Become A Member

The future is in your hands. Join and become a part of a community based, not-for-profit, financial co-operative who put you, the member, at the forefront.

Benefits of membership

Explore the many benefits, exclusive to members.

Borrow as little as €50 and up to €100,000.

Repayments to suit you - weekly, fortnightly, 4-weekly or monthly.

Enjoy great value loan rates with no application fees.

Your loans are insured at no extra cost to you.

Become part of a non-for-profit financial co-operative.

Bank on-the-go with our online services and Mobile App.

How can I join?

To join, all you need is the below.

Proof of Identity

Proof of Identity

e.g., Passport or Drivers Licence

Proof of Address

Proof of Address

e.g., Utility Bill or Statement from a Financial Institution dated within the last 6 months

Proof of PPS Number

Proof of PPS Number

e.g. European Health Insurance Card, Payslip, Correspondence from Revenue/Dept. of Employment Affairs & Social Welfare

Still have question?

See if your membership questions are answered in our Frequently Asked Questions below.

Who can join Synergy Credit Union?

If you live or work in our common bond then you are entitled to join us at Synergy Credit Union. A common bond refers to the community within which the Credit Union operates.

We want you to be a part of our community so if you live, work, or go to school within our common bond, or live with a relative that is already a member, you can join today

What is the common bond?

Araglen, Ballyduff, Ballyhooly, Castlelyons, Castletownroche, Conna, Glanworth, Glenville, Fermoy, Kilworth, Kildorrery, Leamlara, Rathcormac, Watergrasshill and surrounding areas.

In Cork City our common bond includes Tivoli, Lower Glanmire Road, Middle Glanmire Road, Horgan’s Quay, Patrick’s Quay, McCurtain Street, Wellington Road, Leitrim Street, Richmond Hill, Rathmore Park, Pope’s Road, Thomas Kent Park, Old Youghal Road, St. Luke’s and surrounding areas.

How do I reopen a dormant account?

If you believe that your account is dormant, you may be able to update and reactivate it Online. Please contact a member of staff on Freephone 1800 272927 or email This will allow us to determine what documentation we may need from you - we may for example need Photo ID/ Proof of Address/Proof of PPS number - our staff member will advise you on this and on the next steps to take.

How can I join?

You can join by downloading our Mobile App and submitting a membership application here.

Alternatively, if you would like a dedicated time to open an account or to reactivate your account if it is dormant, you can make an appointment to meet a staff member here.

What do I need to open an account?

To become a Member of this innovative organisation, you will need the following documents.

  1. Photo ID (e.g., Passport or Drivers Licence)
  2. Proof of Address (e.g., Utility Bill or Statement from a Financial Institution dated within the last 6 months)
  3. Proof of PPSN (e.g. European Health Insurance Card, Payslip, Correspondence from Revenue/Dept. of Employment Affairs & Social Welfare, etc.)

Please note that the green Public Service Card cannot be used online as proof of ID or PPSN.

What is the complaints procedure?

Member complaints process:

Although Synergy Credit Union Ltd officers will make every effort to provide the best quality of service to its members, complaints may arise from time to time. Synergy Credit Union Ltd wishes to be seen as member-friendly and to be viewed by all of its members as efficient & fair in all of its dealings with you.

As things may go wrong from time to time, and if you have a complaint about how we have dealt with you, we want you to tell us. We welcome any Complaints you may have as it may help us improve our service to you and other members alike.

Any Complaint will be investigated fairly, and in accordance with our Complaints Policy and under rule 160 of the Standard Rules for Credit Unions.

Definition of a Complaint:

A complaint is any expression of dissatisfaction, whether justified or not, about any aspect of Synergy Credit Union Ltd. Complaints may come from any person or organisation who has a legitimate interest in Synergy Credit Union Ltd.

Contact details for making a complaint:

A complaint can be received verbally, by phone, by email or in writing.

Written complaints may be sent to the Complaints Officer, Synergy Credit Union Ltd at 27- 29 Patrick Street, Fermoy Co Cork, P61 WE22 or by email at

Verbal complaints may be made by phone to 025- 31921 or in person to any of Synergy Credit Union’s staff, volunteers, board or board oversight members.

When we receive a verbal complaint, we offer the member the opportunity to have the complaint treated as a written complaint.


All complaint information will be handled sensitively, telling only those who need to know and following any relevant data protection requirements.

Synergy Credit Union Complaints Handling Policy, Procedure and Process:

A copy of our Complaints Handing Policy and Procedure are available upon request or alternatively on our website

Synergy Credit Union Ltd have in place a written procedure & process for the proper handling of complaints. This does not apply where the complaint has been resolved to the complainant’s satisfaction within 5 working days, a record of this fact will be maintained.

• We acknowledge each complaint in writing within 5 working days of the complaint being received.

• We will provide the complainant with the name of one or more individuals appointed by Synergy Credit Union Ltd to be the complainant’s point of contact in relation to the complaint until the complaint has been resolved.

• We will provide the complainant with a regular written update on the progress of the investigation of the complaint at intervals of not greater than 20 working days.

• We will attempt to investigate and resolve a complaint within 50 working days of having received the complaint. Where the 50 days have lapsed and the complaint has not been resolved, we will inform the complainant of the anticipated time-frame within which we hope to resolve the complaint.

• We will inform the complainant of their right to refer the matter to the Financial Services Ombudsman, the Pensions Ombudsman or the District Court where relevant. • The Financial Services Ombudsman is a government agency which independently investigates complaints at no charge to the member. Contact details for this agency. Financial Services Ombudsman Lincoln House 6- 16 Lincoln Place Dublin 2. D02 VH29

• We will advise the complainant in writing, within 5 working days of the completion of the investigation, the outcome and explain the terms of any offer or settlement being made.

Not a Member?

Our members benefit from the lowest lending rates in the community, no transaction charges, no fees, a whole host of free services and friendly staff