Find all Synergy Credit Union forms and downloads here.

Current Account

Member Brochure

The Members Brochure for the full details on the Synergy Credit Union Current Account and Overdraft Facility


Terms & Conditions

Please find here the full Terms and Conditions of the Current Account and Overdraft facility at your Credit Union


Fees & Charges

Please find in this document , the fees and charges associated with Synergy Credit Union Current Account , no fees for students and those over 66


Business Loans - up to €100,000

Synergy Credit Union Business Loans (Short/Medium/Long Term Business Loans up to €100,000 unsecured. Switcher Loans that give businesses the opportunity to move their loans to their local trusted Credit Union.


A guide to uploading your documentation

At Synergy Credit Union, we are fully committed to serving our members as efficiently as possible. Please find here a guide to uploading documents securely and safely using the "Document Uploader" that can be found when you log into your Online Account or into your account on the Mobile App. You can now remotely update your details or send in documentation when applying for a loan

2023 Annual General Meeting


A copy of the 2023 Annual Report can be downloaded here.

Forms & Statements

Standard Rules

This Credit union is affiliated to the ILCU (Irish League of Credit Unions) and thus must operate in line with the ILCU Standard Rules (which members of the Credit Union are bound to the Credit Union by) and the League Rules (which the Credit Union is bound to the ILCU by).


Sponsorship and Donations Application Form

The application for community groups and organisations to apply for sponsorships or donations is attached as a PDF document below . Please print this form off and send it into the Credit Union Office in Fermoy marked for the attention of the Youth and Community Committee.


Volunteer Expression of Interest Forms

Are you passionate about making a positive impact in your community? Synergy Credit Union in Fermoy is seeking individuals interested in volunteering as Board or Committee members. If you or someone you know has the time and enthusiasm to contribute, kindly reach out to The Nomination Commitee for additional details or download the Expression of Interest forms for the Board of Directors and Sub-Committees from the links below. While our official recruitment drive for volunteers begins in September 2024, if you're eager to get involved, feel free to complete the form and submit it to The Nomination Committee at your earliest convenience. Your commitment can make a meaningful difference!

Email Address for the Nomination Committee is


Website Privacy Notice


Data Privacy Statement

AGM Reports & Regulatory Info

Annual Reports

Annual Report 2015

Annual Report 2018

Annual Report 2019

2020 Annual Report

Annual Report 2021

Deposit Guarantee Scheme


Regulation 53 Information


SME Borrowers in Financial Difficulty January 2021


Switch and Save Loan Terms and Conditions


Synergy Credit Union Ltd Regulation 76 Framework Contract


Synergy Credit Union Privacy Leaflet 2021


Synergy Credit Union Privacy Notice