Winners in December 2011 Monthly Members Draw
 

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Credit Union Schools Quiz 2012

Date: 5th February 2012

Venue: Fernhill House Hotel, Clonakilty

Time: 3pm sharp

The Annual Schools Quiz will take place on Sunday 5th February 2012 in Fernhill House Hotel, Clonakilty at 3pm.

The quiz is held in a table quiz format with 4 members to a team. It is divided into 2 categories, Competition A and Competition B with only one team in each category per school.

The qualifying ages for the respective categories are as follows:

Category A: Entrants must not have reached their 11th birthday on or before 31st December 2011.

Category B: Entrants must not have reached their 13th birthday on or before 31st December 2011.

Entry forms must be returned to the Clonakilty Credit Union office on or before 28th January 2012.

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Winners in December 2011 Monthly Members Draw

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Winners in November 2011 Monthly Members Draw
 

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Art Competition 2011 Results

Special Category (Group)

7 years & Under

8-10 Years

11-13 Years

14-17 Years

Special recomendations:

* Florrie McCarthy, Scoil na mBuachailli

* James Hodnett, Rathbarry NS

* Cillian Fitzpatrick, Rae Na Scrine NS

* Amy Buttimer, Kilgarriffe NS

* Dean Corless, St Mologa NS, Timoleague

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Winners in October 2011 Monthly Members Draw
 

Winners in September 2011 Monthly Members Draw
 

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Credit Union Art Competition 2011

It's the time of year for annual "Credit Union Poster Competition", which is this year being renamed "The Credit Union Art Competition". The competition has been running for 27 years now and caters for all ages with categories ranging from 7 years and under to 18 years and over. There is also a Special Category which caters for children and adults who may have learning, physical or mental disabilities.

This year's theme is: "Ireland through my eyes". Entries to be handed into the office of Credit Union, Kent Street, Clonakilty, Co. Cork on or before Friday 21st of October 2011.

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Winners in August 2011 Monthly Members Draw
 

Winners in July 2011 Monthly Members Draw
 

Winners in May 2011 Monthly Members Draw
 

Winners in April 2011 Monthly Members Draw
 

Essay Competition 2011

As part of the Irish League of Credit Unions 'GR8 Savers Week' an invitation was extended to all the Primary Schools in the common bond to participate in a Short Essay Competition.  The title for the essay was 'Saving for a Rainy Day'.  The closing date for entries was Friday 27th May 2011.  The results were as follows:

Special Category

7yrs & Under

8-10 yrs

11-13 yrs

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Change of Opening Hours
As from Monday 28th February 2011 our opening hours will change to the following:
 

Clonakilty Credit Union Proudly Sponsors the St Patricks Day Parade
 

Members of the Town Twinning Association accepting a sponsorship cheque from Marie O'Leary (Manager) on behalf of Muintir Clanna Caoilte Credit Union Ltd for the St Patricks Day Parade.

 Special Car Loan Interest Rate of 7.99%

We are pleased to announce the continuation of our special car loan rate of 7.99% for 2011.   Terms and conditions apply.  Please contact us for a very competitive quote.
 

West Cork Credit Unions Schools Debating Competition 2011

The West Cork Credit Unions Schools Debating Competition is taking place again this year.  The first round is the local round between the Sacred Heart Secondary School and Clonakilty Community College.  This debate will take  place on Tuesday the 8th Feb 2011 and the motion is "That the Catholic Church is not relevant in Modern Ireland". Sacred Heart Secondary School will Propose the motion and Clonakilty Community College will Oppose.
Result: Sacred Heart Secondary School won the debate.

Mount St Michael, Rosscarbery will meet St Fachtnas De La Salle, Skibbereen on Thursday the 10th March.  The motion for this debate is that 'Co education is better than single sex education'.  Mount St Michael will OPPOSE the motion and De La Salle, Skibbereen will PROPOSE.  Good luck to both teams.
 

Closure of our Sub-office in Rosscarbery

It is with regret that we have to inform you that the sub office in Rosscarbery will close on Friday 28th Jan 2011.  The facility has been in operation for just over twenty years. We wish to thank all the members who supported the service throughout this time.
 

Winners in February 2011 Monthly Members Draw
 

Winners in January 2011 Monthly Members Draw
 

Credit Union Primary Schools Quiz 2011

The Annual Credit Union Primary Schools Quiz took place on Sunday 6th  Feb 2011.  The quiz was held in a table quiz format with a maximum of 4 members to a team.  It was divided into two categories, Competition A and Competition B, with only one team in each category per school.  The qualifying ages for the respective categories are as follows:

Competition A: Entrants must not have reached their 11th birthday on or before the 31st December 2010.
Competition B: Entrants must not have reached their 13th birthday on or before the 31st of December 2010.

There was as always a great attendance for the Quiz with 26 teams in total taking part. A special thank you to the teachers and parents for ensuring the continued support for the quiz.

 The winners were as follows:

Competition A:

Competition B

The first place teams in both Competition A and Competition B will go forward now to represent us at the Cork Chapter XI stage of the competition on Sunday the 6th March in the Rochestown Hotel, Cork.  We wish them continued success for this stage of the competition. 

Poster Competition Results 2010

7 Years & Under Category

8-10 Years

11-13 Years

Special Category

Winners in December 2010 Monthly Members Draw
 

Winners in November 2010 Monthly Members Draw
 

Winners in October  2010 Monthly Members Draw

Winners in Sept 2010 Monthly Members Draw
 

Winners in August 2010 Monthly Members Draw

Winners in July 2010 Monthly Members Draw
 

Winners in June 2010 Monthly Members Draw

Warning

An email is going around seemingly from the Irish League of Credit Unions.  The address used is Billing@creditunion.ie

This is not from the Irish League of Credit Unions.  Simply Delete this email. Do not respond in any way.  The link to confirm your billing records asks for your passport number and expiry date.  Please note that the Irish League of Credit Unions and Credit Unions will never ask you for this information either by email or telephone and your should never disclose this information to anyone.
 

Managing Your Finances
 

In the current recession money problems can seem insurmountable-which is why Credit Unions in Cork have taken the initiative in offering valuable advice.  The credit unions have teamed up with MABS (Money Advice Budgeting Service) to offer advice to people who have found their ability to meet their financial commitments hit by less income-either due to a job loss or pay reduction or another change in circumstance.  They've drawn up a leaflet, with guidelines on how to manage your financial debt-including advice on the steps to take to try and work your way back into the black, and a detailed budget sheet to start you on your way.  There will not be an easy solution to your money problems-but more often than not , debt problems can be resolved with time and effort.

1. Work out your budget -be honest.  Using a budget planner , you can make a list of all your income and outgoings. This will help to highlight areas where you could save a bit of money and it will help to prioritise your spending.   Log on to www.corkcreditunions.com for a downloadable version of the budget planner. 
2. Assess and prioritise your debts.  The worst thing to do is to ignore attempts by creditors to contact you-this could lead to legal action, and affect your credit rating.
3. Repayment plans-contact the companies that you owe money to .  Be open and honest about your circumstances, and try to come to an arrangement of repayments that you can afford to meet.
4. Beware of borrowing to repay-you could just be getting deeper into debt.  Stay well away from "easy money"-companies offering pay day advances and money lenders might seem like a solution at the time, but with legal doorstep lending companies charging 272.2% APR*, unsuspecting borrowers are left repaying hundreds of Euros in interest alone.
    

Credit unions have been a source of affordable credit in Ireland for the past 40 years.  We would ask our members, who might be experiencing financial troubles, don't delay-come and speak to us today, and see if we can help.
 

Log onto www.corkcreditunions.com for a downloadable version of the Budget Planner leaflet.  Further assistance can be found with MABS by contacting them on 1890283438 or log onto their website, www.mabs.ie
*Provident Personal Credit, as stated on their website May 18th 2010
 

Short Essay Competition -"Why Saving is Important"

Thank you very much to all the participants in this competition.  An awards ceremony was held on Wed the 22nd June 2010.  The results are as follows:

Special Category

7 Yrs & Under

8-10 Yrs

11-13 Yrs

Credit Union National Youth Savings Week will take place from the 10th -16th May 2010.  The aim of this new initiative is to encourage young people to develop a savings habit at their local credit union.  To promote this we are running a short Essay Competition for children on why saving is so important.  The competition is aimed to cater for all ages with categories ranging in ages from under 7 to 13 years.  There is also a Special Category which caters for children who may have learning, physical or mental disabilities.  We are offering your pupils a chance to participate in this competition.  Please be aware of some important notes:

>The topic is " Why Saving is Important"
>The Competition has 2 categories: General & Special with 3 age sub categories:
       >  7 yrs and under
       >  8/10 yrs
       >  11-13 yrs
>The length of the essay for the different age categories are as follows:
         >7yrs and under- a maximum of 100 words
         >8/10yrs- a maximum of 150 words
        >11/13 years- a maximum of 200 words
>Entries must be handed into the Credit Union Offices, Kent St, Clonakilty, on or       before Friday 14th May 2010
>Essay entries are to be submitted on A4 paper only.
>Entry forms are available at the Credit Union Offices, Kent St, Clonakilty, or from your school.

Winners in May 2010 Monthly Members Draw

Winners in April  2010 Monthly Members Draw
 

Poster Competition 2008/2009
"My Credit Union , My Choice". 

The time for the Annual Poster Competition is with us again.  The competition has been running for 25 years now and caters for all ages with categories ranging in ages from under 7 to over 18.  There is also a Special Category which caters for children and adults who may have a learning, physical or mental disability.  The posters of the national prize-winners will be featured in the Credit Union calendar for 2011.  

The standard of entry for this years competition was again very high.  There was a record number of entries. A prize giving ceremony was held on Friday 13th  November 2009, for the prize-winners, their teachers and parents. A great time as had by all.   May we take this opportunity to thank all the teachers and parents for their continuous support in this competition.  There was a record 189 entries this year! The 1st place winning posters will go  forward  to  Cork Chapter  XI level for judging on Fri 20th November 2009.  We wish them well at this stage. The winners of our local phase are listed below:

7yrs and Under

8-10 Years

11-13 yrs

14-17 yrs

18 years and over

Special Category

We are delighted to announce that Paulena Ahern  and COPE Foundation were successful at Cork Chapter XI level of the competition.  Their posters went on to be judged nationally on Sunday 7th Feb 2010.  Unfortunately both entrants were unsuccessful at this stage.  A thank you to all participants, teachers and parents.

Photos:
 

Clonakilty Credit Union Pleased To Announce No Lending Rate Increase

 Various other lenders in the market have recently announced  lending  rate hikes but Clonakilty Credit Union is pleased to announce that their lending rates are to stay the same.  These lenders have also predicted  an increase in bank charges. Therefore, we would like to take this opportunity to remind you that  there are no charges or fees on your account.  Please phone or drop into our offices for a competitive loan quote from our friendly and efficient staff.

Winners in February 2010 Members Draw