Students get college ready with your local Credit Union

Getting ready for college?

We can help with your finances before you go so you can focus on enjoying your college experience when you get there. We’ll help you budget for college and calculate your expenses so not only will you know the costs of attending college, but you’ll be prepared for going. Credit Unions help students finance college. It’s an exciting time for you and we want to give you confidence that you can afford it.

Not a member? Not a problem? Join today using your mobile phone in 5 easy steps and we are here to help you.  See here: https://synergycu.ie/join

Open a current Account or avail of a student loan to be in with a chance to win a €1000.

All students who have opened a current account or taken out a student loan with Synergy Credit Union will be automatically entered into a free draw with a prize fund of €1,500.  Every eligible member will automatically be entered into the raffle and the lucky winner will be awarded a €1000 cash prize and the second and third drawn names will receive €300 and €200 respectively. See eligibility and draw criteria at the end of the page.

Student Current Account:

Our Current Account gives you instant access to your money through our Mastercard® Debit Card, a secure app and online portal, mobile functionality, and best of all, there’s free day-to-day banking for Students! You also get access to Mastercard Priceless Cities with digital experiences like free yoga classes and priority access to sporting and music events. The Student Current Account is available to Credit Union members enrolling or currently enrolled in full-time third-level education. Google, Fitbit and Apple Pay enabled card.

Student Loans:

Credit Unions are renowned for helping students finance college and helping them achieve their educational goals. We offer a reduced rate loan to students and flexible repayments.

Parental Loans:

A parent or guardian can apply for a personal loan for the purpose of assisting you with your studies but you should think about applying in your own name to build up a credit record.

Other Services:

Why not get in touch with our credit union staff to find out what other supports and services we provide that will help you prepare for your college year.

Features & Benefits:

• Free day-to-day banking
• Mastercard Debit Card with Contactless
• Online & Mobile banking
• Overdraft for emergency funds
• Student Loans with reduced interest rates
• Access to Mastercard Priceless Cities

Important Information:

In order to open a Student Current Account and avail of a fee concession, you must be aged 12 - 25 years, resident in the Republic of Ireland and in full time third-level education. If you are 12 to 17 years of age, we require the consent of your parent or guardian for you to open an account. Fees and charges apply for using your Debit Card for purchases and cash withdrawals in a foreign currency. Terms and Conditions apply. For overdrafts and loans, you must be 18 years or older. Lending criteria, terms and conditions apply. A parental/guardian guarantee may be required.

Eligibility Criteria for the Student Draw 2023: 

To be eligible for the draw you must be a full time student  and been approved and issued an Educational Loan of more than €1,000 or who have opened a Current Account between 1st January 2022 to 30th September 2023.

All students who are eligible will be automatically entered into the draw.

• The course must be CAO or QQI approved and full-time.
• The decision of the Board of Directors is final.
• The draw will take place in the first week of October.
• The winning students will be contacted to see if they want to accept the prize.
• If the winning student does not accept the prize the second drawn student will move into first place and another student will be drawn for third place.
• The winning students must attend at the presentation of the cheque.
• The winning students must consent to their name and picture being used on our website or social media pages and local press.