Research

Over half of Irish credit card holders (58%) don’t know what interest rate they are paying.

67365 Credit Cards and Interest Infographic 2020 v2 1

A national survey issued by the Irish League of Credit Unions (ILCU), looked at credit card usage spending habits. Since a similar survey was published last year, there has been no improvement in public awareness of interest rates or spending habits. Over half the Irish population (58%) own a credit card with the majority spending it on adhoc items. Despite this, many are still confused about the rate of interest they are paying.

Of those who said they were aware of the rate they pay, over half believe they are paying less than 10%. In reality credit card interest typically ranges from between 13% to 23% in the Irish market.*

Over two thirds of the population (72%)  believe credit card companies in Ireland don’t do enough to explain how these rates work while 70% say Irish consumers are too reliant on this method of lending.

Helen Courtney Power, Business Development, Killarney Credit Union said

“We understand there is still confusion for many people around credit card interest and how that interest is applied. The lack of improvement of public awareness on the issue since last year does concern us. As always, we are open to support members on any queries they might have around managing debt. Our aim in the credit union is to guide and support - and always discover the best possible solution for our members.”
Helen continued  “Although we would advocate that people struggling with their finances don’t borrow large amounts if they can help it, we would advise they talk to us about a loan which could help their situation. There is a significant majority of people who say there isn’t enough being done by credit card companies to explain rates – so there’s been no improvement since last year. When it comes to borrowing at the credit union, we provide straightforward and clear information on our loans, which are significantly lower than the lowest credit card interest rate, and which have no hidden fees and charges.”
In addition, Killarney Credit Union also offers a debt consolidation loan. The product aims to help members refinance high interest debts – and combine all of their debt into a single, straightforward payment at a fair and reasonable rate.* A restructured payment like this can ease the pressure and make it easier for people to get on top of their debt and manage it in a way that suits their everyday lives.
Helen  continued “As we make decisions locally, we are happy to take the time to get to know the individual circumstances of all of our members, and so we can work with each individual borrower to structure loan repayments in a way that works best for them. To talk more about what loan best might suit their situation, speak with us here at XX Credit Union.”

**Competition and Consumer Protection Commission
** For a €2,000, 2 year variable interest rate loan with 24 monthly repayments of €90.64, an interest Rate of 8%, a representative APR of 8.2%, the total amount payable by the member is €2,179. Information correct as at 10/2/20

New Opening Hours

Why are the hours changing?

Opening and Closing hours are changing in all 4 Killarney Credit Union branches.

  1. Footfall Analysis: Based on a thorough analysis of member footfall and transactions in each branch over the past 12 months. This has identified transactional trends in each branch which has helped in planning and developing an appropriate operational hours to suit the changing needs of the credit union.
  2. Increased Administration: In addition, due to increased reporting and documentation required from the Central Bank of Ireland. Staff are required to undertake further back office functions during hours that where offices are closed to members.
  3. Changing Member Needs: Due to increased automation of functions such as the loans being repaid by direct debit, online banking and mobile app for transactions and the introduction of current accounts has meant that counter transactions have decreased.
  4. Staff Meetings/Training: With a larger workforce across 4 branches, there is a necessity to meet more regularly and organise training during office hours, as such we are not open to the public at these times. 

CU Small Calendar 2020 NEW page 002

New Hours


Schools Quiz Winners 2020

OMI21687 CU Schools Quiz 2019 Twitter Cover v1

The INEC was filled to capacity on Sunday 2rd February where 74 primary school teams from all over South Kerry competed in the annual Killarney Credit Union School Quiz.

St Johns National Schools, Kenmare emerged victorious in the Under 11 category and Gaelscoil Faitleann, Killarney came first in the 11-13 age category, their third year in a row to win the coveted title.

This year, nearly 300 primary school pupils represented in the quiz from schools all over South Kerry. Killarney Credit Union has been hosting the school quiz for over 20 years.

In the Under 11 category, first place went to St Johns National School represented by Tiarnan O Shea, Laura Stauch, Orla O Reilly, Billy Lynch. Second place went to Gaelscoil Faithleann with team members of Amelia Ní Chearbhaill Cheallaigh, Aodhagán O Sulleabháin, Leo Mac Aílín and Siún Ní Mhuiríosa. Third place was awarded to Fossa National School with team members were Ben Kavanagh, Cathal O Halloran, Jack Sheehan and Donncha Kissane O Sullivan. A fourth place went to St Olivers National School represented by Mark Looney, Anna Kate Neeson, Maria Clayton, Jack Culloty.
In the U13 section first place went to Gaelscoil Faithleann represented by Dara Ní Chárthaigh, Muireann Ní Dhonnchú, Senan Mac Coitir, and Lily Ní Churnáin. Second place went to St Olivers National School represented by Colm O Brien, Mark O Shea, Kevin Looney, Conor Regan. The third place position went to Cahir National Schoolm Kenmare with team members Cathal McSwiney, Gaspar Laudran O Connor, Connie Guerin, Yvonne Daly. A fourth place position went to Scoil Bhríde Loreto with team members Laura Healy, Paddy Moore, David Courtney and Fionn McCarthy.
Each participating schools received a gift from Killarney Credit Union and Karena McCarthy, Marketing Officer, Killarney Credit Union stated “We would like thank all those that participated in the quiz this year, for parents, pupils and teachers who attended on the day. Due to the extended number of teams competing this year, we gave a 4th place position to schools. We would also like to acknowledge the staff, management and volunteers who helped out on the day also in correcting, stewarding and adjudication. I would also like to acknowledge the long distances that many schools had to travel on the day and thank them for participating in the quiz she concluded.

Each of the winners received trophies and a perpetual cup will be given to the first placed winning national schools.

The first and second placed winning teams in each category will go on to represent their school at Chapter 23 Kerry and West Limerick Regional Quiz on Sunday 1st March 2020 in Ballyroe House Hotel at 2pm.

 U11 2

Under 11 Winners

U13 1

Under 13 winners 

View the embedded image gallery online at:

Kerry Community Awards

Kerry Community Awards

Invitation to Voluntary Community Groups to submit Entries for the 2020 Awards

The objective of the Kerry Community Awards is to recognise the work of the community and voluntary sector that seeks to improve the Social, Economic, Cultural and Environmental quality of life in our local communities, both urban and rural.

Application to the Kerry Community Awards is in recognition of good practice models of community projects already implemented.

The annual recognition awards ceremony will be held in the Dromhall Hotel, Killarney, on Thursday 7th May, 2020.

Kerry Community Awards are open to all community and voluntary groups based in the county, regardless of size or location.

Winners recieve a monetary prize and trophy. 

Application Guidelines

Application Form

Kerry Community Awards is supported by Chapter 23 Kerry and West Limerick Credit Unions. 

AGM 2019



Killarney Credit Union Ltd is reporting a strong financial year ahead of its 2019 AGM with over €140 million in assets. The credit union has grown its membership by 1,319 in the past 12 months. Savings have also increased to €121.5m, while the credit union has provided €1.3 in loans each month to the local community. Killarney Credit Union has €45m available to lend in 2020.
The credit union has been very active during 2019 with the launch of new agri loan product in March, a €10m collaboration with 16 other credit unions in Ireland with local fintech company Fexco. In October, it launched its current account service for members which is proving very popular with members.
While Killarney Credit Union has enjoyed a strong financial year it is faced with a challenging economic environment, especially with increased levies, low investment returns and decreased borrowing. It is important that the credit union continues to make responsible and prudent decisions to further strengthen the credit union. As a result, Killarney Credit Union will not be paying a dividend to its members this year.
Commenting on this, Mark Murphy, CEO from Killarney Credit Union said: “Having enjoyed a strong year in 2019, we are now very much focused on the future. We are working hard to ensure that we will further roll out of enhanced services for our members and meet the demand for different services and products. We see great opportunities for the credit union to grow and strengthen for our members in the coming year and this will be our priority. While we have a membership of 34,000, only 20% of our members actually borrow from us. In the past year, we have seen our loan book fall by 1.15%, as such lending is a core aspect of the business and we would encourage everyone to consider the credit union for their lending needs”.
Mark continued “We know our members value the continued face-to-face personal service we provide. Indeed, Killarney Credit Union joined with other credit unions in Ireland in winning the CXi award for customer experience for the fifth consecutive year. Irish credit unions are the only organisations in the world to achieve this. We can assure our members that we will continue to be a reliable source of lending and savings. We also want to take this opportunity to thank all of our members for their loyalty over the past years. Working together with our members we will remain a cornerstone of the local community, and weather the current challenges we face in relation to increased levy payments.
Killarney Credit Union will hold its 2019 AGM on Wednesday 11th December in The Mangerton Suite Gleneagle Hotel, Killarney at 7.30pm. All members are invited to attend and the credit union looks forward to welcoming them on the evening.

Annual Report 2019

View the embedded image gallery online at:


Beware of the loan shark

Loan Shark Poster CU

Say No to Illegal Moneylenders - where the lending has no ending

“Say No to Illegal Moneylenders” is the message from Kerry MABS, Kerry and West Limerick Credit Unions, Society of Saint Vincent de Paul and the Gardaí who have come together to highlight the fact that illegal money lending has no ending."

John O Regan, PRO, Chapter 23 Kerry and West Limerick Credit Unions stated "the lead up to Christmas can be a challenging time for a lot of vulnerable people who may be caught up in a cycle of moneylenders. Loan rates can be very high and people can be caught in a vicious cycle of repeat borrowers without ever getting out of debt. Although we are all independent organisations, we have come together to advise people to avoid borrowing from illegal moneylenders in the lead up to Christmas”.

Support organisation MABS are on hand to help and offer free financial advice. The credit union can assist with a much lower rate of interest and flexible repayment terms. The Society of Saint Vincent de Paul can also help to put practical measures in place and offer services such as meals on wheels, food hampers, fuel poverty, education etc.

Speaking to Eamonn Foley, Kerry MABS “Illegal moneylenders and are not to be confused with legal moneylenders. While legal moneylenders charge very high interest rates they are regulated by the Central Bank of Ireland where legal credit agreements are in place and set code of practice under the Consumer Protection Code for Licensed Moneylenders must be adhered to.

Eamonn added “Illegal Moneylenders are different they are people who use their own money to lend to people. What may or may not start off as a gentleman's agreement can end up turning very nasty. Illegal moneylenders are not legal, there are no legal credit agreements in place. In a lot of cases we have heard there may be intimidation, threatening behaviour and harassment. The Gardaí are involved in this campaign to highlight the level of illegal moneylenders activity in Kerry. We would ask people to think twice before getting involved with illegal moneylender activity, if you do go down this route and need support then we would encourage you to contact the gardai confidentiality who will investigate this matter.”

For a list of support organisations:
MABS: 076-1072190 –
Garda Siochana – Contact your local garda station
St Vincent de Paul – 066-7128021
Credit Union – 064-6631344

 For details of our Micro Finance (Personal Micro Credit Loan) here

Christmas in Kenmare

xmas in Kenmare

Fantastic array of events and activities taking place in Kenmare over the festive season. 

Christmas in Kenmare

Killarney Credit Union Junior Members


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