Killarney Credit Union

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Save with a financial partner you can trust


064 KillarneyCU6631344



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064 KillarneyCU6631344



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Become a Member
Contact Us
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Killarney Credit Union
Coronavirus Information


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Why save?

We all know the merits of saving money, either for something specific or for that “rainy day”. But saving money with Killarney Credit Union means you also become a member of a highly successful co-operative. You are not just another customer you are a member.

Each and every €1 you save is equivalent to 1 share in the credit union. If you begin to save regularly it won’t be long before you build up a healthy balance.

Some of the many benefits of saving with Killarney Credit Union:

  • Easy access to your money once it is not used as security against a loan
  • No hidden charges or fees on any transactions
  • You can save easily using your credit union BIC/IBAN account details
  • Life savings insurance for eligible members
  • Nomination of account proceeds 
  • eStamp Account
  • When you save with us you are also building a history which will be taken into account in the future should you wish to apply for a loan.

The money you save with us is used by the credit union to fund the loans it makes to members. By saving with us you are indirectly helping your neighbours and the community to develop.

Saving Accounts

Individual Accounts:

Members can open an individual account when they join the credit union. They can also open an Eservices account where they can transfer funds electronically via BIC/IBAN in to their account.

Joint Accounts:

Two people can open an account together and can be joint signatories on the account

Group Accounts:

These accounts can be operated by clubs, associations, sporting organisations to lodge funds or apply for loans.

Specific Accounts:

Families, work colleagues, sports and social clubs open accounts such as these to save for specific purposes such as trips away, Christmas etc. These accounts are operated by representatives of the group.

Junior Accounts:

Minors up to the age of 16 years of age can open a Junior Account. 

New Born Accounts:

This new incentive from Killarney Credit Union offers you the opportunity to open a New Born account for a child between 0 and 2 years and we will credit the account with €20. Terms and conditions apply.

eStamp Accounts

You can use your estamp account save small amounts regularly. You can set up a standing order for regular savings into your account. 


Savings FAQ

Here are some of the frequently asked questions about savings here at Killarney Credit Union. 

Question: Are my savings secure?

Killarney Credit Union offers treble the protection on your savings.

  • Irish Government Protection Scheme up to €100,000 per account
  • Irish League of Credit Unions Savings Protection Scheme
  • Killarney Credit Union’s own strong Reserve Fund.

Credit Unions in the Republic of Ireland are covered by the Deposit Protection Scheme which is administered by the Central Bank of Ireland. This is a scheme that can provide compensation to depositors if a credit institution is forced to go out of business. It covers deposits held with Banks, Building Societies, and Credit Unions. Please see the Central Bank of Ireland’s website for further information.

In addition to this, the Savings Protection Scheme (SPS) owned and operated by the Irish League of Credit Unions is also available to proactively intervene to protect members’ savings by making available financial assistance to help any Credit Union which may experience difficulties.

Also, members’ savings are insured through Life Savings Insurance (subject to certain terms and conditions).

Question: What is the withdrawal policy of Killarney Credit Union Ltd.? 

  • Shares and Deposits can be withdrawn on demand provided they are not held as security against a loan.
  • Shares and Deposit withdrawals can be made during office hours.
  • Please bring photo identification when making a withdrawal.
  • There may be limits of withdrawal amounts, if you wish to make a large cash withdrawal, please let us know in advance, so to have the adequate cash ready for collection. 

Question: What is the common fund?

As the amount of shares builds up, the common fund of money grows. This is then available for providing loans to members. All members are encouraged to save regularly, even when repaying a loan. This gives the member several direct benefits, and ensures that there are funds for the credit union for use by all members.

Question: Can I transfer my Credit Union account to Killarney Credit Union?

Provided that you meet the membership criteria of living or working within the common bond area of Killarney Credit Union Ltd you can transfer your savings and keep your savings history. You can also transfer your loan – subject to approval by the Credit Committee and continue to pay the loan balance at Killarney Credit Union Ltd.

common bond

Question: Can I withdraw my savings at any time?

Your shares are withdrawable on demand, provided that they are not pledged against a loan. Members are encouraged to keep their savings intact thus ensuring that:

  • the Member can maintain credit worthiness and capacity to borrow
  • they continue to earn a dividend
  • by leaving a balance of €250.00, you benefit from Life Savings Insurance protection


Question: How do I get a statement of my account?

You can request your statement by a personal visit to the office. You have full access to your account by registering for online banking and you can print off estatements as you wish. To register here

Question: What is the savings cap?

Effective since 01.12.2020, members cannot lodge funds above €20,000 in individual accounts held in the credit union.   

Question: How do I change my name on my account?

Your name can easily be changed on your account. Just call into the office in person with evidence of your name change e.g. a marriage certificate. Staff will copy the certificate and then complete a change of name

NOTE – Members updating names may also wish to update their form of nomination to take account of their change in circumstances.

Question: How do I change my address on my account?

Your address can easily be changed on your account. Just submit evidence of the change, e.g. a current (within the last 3 months) utility bill or bank statement Staff will copy your documents and then complete a change of address.

Question: How do I close my account?

You may close your account at any time providing there is no loan outstanding on your account. Your photo ID must be presented and any remaining funds withdrawn.

Question: What will happen to my account in the event of my death?

Killarney Credit Union Ltd members complete a form of nomination whereby they can chose where their money will go in the event of their death.

A nomination is a written instruction to the Credit Union as to how to dispose of the contents of a Credit Union account, including insurance benefits, up to a maximum of €23,000, when the holder of the account dies. Any surplus above this figure is passed on to the Members’ estate. It is a legally binding document and is effective regardless of whether a will exists or not. A nomination may be revoked or altered by a subsequent nomination. Marriage invalidates an existing nomination.

Making a nomination is simple: - Visit the office and our staff will guide you through the process easily and without fuss. Once completed and duly witnessed, the Form of Nomination must be lodged in the Credit Union Office. Please Note The nominee or beneficiary is not allowed to witness the nomination. Before the property is transferred to the nominee, proof of death is required. To read more 




Schools Savings Scheme

Schools Savings Scheme

gr8 saver with rua

We offer a school savings scheme in a number of schools in South Kerry. Staff members visit the schools every Tuesday to collect from students. The current schools include

Cullina N.S
Fossa N.S
Firies N.S
Coolick N.S
Kilcummin N.S
Anabla N.S
Tiernaboul N.S
Lissivigeen N.S
Gael Scoil Faithleann NS
Presentation Monastery NS
Loughquittane NS

If you are a parent/guardian and want to open an account for your child, please read our Guide to Junior Accounts

If you are a school and want a school savings scheme operated in your school, please contact Karena in Killarney Credit Union on 064-6631344 or This email address is being protected from spambots. You need JavaScript enabled to view it.

Account Nomination

Account Nomination

All members over the age of 16 are encouraged to nominate a person/s to receive money from their account in the event of their death. The maximum nomination is €23,000. This will prevent the funds going to Probate (which is a lengthy process). A nomination overrides a will so please make sure your nomination is up to date with your wishes, particularly if there is a change in your marital status.

Marriage revokes a nomination where the marriage takes place after the date of nomination. Divorce or legal seperation does not revoke a nomination. You can download a nomination form here.

Killarney Credit Union Junior Members


Have you met Rua yet?


He's our friendly new mascott! Come and find out more in our Junior Members section!

Great loan interest rates from as low as 



Are my savings secure?

The Credit Union can offer you complete peace of mind with tripple protection on your savings.


More Information

For more information about any of our services please feel free to contact us directly.  We will be happy to help in any way we can.

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Have you been thinking about joining the credit union for a while? Well, now is the time to act! We are looking for new members to be part of our South Kerry credit union community. Young or old, we welcome all ages to join us.

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