Becoming a Member

Joining is easy! To become a member all you need to do is be LIVING, WORKING or STUDYING within our common bond - see on our map below - and pop into one of our offices to provide the following:

    1. Proof of identification (must show DOB and recent photo):
      • Current valid passport
      • Current valid driving license
      • National ID
      • Garda ML10 Form
    2. Proof of address (must show current address within the last 6 months)
      • Utility Bill
      • Credit Card Statement
      • Bank Statement
      • Motor/Household Insurance Statement
      • Letter from Social Welfare or other Government Dept.
      • CU Statement
    3. Proof of PPSN
      • Payslip
      • P60
      • Medical Card
  • If you do not have one of the above, please call us on 021 396 3384 or email and we will do our best to find a solution
  • Please note that The Lough Credit Union legally cannot accept Public Service Cards as proof of PPS or identification

Once we have these you will be able to enjoy the many benefits that membership of The Lough Credit Union offers. We cater for individual and joint membership accounts as well as clubs & societies. Membership application forms are available on our downloads page.

Download Application

Credit Union loan is way easier when you are a member.


Benefits of Membership

Take control over your personal finances with our great range of products and services that are tailored for maximum service and convenience, including the following benefits:

  • No hefty fees and charges like with your bank
  • Access to competitive loan interest rates with flexible repayment options
  • A loan approval rate of over 93% during the last financial year
  • On demand access to savings which are secured up to €100,000
  • The payment of an annual dividend on savings when approved by AGM
  • Insurance coverage on qualifying loans and savings at no direct extra cost to the member
  • Helping to support your local community through the Credit Union’s sponsorship and community activities
  • Fast, friendly, efficient service from our staff on the phone or at our offices that are open to members for nearly 40 hours per week, including Saturday mornings
  • Fully functional online banking facilities available on this website and through our CU-Anywhere mobile application available on Apple and Android devices
  • You can complete a nomination form enabling you to nominate any person(s) to receive the money in your account in the event of your death up to a value of €23,000. Download a Nomination Form here


Our Common Bond

Like all Credit Unions, our members share what is known as a common bond. This reflects the fact that Credit Unions are mutual organisations run for the benefit of our members. Our common bond extends to any person residing, working or studying in the Lough & Togher areas of Cork City. Historically this area takes in the two parishes of The Lough & Togher and extends from Lehenaghmore & Doughcloyne in the south of our common bond to Western Road in the north, and from the Wilton Road in the west to the Pouladuff Road & Friar’s Walk in the east of our common bond. Please note that the below map is a guideline.