First South Credit Union has nearly 60 years of providing local financial community services. Throughout this time we have proudly served our community
Originally set up in the Parish of Ballyphehane, it was the First Credit Union to be set up South of Dublin.
In December 2015 Ballyphehane Credit Union amalgamated with St. Finbarr’s South Credit Union. This was followed in August 2016 when Kinsale & District Credit Union became part of the First South Credit Union community and in June of 2017 we are delighted to welcome Comhar Creidmheasa Chríost Rí (Turners Cross) to the FSCU family.
Serving a membership of close to 30,000 the common bond of First South Credit Union stretches from Cork City Centre to the Old Head of Kinsale including individuals living or working or studying in the parishes of: – St Finbarrs South Parish, Turners Cross, Ballyphehane, Ballinhassig, Kinsale, Courceys, Tracton Abbey and Killbrittan.
We have four offices located in : Ballyphehane on Lower Friars Walk, on 24/25 South Mall Cork City, Market Street Kinsale and Curragh Road, Turners Cross. Members can carry out all transactions including applying for a loan in any of our four offices.
What do we do?
First South Credit Union is a community based co-operative Credit Union that provides first rate financial services to the people of our community. Close to 30,000 members rely on us for financial services. We provide many facilities to our members including savings, low loan rates, direct debits, online facilities and even a mobile app!
First South Credit Union is at the forefront of the Credit Union movement and we pride ourselves on updating our products and services regularly. In past few years we have introduced new loan products like our Smart Option Loan along with our First Time Borrowers Loan, We now have a Mortgage Loan, you can now Borrow up to €250,000 over 25 years! and new services such as our mobile app, which allows you to check your account balance and transfer funds to any other bank account in the EU. We continue to provide savings facilities, loan services, bill payments, online access, electronic transfer of funds, direct debits and standing orders, with NO Bank Charges.
Lending to our members.
Members of First South Credit Union have borrowed over €300,000,000 over our 60 years of business.
On average we are lending over €1,500,000 every month.
You can borrow anything from €1,000 to €250,000.
We always put the person first. Once a member joins our credit union they can apply for a loan, No waiting period and the amount you can borrow is not dependant on the amount you have saved. The key factor in assessing any loan is the ability of the person to repay the loan.
We have numerous loan offerings with very attractive interest rates to cover:
- Car Purchase
- Home Improvement
- Smart Options
- Secured Loans
- First Time Borrowers
- Student loans.
Further information on our rates can be found in our Loan Section.
How are we different to a bank?
First and foremost the biggest difference is you – our member! You are not a customer, you are a member of the Credit Union. That means you are a part owner of our Credit Union. Each member has an equal vote at our AGM and reaps the benefits of our success by way of dividends and improving services.
Our Credit Union is member focused and offers an efficient, professional and personalised service. Even though you can use our services remotely (CU Online or CU Anywhere) our helpful and friendly staff are always happy to deal with your financial needs in person.