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The membership application form is a PDF document and Adobe Acrobat Reader is required to the view it. Adobe Acrobat Reader can be downloaded for free by clicking on the Get Acrobat Reader icon.

Members Complaint Procedure And Policy

It is the aspiration of your credit union that a complaint against the credit union will be resolved in a fair and equitable manner. In order that this is accomplished the following is the Procedure and Policy.
Click to DownloadDownload Members Complaint Policy (2801.5kb)

SEPA Direct Debit Form

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.
) Click to DownloadDownload Download SEPA Direct Debit Form (111.5kb)

Education Bursary Application Form

This Bursary is open to all members whom are attending third level in the coming year. You don’t necessarily have to be doing your Leaving Certificate this year but must be applying to do a third level course of at least 2 year duration. This must be your first time going to a third level for a college course of 2 years or longer. It is also open to mature students whom have not been previously in Third Level. It is not performance based but is based on the application enclosed and the applicants will be judged by a selection committee. The Bursary is worth €1000 per year for a maximum of 4 years. The Closing Date is the 30th of September
) Click to DownloadDownload Third Level Educational Bursary Application Form (1057.4kb)

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.
)Click to DownloadDownload Payroll Deduction Form (74.1kb)
Switch and Save Loan - Terms and Conditions
Imagine what you could do with a little more money in your pocket! You could have it by paying less interest on your loan. Let Synergy Credit Union help you discover how you can SWITCH your loan to SAVE money!
Click to DownloadDownload Switch and Save Loan Terms and Conditions (198.1kb)
4% Holiday Loan Promotional Loan May 2017
We have slashed our Loan Interest Rate to 4% ( 4.1% APR ) for one month for all Holiday Loans. This is for a 1 year Loan and is only available until the 31st of May 2017
Click to DownloadDownload 4% Holiday Loan 2017 Terms and Conditions (209kb)

Annual Report 2015

Please find the 2015 Annual Report of Fermoy Credit Union here available for download
Click to DownloadDownload Annual Report 2015 (1644.2kb)

Sponsorship / Donation Application Form

Please print off this form if you are requesting sponsorship from the credit union. We are delighted to sponsor and donate to many events in our common bond but we do have a duty to our members to ensure that we get the best value for members money . Please ensure that you detail how Synergy Credit Union will benefit from the sponsorship in the way of exposure and viability.
Click to DownloadDownload Sponsorship and Donation Application Form (239.9kb)
Student Budget - A guide to get you started
Here is a budgeting sheet to help you get started in planning your finances. Preparing a budget is the basis for starting any planning process. Having a budget that you mostly adhere to will help you get through 3rd level with a bit less stress.
Click to DownloadDownload A template to help you with student budgeting (318.4kb)

Contact Us
  • Synergy Credit Union
  • Tel: 1800 272927
  • Fax: 025 32503
  • Email:
  • Address: 27/29 Patrick Street, Fermoy, Co Cork
Opening Hours
Fermoy Branch
  • mon
  • tue
  • wed
  • thu
  • fri
  • sat
  • 10:00am - 4:00pm
  • 10:00am - 4:00pm
  • 10:00am - 4:00pm
  • 09:30am - 4:00pm
  • 09:30am - 4:00pm
  • 09:30am - 1:30pm
Watergrasshill Branch
  • tue
  • fri
  • sat
  • 10:00am - 2:00pm
  • 10:00am - 4:00pm
  • 09:30am - 12:00pm
*closed for lunch 12:30 - 1:30pm
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Synergy Credit Union Ltd is Regulated by the Central Bank of Ireland. Reg No. 126 CU