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


The Swift Loan T&C

Probably the fastest loan approval in Cork - Loan approval in less than 15 minutes with the minimum of documentation required, if applied for on a working day. You can borrow up to €5,000 over your savings with just a simple credit check and a proof of income ( Pay Slip or Social Welfare Documentation) over a 3-year maximum term


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 and The Covid-19 Credit Guarantee Scheme (Designed to assist businesses, including Primary Producers, impacted by Covid-19 to access credit.)


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

Annual General Meeting

Notification of the 2021 ANNUAL GENERAL MEETING

Notice is hereby given that the Annual General Meeting of Synergy Credit Union Limited will be held virtually via Zoom on Tuesday 14th December 2021 at 7:30pm. The meeting will be hosted by AVC Ltd. Each member is required to pre-register for the meeting, click here to pre-register. Elections will be held to fill 5 vacancies on the Board Of Directors, 2 vacancies on the Borad Oversight Cpmmittee and the position of Auditor. A copy of the 2021 Notification & Annual Report can be downloaded below.

Other Documents

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.


Payroll Deduction Form

Why not make life easier, get some of your wages paid into your Fermoy Credit Union account, either to pay off a loan or to save for a particular goal. Register online and download the APP and you have access 24/7 , to pay bills , transfer funds quickly and of course avoid bank charges as we do not have fees or charges.


SEPA Direct Debit Cancellation

Direct Debit is a simple, reliable and economic way of making your credit union loan repayment or saving on a weekly, fortnightly or monthly basis. Download a form here or call into any of our offices and complete a direct debit form which authorises the credit union to deduct an amount from your bank account on a weekly/fortnightly/monthly basis and pay this into your credit union account. Simple as that. Make sure to cancel your last Direct Debit before setting up a new instruction.


Volunteer Expression of Interest Forms

If you think that you or someone you know has the interest and the time to volunteer in Synergy Credit Union as a Board or Committee member , please email for more information or download an expression of interest form for the Board of Directors and the Sub Committees below. Closing date for applications is 22th September 2023.


COVID-19 Authority

Please download this form and sign it and get it witnessed to give access to a trusted person to transact on your behalf , please include a telephone number in case the credit union needs to verify anything


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