News & Events
 

Winners in July 2010 Monthly Members Draw
 

1st	Ann O'Sullivan, Farran, Mayfield, Bandon	€5,000
2nd	Audrey Coleman, Kilgarriffe, Clonakilty	€500
3rd	Elaine Sexton, Ardmore, Timoleague	€100
4th	Sheila O'Neill, Ballymacowen, Clonakilty	€100
5th	Gerard Fehily, Owenahincha, Rosscarbery	€100
6th	Susan Madden, South Square, Clonakilty	€100

 

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Winners in June 2010 Monthly Members Draw

1st	Diarmuid Keohane, Carrigroe, Clonakilty	€5,000
2nd	Karen O'Mahony, Mill Street, Timoleague	€500
3rd	Rita Tobin, Clouncunning, Ardfield	€100
4th	Ita Harrington, South Ring, Clonakilty	€100
5th	Breda Collins, Assumption Place, Clonakilty	€100
6th	Andrew Kelleher, Kilmoylerane, Ballinascarthy	€100

 

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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
 

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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

1st

Carlan Ellis

Scoil na mBuachaillí

7 Yrs & Under

1st	Stephen Gordan	Kilmeen National School
2nd	Jessica O'Driscoll	Kilmeen National School
3rd	John O'Sullivan	Kilmeen National School

8-10 Yrs

1st	Ciaran O'Neill	Knockskeagh National School
2nd	Thomas Tyner	Kilmeen National School
3rd	Killian O'Driscoll	Kilmeen National School

11-13 Yrs

1st	Ben Latimer	Scoil na mBuachaillí
2nd	Ryan Miller	Scoil na mBuachaillí
3rd	Emma O'Sullivan	Reenascreena National School

 

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.

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Winners in May 2010 Monthly Members Draw

1st	Mary Daly, Coolnaconartha, Rossmore	€5,000
2nd	Neilus Flavin, Cregg, Glandore	€500
3rd	Sean Nugent, McCurtain Hill, Clonakilty	€100
4th	Gerard O'Mahony, Clasheen Lane, Rosscarbery	€100
5th	Sheila O'Neill, Argideen View, Ballymacowen	€100
6th	Elaine Harte, Burgatia , Rosscarbery	€100

 

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Winners in April  2010 Monthly Members Draw
 

1st	Gerard Deasy, McCurtain Hill, Clonakilty	€5,000
2nd	Helen Skinner, Shannonvale, Clonakilty	€500
3rd	Ann Maria Collins, Ballineen	€100
4th	Sinead O'Sullivan, 42 Wayside Drive, Clonakilty	€100
5th	Colette O'Regan, Assumption Place, Clonakilty	€100
6th	Eamonn Reilly, Lackenalooha, Clonakilty	€100

 

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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

1st	Aaron O'Donovan, Rathbarry National School
2nd	Aiesha Hurley, Rathbarry National School
3rd	James Hodnett, Rathbarry National School

8-10 Years

1st	Lorraine Callanan, Rathbarry National School
2nd	Kevin O'Leary, Rathbarry National School
3rd	Maeve O'Sullivan, St Mary's, Rosscarbery
3rd	Besorah Moba, Scoil na mBuachaillí

11-13 yrs

1st	Sarah Benson, St Josephs, Clonakilty
2nd	Fiona Scally, Rathbarry National School
3rd	Rachel Hodnett, Rathbarry National School

14-17 yrs

1st	Michelle O'Sullivan, Sacred Heart Secondary School
2nd	Jessica Coakley, Sacred Heart Secondary School
3rd	Sara Crowley, Sacred Heart Secondary School

18 years and over

1st	Paulena Ahern, Sacred Heart Secondary School
2nd	Caoimhe Keohane, Sacred Heart Secondary School
3rd	Emma O'Sullivan, Sacred Heart Secondary School

Special Category

1st	COPE Foundation , Clonakilty

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:
 

 

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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.

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Winners in February 2010 Members Draw
 

1st	Barbara Dunne, Leap, Rosscarbery	€10,000
2nd	Luboslaw Dormus, Tawnies Lower,  Clonakilty	€1,000
3rd	Mary Walsh, Ahamonister, Timoleague	€500
4th	Marie O'Donovan, Foxhall, Rosscarbery	€250
5th	Susan Downey, 2 College Grove,  Clonakilty	€250

 

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Winners in December 2009 Members Draw
 

1st	Anne Cahalane, Travara, Butlerstown	€10,000
2nd	Norma Gallwey, Kent St, Clonakilty	€1,000
3rd	Conor O'Leary, Old Timoleague Rd, Clonakilty	€500
4th	John Crane, Ballinascarthy,	€500
5th	Sandra Moloney, Shannonvale, Clonakilty	€500
6th	Lisa Connolly, Cahermore, Rosscarbery	€500
7th	Attracta Calnan, Park View, Clonakilty	€250
8th	Kathleen McCarthy, Lislevane, Bandon	€250
9th	Maura Madden, Lislevane	€250
10th	Anat Mergi, Emmet Sq, Clonakilty	€250
11th	James Hayes, Casement Park, Clonakilty	€250
12th	Frances McCarthy, Casement Park, Clonakilty	€250
13th	Eileen Blackwell, Emmet Sq, Clonakilty	€250
14th	Ronan Archibald, Tawnies Crescent, Clonakilty	€250
15th	Conor Harrington, Timoleague	€250
16th	Susan Cullen, Burgatia	€250
17th	Kevin Coleman, Kilgarriffe, Clonakilty	€250
18th	Donal Madden, Sth Square, Clonakilty	€250

 

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West Cork Credit Union Schools Debating Competition 2009
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 Mount St Michael Rosscarbery.  This debate took place on Thurs the 19th November and the motion was "That an individual has the the right to protect their private property". Mount St Michael Rosscarbery were crowned the winners of this debate and they will now go on to meet Skibbereen in the next round.


Mount St Michael Rosscarbery Team Members : Rita O'Donovan, Siobhan O'Driscoll, Marion O'Driscoll & Mikey O'Donovan.  Also included in the picture is their teacher Deborah Bracken.

Second Round: The motion for this debate was that "Money is the Root of Irelands Most Recent Problems". This debate took place on the 4th February 2010 and Skibbereen were crowned the winners.  We wish them good luck in the next round of the competition. 

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Credit Union Primary Schools Quiz 2010
The Annual Credit Union Primary Schools Quiz took place on Sunday 31st January 2010 in Fernhill House Hotel.  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 2009.
Competition B: Entrants must not have reached their 13th birthday on or before the 31st of December 2009.

There are 18 primary schools in the common bond of Clonakilty Credit Union and the majority of these took part in the quiz.  It was a great fun day out and was enjoyed by pupils and parents alike. The first place winners in both Competition A and Competition B will go on  to represent us at the Cork Chapter Level of the Competition on Sunday the 7th March 2010.

The winners in each category were as follows:

Results
Competition A:

First Lisavaird. Included in the photo are team members: Louise O'Regan Dairin Fehily, Daniel O'Driscoll, Roisin O'Mahony
Second Knockskeagh Included in the photo are team members: Roisin O'Sullivan, Shane Collins, Sean O'Sea, Padraig O'Donovan
Third Gaelscoil Chloch na Coillte Included in the photo are team members: Ryan O'Corcrain, Oisin Devoy, Inish Crisson, Ciaran O'Failbhe

Results
Competition B:
 

First Gaelscoil Chloch na Caoillte Included in the photo are team members: Liam O'Conchuir, Oisin O'Broin, Erin Ni Riain, Aindriais O'Muircheartaigh
Second Timoleague Included in the photo are team members: Eoin Holland, Ailbhe Dowling, Bill Fleming, Meabh McSweeney
Third Ardfield Included in the photo are team members: Kate O'Donovan, Paul O'Donoghue, Peter Whelton, Connor Scully

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Credit Union Primary Schools Quiz 2009
The Annual Credit Union Primary Schools Quiz took place on Sunday 2nd Feb 2009.  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 2008.
Competition B: Entrants must not have reached their 13th birthday on or before the 31st of December 2008.

There are 18 primary schools in the common bond of Clonakilty Credit Union and the majority of these took part in the quiz.  It was a great fun day out and was enjoyed by pupils and parents alike.  The first place  winners in both Competition A and Competition B will go on  to represent us at the Cork Chapter Level of the Competition later in the year.    The results of the local quiz are as follows:

 

Results
Competition A:

First Gaelscoil Chloch na Caoillte Included in the photo are team members: Liam O'Conchuir Oisin O'Broin Erin Ni Riain Ryan O'Corcrain
Second Knockskeagh Included in the photo are team members: Oisin Walsh Brian Dineen Roising O'Sullivan Denise Palmer
Third St Marys, Rosscarbery Included in the photo are team members: Pia Barrett Sophia Rettali Meadhbh Hayes Mary Hurley

 

Results
Competition B:
 

First Gaelscoil Chloch na Caoillte Included in the photo are team members: Cian Mac Péice Féadha Ni Chaoimhe Ewan O'Cíarnáin Eoghan O'Déiseach
Second Knockskeagh Included in the photo are team members: Sean O'Sullivan Brian Cullinane Sean O'Neill Eamonn Barrett
Third Ardagh, Rosscarbery Included in the photo are team members: Adam Barrett Edmund Beese Cathal O'Rourke Daniel Kennedy

 

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Winners in October 2009 Members Draw
 

1st	Carin Mac Cana, Timoleague	€10,000
2nd	Mary O'Donovan, Inchydoney, Clonakilty	€1,000
3rd	Collette Tobin, Burgatia, Rosscarbery	€500
4th	Rosie O'Sullivan, Tawnies Lwr,  Clonakilty	€250
5th	Alan Bryan, Kilmalooda, Ballinascarthy	€250

 

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Winners in Aug 2009 Members Draw
 

1st	Caoilfhionn Casey, Ardfield, Clonakilty	€10,000
2nd	Kay O'Brien, Kilbrittain	€1,000
3rd	Audrey Coleman, Clonakilty	€500
4th	Tony Barry, Clonakilty	€250
5th	Denis O'Donovan, Clonakilty	€250

 

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West Cork Credit Unions Schools Debating 2008/2009

The West Cork Credit Unions Schools Debating Competition is taking place again this year.  The first round is the local round and Sacred Heart Secondary School met Clonakilty Community College on Tuesday the 10th March 2009.  The motion for this first round debate was "That Hollywood Movies have a bad influence on the world".  Sacred Heart Secondary School Proposed the motion and the Community College Opposed it.  Sacred Heart Secondary School were crowned the winners of this debate and they will now go on to meet Skibbereen in the next round.  The motion for this next round of the debate is "That Fees for 3rd level education in Ireland should be re-introduced"
 

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St Patricks Day Parade 2009

Clonakilty St Patricks Day Parade will be held on Tuesday the 17th March 2009 at 3pm.  Clonakilty Credit Union was again proud to be the main sponsor of this event. 


Members of Clonakilty Town Twinning Association pictured with Board Members of Clonakilty Credit Union receiving the sponsorship cheque for €2,250.00

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Winners in June 2009 Members Draw
 

1st	Lorraine Chambers, Clonakilty	€10,000
2nd	Donal Collins, Granagoleen	€1,000
3rd	Pat Keohane, Casement ParkClonakilty	€500
4th	Dan White, Ashgrove, Clonakilty	€250
5th	Mary McCarthy, Parish Field, Clonakilty	€250

 

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Winners in April  2009 Members Draw
 

1st	Clodagh Fitzpatrick,  Clonakilty	€10,000
2nd	Michael Lyons, McCurtain Hill, Clonakilty	€1,000
3rd	Margaret Sexton, Carhue, Timoleague	€500
4th	Donncha O'Donnchadha, Clonakilty	€250
5th	Siobhan Jennings, Rossmore	€250

 

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Winners in February 2009 Members Draw
 

1st	Jimmy Rohan, Chestnut Grove, Clonakilty	€10,000
2nd	Carla Langlands, Lislevane, Bandon	€1,000
3rd	Kathleen Murphy, Tawnies Crescent, Clonakilty	€1,000
4th	Deirdre Hayes, Carbery Mews, Rosscarbery	€500
5th	Noreen Holland, Tawnies Lower, Clonakilty	€500
6th	Martina Hayes, Bohonagh, Rosscarbery	€500
7th	Patricia Flynn, Assumption Place, Clonakilty	€500
8th	Viola O'Donovan, Knockskeagh, Lyre	€500
9th	Tim Cullinane, Donour, Castlefreke	€500

 

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Winners in December 2008 Members Draw
 

1st	Elizabeth O'Sullivan, Knocknamillen, Courtmacsherry	€10,000
2nd	Mary Flavin, Gullane, Rosscarbery	€2,500
3rd	Annie O'Regan, Kilkern, Castlefreke	€1,000
4th	Colette Twomey, Tawnies Lower, Clonakilty	€1,000
5th	Dominic Carroll, Dunowen, Ardfield	€1,000
6th	Gretta Murphy, Western Rd, Clonakilty	€1,000
7th	Mary Mullen, McCurtain Hill, Clonakilty	€750
8th	Mary O'Sullivan, Reacarrigeen, Ballinascarthy	€750
9th	John O'Driscoll, Castlefreke, Clonakilty	€500
10th	Sheila McCarthy, Dunnycove, Ardfield	€500
11th	Veronica Calnan, Grillagh, Clonakilty	€500
12th	Brian McCarthy, 39 Tawnies Crescent, Clonakilty	€500
13th	Claire Vickery, Mill View, Rosscarbery	€500
14th	Jennifer Hendy, Coolcraheen, Rosscarbery	€500
15th	Elizabeth O'Brien, 27 Larkin St, Clonakilty	€500
16th	Gerard O'Donoghue, Assumption Place, Clonakilty	€125
17th	Eamonn Harte, Gullane, Clonakilty	€125
18th	Fachtna Murray, North Square, Rosscarbery	€125
19th	Mary Hurley O'Leary, Carrigroe, Clonakilty	€125
20th	Elaine Harte, Gullane, Clonakilty	€125
21st	Bridie Murphy, Tawnies Crescent, Clonakilty	€125
22nd	Ann O'Driscoll, Kilmoylerane, Ballinascarthy	€125
23rd	Emma Connolly, Inchydoney, Clonakilty	€125
24th	Siobhan Fitzgerald, South Square, Clonakilty	€125
25th	Lorna Collins, Ladys Cross, Clonakilty	€125
26th	Denis Calnan, Gullane, Clonakilty	€125

 

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Winners in October 2008 Members Draw
 

1st	Ann Harrington, The Miles Clonakilty	€10,000
2nd	Mick O'Mahony, Clonakilty	€1,000
3rd	Mary Colgan, Courtmacsherry	€500
4th	John O'Donovan, Castlefreke	€500
5th	Bernie O'Brien, Clonakilty	€250
6th	Catriona Greene, Clonakilty	€250
7th	Nora McCarthy, Clonakilty	€250
8th	Rosarie McCarthy, Lislevane	€250

 

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Poster Competition 2008/2009

"The Credit Union CU at your Place". 

The time for the Annual Poster Competition is with us again.  The competition has been running for 23 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 2010.  

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 14th  November 2008, for the prizewinners, 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.  . The 1st place winning posters will go  forward  to  Cork Chapter  XI level for judging.  We wish them well at this stage. The winners of our local phase are listed below:

7yrs and Under

1st	Kelsey O'Mahony, Lisavaird National School
2nd	Mabel Bohan, St Josephs , Clonakilty
3rd	Rebecca Henry , St Josephs, Clonakilty

8-10 Years

1st	Mary Jo Nic Liam, Geal Scoil, Chloch na gCoillte
2nd	Darren Coakley, Scoil Dhaibhre, Clonakilty
3rd	Mark White, Scoil na mBuachailli, Clonakilty
3rd	Lucy Horgan, St Josephs, Clonakilty

11-13 Years

1st	Radek Mazur, Timoleague National School
2nd	Sarah Benson, St Josephs, Clonakilty
3rd	Luke Ryan, Scoil na mBuachailli, Clonakilty
3rd	Padraig Walsh, Knockskeagh, Lyre

14-17 Years

1st	Kate Harte, Sacred Heart Secondary School, Clonakilty
2nd	Kate O'Flynn,Sacred Heart Secondary School, Clonakilty
3rd	Jessica Pettit-Mee, Sacred Heart Secondary School
3rd	Phoebe CottonSacred Heart Secondary School,

18 Years & Over

1st	Katie Benson, Sacred Heart Secondary School,
2nd	Julie Fitzgerald, Sacred Heart Secondary School,
3rd	Sally Hughes, Sacred Heart Secondary School, Clonakilty
3rd	Anna Frontczak, Sacred Heart Secondary School,

Special Category Individual

1st	Anton O'Callaghan, Scoil Dhaibhre, Clonakilty
2nd	Ina Harte, Cope, Clonakilty
3rd	Kay O'Sullivan, Cope, Clonakilty

 

Special Category Group

1st	Cope Foundation, Clogheen, Clonakilty

 

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Credit Union Primary Schools Quiz 2008
The Annual Credit Union Primary Schools Quiz took place on Sunday 27th of January 2008.  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 2007.
Competition B: Entrants must not have reached their 13th birthday on or before the 31st of December 2007.

There are 18 primary schools in the common bond of Clonakilty Credit Union and the majority of these took part in the quiz.  It was a great fun day out and was enjoyed by pupils and parents alike.  The first place  winners in both Competition A and Competition B will go on  to represent us at the Cork Chapter Level of the Competition later in the year.    The results of the local quiz are as follows:

Results
Competition A:

First Gaelscoil Chloch na Caoillte Included in the photo are team members: Cián Mac Peake Erin Ní Riain Liam Ó Conchúir Féadha Ní Chaoimh
Second Rathbarry Included in the photo are team members: Nicholas O'Hea Shannon Kingston Lauren Kingston Fiona Scally
Third St Marys, Rosscarbery        Included in the photo are team members: Dearbhla Maguire Pia Barrett Fiona O'Callaghan Desmond Caroline Fitzpatrick

 

Competition B

First Timoleague Included in the photo are team members: Molly Henchion Karen Harte Ruadhán Fitzgerald Sarah Kelly
Second Ardfield Included in the photo are team members: Conor Ryan Jack Butler Marie Tobin Maeve Connolly
Third Gael Scoil Chloch na Coillte, Clonakilty Included in the photo are team members: Aisha Wright, Sorcha Backer, Rachel ní Mhaidín, Allanah ní Chruadhlaoich

Clonakilty Credit Union Sponsors Deirdre Hayes "Your a Star"


We were proud to sponsor Deirdre Hayes in her quest to become Irelands next Your a Star.   
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Sponsorship of St Patrick's Day Parade 2008


Clonakilty Credit Union is the main sponsor again for this years St Patrick's Day Parade.  The Parade is taking place on Monday the 17th March at 3pm.  The cheque was presented to the organisers of the Parade, Clonakilty Town Twinning Association.
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West Cork Credit Union Debating Competition.
The West Cork Credit Union Schools Debating Competition took place again this year. A list of the debates, teams and motions are outlined below:

1st Local Round: Clonakilty Community College V Mount St Michael, Rosscarbery
Motion "That Ireland is a great place to live".
Clonakilty Community College PROPOSED
Mount St Michael OPPOSED
Date: 30/11/2007
Clonakilty Community College were the winners.
Team Members: Clonakilty Community College - Garrett Boohig, Kate Wilson, Brús Pearse, Barry O'Hea.
Mount St Michael - Kevin Daly, Orla Hodnett, Norma O'Mahony, Rebecca Vickery.

2nd Local Round: Clonakilty Community College V Sacred Heart Secondary School.
Motion "That television is a positive influence on young people today".
Sacred Heart Secondary School PROPOSED
Clonakilty Community College OPPOSED
Sacred Heart Secondary School were the winners.
Team Members: Sacred Heart Secondary School-Niamh Tobin, Sinead O'Neill, Jade Hurley, Oonagh O'Donovan.
Clonakilty Community College- Garrett Boohig, Kate Wilson, Brús Pearse, Barry O'Hea.

Clonakilty Community College



Sacred Heart Secondary School



Quarter Final Stage:  Sacred Heart Secondary School V St Brogans, Bandon.
Motion " That the inconsistency of sentencing by the Judiciary is making a mockery of the law".
Sacred Heart Secondary School PROPOSED
St Brogans, Bandon OPPOSED
Teams: Sacred Heart Secondary School-Niamh Tobin, Sinead O'Neill, Jade Hurley, Oonagh O'Donovan.
St Brogans, Bandon- James Horgan, Rose Proctor, Rebecca Lawlor, Daniel Cronin.
Sacred Heart Secondary School were the winners.

The next round is the semi-final round and took place in early March between Mercy Heights, Skibbereen, and Sacred Heart Secondary School, Clonakilty.  The motion was "That the private lives of public figures should be open to media scrutiny". 
Mercy Heights  PROPOSED and Sacred Heart Secondary School  OPPOSED.
Mercy Heights, Skibbereen were victorious at this stage and faced Ard Scoil Beantrai  in the final on Wednesday the 9th April.  The motion for this debate was that "Ireland has nothing to fear from the Lisbon Treaty".   Bantry opposed the motion and were in what was a very tight debate.  Bantry were crowned the winners and received their prizes from Mr George Cantwell, Vice Chairman of Cork Chapter XI of Credit Unions.  Also in attendance was Mr Con O'Brien, Liaison office with the Irish League of Credit Unions who paid tribute to the Managers of the Credit Unions and their Board of Directors in West Cork who have supported and organised this successful competition for the past number of years.  He also paid a special tribute to the teams, their teachers and parents.  Mr O'Brien also had a vision  that the Debating Competition should become a national one and expressed that the Irish League of Credit Unions would be 100% behind any such endeavour. 
 

Winners in August 2008 Members Draw

 

Winners in April 2008 Members Draw
1st....  €10,000 ......Nora Kenneally, McCurtain Hill, Clonakilty
2nd.... €1,000........Sean O'Donovan, Templebrien North, Clonakilty
3rd......€500..........Carla Brown, Cashel, Leap
4th......€500..........George Doolan, Lisselane, Clonakilty
5th......€250..........Sharon O'Brien, Lackenalooha, Clonakilty
6th......€250..........Paula Dolan, The Pike, Clonakilty
7th......€250..........Mairead O'Regan, Park View, Clonakilty
8th......€250..........John Jennings, Desert House, Clonakilty

Poster Competition 2007/2008

"Credit Unions: 50 Years Serving Communities in Ireland". 

The time for the Annual Poster Competition is with us again.  The competition has been running for 22 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 2009.  

The Poster Competition closed on the 19th October 2007, and the results are listed below.  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 Thursday 22nd November 2007, for the prizewinners, 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.  . The 1st place winning posters went forward  to  CorkChapter level for judging and we had three first place winners at this stage, Katriona Kelly, Rosemarie Dullea, and Cope (group).      The winners of our local phase are listed below:

7 Years & Under
1st          Jamie Santry, Bealad National School
2nd         Rachel Whent, Bealad  National School
3rd          Carla Whent, Bealad  National School



8-10 Years
1st          Rosemarie Dullea, Bealad National School
2nd         Óige Scannell,  Bealad  National School
3rd          Shane Scannell, Bealad  National School

11-13 Years
1st          Greg Singleton, Clonakilty Community College
2nd         Jack O'Driscoll, Clonakilty Community College
3rd          Jack O'Donovan, Clonakilty Community College

14-17 Years
1st          Marie Louise Barrett, Sacred Heart Secondary School
2nd         Jennifer Allen, Sacred Heart Secondary School
3rd          Evelyn Flynn, Scared Heart Secondary School

18 Years & Over
1st          Katriona Kelly, Sacred Heart Secondary School
2nd         Claire Hayes, Sacred Heart Secondary School
3rd          Kate Clancy, Scared Heart Secondary School

Special Category Individual

1st          Ina Harte, Cope Foundation
2nd         Cal O'Mahony, Scoil na mBuachaillí, Clonakilty

Special Category Group
1st          Cope Foundation, Clogheen, Clonakilty
 

The Annual General Meeting of Muintir Clanna Caoilte Credit Union Limited will take place on Wednesday the 5th December 2007 in Fernhill House Hotel at 8pm sharp.  A bus shuttle service will run from O'Donovans Hotel, Pearse St, from 7.30pm and will return there again after the meeting. We look forward to seeing you there.

West Cork Credit Unions Schools Debating Competition
The West Cork Credit Union Schools Debating Competition took place again this year. A list of the debates, teams and motions are outlined below.  The final of the debate took place on Tues 29th May 2007 between Sacred Heart Secondary School, Clonakilty, and St Brogans, Bandon.  The winners were Sacred Heart Secondary School. 

Victorious Sacred Heart Secondary School



From Left to Right  Mary  Wycherley, Sheila Gilbert, (Teachers) Hazel Hurley, Amanda Coakley, Katie Benson , Ella Harrington, (Team) Marie O'Leary & Brian Hughes (representing Clonakilty Credit Union)

List of Debates, Motions and Teams;

First Round

Mount St Michael, Rosscarbery V Clonakilty Community College.
Motion: "That Nuclear Power is a viable resource"
Rosscarbery Opposed and Clonakilty Proposed.
Team Members for Rosscarbery included; Aoile Wilson (Capt.), Kate Hourihan, Joseph  O'Callaghan & Andrew Kirwan.
Team Members for Clonakilty consisted of; Chloe O'Donovan (Capt.), Peter Bevan, Michael Hayes & Valerie Lynch.

Winners were Clonakilty Community College.

Second Round

Clonakilty Community College V Sacred Heart Secondary School, Clonakilty.
Motion:"That Democracy should not be imposed on countries.
Clonakilty Community College Opposed and Sacred Heart Secondary School Proposed.
Team Members for Clonakilty Community College were; Valerie Lynch (Capt.), Peter Bevan, Michael Hayes & Chloe O'Donovan. 
Team Members for Sacred Heart Secondary School were; Katie Benson (Capt.), Ella Harrington, Hazel Hurley & Amanda Coakley.

Winners were Sacred Heart Secondary School

Third Round

Scared Heart Secondary School V Beara Community School
Motion: "That the countryside needs to be protected from modern development."
Sacred Heart Secondary School Opposed and Beara Community School Proposed.
Team Members for Sacred Heart Secondary School were; Katie Benson (Capt.), Ella Harrington, Hazel Hurley & Amanda Coakley.
Team Members for Beara were; Fiona Grace (Capt.), Rachel Sheehan, Nicole O'Shea & Lisa Sheehan.

Winners were Sacred Heart Secondary School.

Final Round

Sacred Heart Secondary School V St Brogans Bandon.
Motion: " That Ireland has priced itself out of the employment market". 
Sacred Heart Secondary School Opposed and St Brogans Proposed.

The winners were Sacred Heart Secondary School.

Tommy Fleming Concert

As part of the 40^th Anniversary Celebrations of Muintir Clanna Caoilte Credit Union Ltd., they organised and promoted a Tommy Fleming Concert in aid of the restoration of the Churches in the Parish. What an Exciting evenings entertainment was in prospect for over 1000 fans who gathered in Clonakilty Parish Church, for the Concert featuring the hugely popular tenor voiced Tommy Fleming who is currently packing full houses all over Ireland.  This was a sell out Concert in a splendid setting especially lit for the occasion.    Many candles decorated the altar creating a wonderful backdrop for the concert.  Tommy was accompanied on stage by three violinists and a cellist, while another member of the group, Derry Alan played the guitar and tin whistle. The musical director Dave played keyboard. Tommy’s opening number “From A Distance” set a very high standard which was maintained throughout the evening. Tommy’s renditions of popular classics from his repertoire such as “ Your Raise Me Up”(Brendan Graham), “Bright Blue Rose”(Jimmy McCarthy), “Bridge Over Troubled Water”(Paul Simon), “Hard Times”(Stephen Foster), “So Strong”, “Angel”, “You’ve Got A Friend”, and a specially arranged version by Tommy himself of “Danny Boy”, had the appreciative audience begging for more. 

Guest of honour on the night was the President of the Irish League of Credit Unions, Anne O’Byrne who earlier in the night made a presentation to the   five existing founding members of Muintir Clanna Caoilte Credit Union Ltd.  In commemorating the 40^th anniversary of the founding of the Credit Union movement in Clonakilty, Anne paid tribute to the courage and foresight of the people who studied and worked so hard against huge offs to provide people at that time with the means to save and thereby allow others to borrow.  Recipients were Rev Fr Tom O’Riordan PP Kilbrittain, Mr Ml McCarthy, Tawnies, Mr Dan O’Hea, Dunmore, Mr Donal O’Reilly, Mayfield, Cork, and Ms Kitty McCarthy, Garralacka who unfortunately was indisposed on the night. 
 

From Left To Right: Donal O'Reilly, Dan O'Hea, Anne O'Byrne President of ILCU, Rev Fr Tom O'Riordan, Michael McCarthy. 

Ms Marie O’Leary, Manager of Clonakilty Credit Union Ltd., presented Ms Anne O’Byrne with a framed photograph of local beauty spot the “Galley Head” by renowned photographer Mike Brown in appreciation of her attendance at the celebration.  Also present on the night were Rev. Mons. Leonard O’Brien, PPVG, Rev Fr E Collins, Rev Fr G Galvin, Lord Mayor Peter Walsh, Mr Ml O’Donovan, Chairman of Clonakilty Parish Council, and Superintendent Pat Maher. 

A grand sum of €25,523.82 was raised for the restoration fund.  The presentation of the proceeds of the fundraising was presented to Monsignor Leonard O’Brien at a function held in the premises of the Credit Union on Wed 7^th March 2007.  Monsignor O’Brien expressed his immense gratitude to the credit union for their very successful fundraising effort and commended Clonakilty Credit Union on their long tradition of community involvement.  He thanked everybody involved who made the concert such a success and wished Clonakilty Credit Union every continued success for the next 40 years.

A presentation on the night was also made to Clonakilty Town Twinning Association by way of sponsorship of the St Patrick’s Day Parade.  Mr Con O’Neill, Chairman of the Association accepted the cheque and thanked the Credit Union for their continued support of the St Patrick’s Day Parade, which was growing more and more successful each year thanks to the support of the sponsorship of the Credit Union.   

Mr Kevin Mullen, Chairman of Muintir Clanna Caoilte, made a presentation to founding member Kitty McCarthy, who had been unable to attend on the night of the concert, in recognition of her foresight and determination all those years ago when the credit union was in its infancy. Also in attendance was Mr Peter Walsh, Lord Mayor of Clonakilty who commended founding members and existing Board Members on their achievements and on their altruistic contribution to Clonakilty and its surrounding hinterland. Also in attendance at the function was Superintendent Maher, representatives of Clonakilty Parish Council, Padraig O’Reilly of the Red Cross, Councillor Cionnaith O’Suilleabhain, Board, Committee and Staff members of Clonakilty Credit Union, and representatives of the Clonakilty Town Twinning Association. Mr Kevin Mullen closed the ceremonies by thanking everyone who attended, and invited all present to partake in some light refreshments. 

Monsignor O'Brien receiving the proceeds of the fundraising from Marie O'Leary , Manager of Clonakilty Credit Union.  Also included in the photo are Mr Peter Walsh, Lord Mayor of Clonakilty, and Mr Kevin Mullen, Chairman of Clonakilty Credit Union Ltd.

Credit Union Primary Schools Quiz 2007
The Annual Credit Union Primary Schools Quiz took place on Sunday 28th of January 2007.  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 2006.
Competition B: Entrants must not have reached their 13th birthday on or before the 31st of December 2006.

There are 18 primary schools in the common bond of Clonakilty Credit Union and the majority of these took part in the quiz.  It was a great fun day out and was enjoyed by pupils and parents alike.  The first place  winners in both Competition A and Competition B will go on  to represent us at the Cork Chapter Level of the Competition later in the year.    The results of the local quiz are as follows:

Results
Competition A:

First Gaelscoil Chloch na Caoillte Included in the photo are team members: Ewan O'Cuarnain Colin O'Meaghair Aisha Wright Eoghan O'Deiseach
Second Knockskeagh, Clonakilty Included in the photo are team members: Roisin Marsden Eaman Barrett Cathal Nyhan Sean O'Sullivan
Third Ardfield          Included in the photo are team members: Jack Butler Niamh Leonard O'Reilly Maeve Connolly Conor Ryan

Competition B

First St Mary's National School, Rosscarbery Included in the photo are team members: Soumiya Rattali Ciara O'Gorman Elizabeth Boickmanicke Naomi O'Connell
Second Barryroe National School Included in the photo are team members: Barry Holland Paul Kelly Patricia O'Donovan Barry Lawton
Third St Josephs Girls National School, Clonakilty Included in the photo are team members: Madeline Files Muireann O'Sullivan Aoife O'Neill Catherine Johnson

Honoured Visitor From Australia

We were honoured to welcome Peter Creagan, Senior Manager Operations, New England Credit Union Ltd., Armidale, Australia to our Credit Union on Fri 4th Aug 2006.  Peter was visiting Ireland as part of a delegation who attended the World Council of Credit Unions Conference in Dublin from the 26-30 July 2006.  Nearly 1800 people from all over the world were in attendance at the conference.  It was great to meet credit union people from places such as the Gambia, Guatemala, Kenya, Canada and share with them the spirit and ethos  of Credit Unions which is the same the world over.

International Credit Union Day
19 October 2006
International Credit Union Day is a specific annual occasion calling attention to the impact of credit unions on the lives of millions of people. International Credit Union Day honours the gifts and achievements of the many pioneers who founded credit unions and their service groups. It is also important to pay tribute to the many people who today continue to demonstrate the commitment that is building new credit unions or sustaining and further developing existing savings and credit cooperatives.

The international day of observance brings people together to reflect upon their cooperative history, their credit union achievements and to promote the credit union idea across the world. Celebrations in different countries take place in many forms. For some credit unions, its time to fundraise for Movement causes, hold membership drives, launch youth campaigns and pay homage to the men and women who have dedicated their lives to credit union development. The theme for this years Credit Union Day is "Credit Unions; Making a World of Difference.  As part of the celebrations, we serve  our members refreshments and gifts throughout the day in honour of their importance to the credit union movement.

Members Enjoying Credit Union Day: Breeda Quirke, Frances McCarthy
Ellen O'Sullivan

Also, as part of our celebrations, a raffle was held for a mountain bike.  All members were entered, and Miss Emma McCarthy, Gullane, Clonakilty was the winner.

Winner of the Bicycle- Miss Emma McCarthy.

Poster Competition 2006/2007
The Poster Competition closed on the 20th October 2006. 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 Thursday 23rd November 2006, for the prizewinners, their teachers and parents.  A great time as had by all. We were fortunate this year that we had three first place prize-winners at the Cork chapter XI stage of the competition,  Ciara O'Mahony, Rosemarie Dullea & Daniel Condon.  Their posters will now go on the the next phase of the competition, the National Phase.  We wish them all the very best of luck.   The winners of our local phase are listed below:

7 Years & Under
1st          Ciara O'Mahony, Bealad National School
2nd         Orla Fahey, Timoleague National School
3rd          Elsa Harte, Timoleague  National School



8-10 Years
1st          Molly Henchion, Timoleague National School
2nd         Oige Scannell, Bealad National School
3rd         Rosemarie Dullea, Bealad National School



11-13 Years
1st          Sinead Houston, Timoleague National School
2nd         Mel Nirza, Scoil na mBuachaillí, Clonakilty
3rd         Quinn Unger, Scoil na mBuachaillí, Clonakilty



14-17 Years 
1st          David Healy, Clonakilty Community College
2nd         Daniel Condon, Clonakilty Community College
3rd         Denis Tobin, Clonakilty Community College



Special Category Individual
1st          Eoin O'Sullivan, Clonakilty Community College
2nd         Kevin O'Dwyer, Clonakilty Community College



Special Category Group
1st          COPE Foundation, Clogheen, Clonakilty



 

 The theme of this year's competition was  “Credit Unions: Making a World of Difference”

The Competition has been running for 21 years and caters for all ages with categories ranging from under 7 to over 18 years of age.  There is also a Special Category that caters for children and adults who may have learning, physical or mental disability.  The posters of all the national prize-winners will be featured in the Credit Union calendar for 2006.

Entry Forms were posted to all primary and secondary schools in the area, and a large number of entries were received.

Winners in October 2006 Members Draw
The Members Draw for October was held on Friday the 6th October 2006.  The first prize of a Toyota Car was won by Margaret Maguire, Rathbarry, Castlefreke, Clonakilty.  The other prize winners are listed below;
2nd €1000- Carol Hershman, Gullane, Clonakilty
3rd €500-Fachtna McCarthy, Castleventry, Rossmore
4th €500-Bridget O'Mahony, Fairfield Terrace, Clonakilty
5th €250-Beryl Boland, Whitethorn Park, Clonakilty
6th €250-John F Cullinane, Castlefreke
7th €250-Oliver Cullinane, Tawnies, Clonakilty
8th €250-Patrick O'Mahony, Ahafore, Timoleague

Winners in August 2006 Members Draw
The Members Draw for August was held on Friday the 4th August  2006.  The top prize of a Toyota Car was won by Kitty McDermott, McCurtain Hill,  Clonakilty.   A full list of other prize-winners is listed below:
Winners of  €250 each:-
Mary Walsh, Ahamonister, Timoleague
Rosemary O'Neill, Inchydoney
Pauline O'Regan, Ballymacowen
Carrie McCarthy, Chapel Hill, Timoleague
Donal O'Driscoll, Tawnies Crescent, Clonakilty
Mary O'Mahony, Mill Street, Timoleague

West Cork Credit Unions Debating Competition 2005
The West Cork Credit Unions are holding the Debating Competition for the third consecutive year.  The first round was a local round and will commenced  on Tuesday the 8th of November 2005.  The  competing teams in the first round were; the Sacred Heart Secondary School, Clonakilty and Mount St Michael Secondary School, Rosscarbery.  The motion for the debate was that "Money has destroyed the heart of Sport".  Sacred Heart Secondary School had home advantage and  proposed  the motion.   Sacred Heart Secondary School were named the winners.  They then  faced  Clonakilty Community College in the second round on Tuesday the 13th of December 2005. The Sacred Heart Secondary School  opposed  the motion and Clonakilty Community College  proposed.  The motion for this debate was that "Co-Education is better than single-sex education".  Clonakilty Community College were again victorious.  They then went on to represent us at the West Cork round of the competition.  This round  took  place on Tuesday 31st January 2006, against  Berehaven Community School.  The venue for the debate was Clonakilty Community College.  The motion for this debate was "that Irelands Refusal to accept economic refugees from underdeveloped countries is an insult to our emigrant history"  Clonakilty Community College  Proposed and Berehaven Community School Opposed the motion.  Clonakilty Community College were unanimously deemed the winners.  They then went on to the semi final to  meet Ballincollig Community School on Tues the 9th of May.  The motion for this debate was that "the Celtic Tiger has lost its stripes".  Clonakilty had home advantage and proposed the motion, and Ballincollig opposed it.  It was a great debate with some fantastic arguments on both sides, with Ballincollig being victorious on this occasion.  They met Dunmanway  in the final on Friday the 25th of May 2006. Dunmanway
were crowned the winners for the debating competition for this year.  Many thanks to all the adjudicators, teachers and pupils for their continued support throughout the competition.  We look forward to meeting them again this coming school year.
 
Clonakilty Community College (from left to right): Suzanne McCarthy, James Cullinane, Kathy Walsh (teacher), Ciaran Murphy and James Watton)

40 Years a Growing
Muintir Clanna Caoilte Credit Union Ltd. Celebrates 40 years. 1966-2006

A very special occasion to celebrate the 40th anniversary of Clonakilty Credit Union was held in the Credit Union on Monday 27th February 2006. Clonakilty Credit Union sprang from the active Community Council in 1966. At that time, all such groups nationwide were inspired by Canon Hayes and Muintir na Tire. A member of the neighbouring credit unions in Bandon and Skibbereen came to give the Clonakilty Muintir enthusiasts the benefit of their experience in setting up, as they had done a short time previously. The movement towards credit unions generally, was in its infancy in Ireland at that time. The first board of directors was elected at that meeting. They were interested in establishing a union in the area of influence of Clonakilty as their market town. They have never looked back. Theirs has been a story of progress all the way. The seed sown on that historic night has grown into a giant tree cherishing a huge membership in its seventeen local communities, from Courtmacsherry to Kilmacabea, and from Ardfield to Ballygurteen. All these communities were guests at Clonakilty Credit Unions 40th Anniversary launch and all had reason to celebrate because they were recipients of very valuable presents – vouchers for Shanahans Nurseries ranging in value from €500 to €1000. The vouchers were donated by Clonakilty Credit Union for the purchase of trees for planting in their respective communities. All seventeen communities have made huge strides in recent years in local development, expressed. We can expect more progress this year and subsequently as a result of these presentations.

Among the other distinguished guests at the party were Mr Barry Shanahan and his staff, who have supplied West Cork and further afield with trees and other garden materials for other garden material for several decades. Shanahans Nurseries will provide the trees for this Credit Union initative. Expect lots of planting in the Common Bond area of Clonakilty Credit Union in the coming weeks. Mr Kevin Mullen presided at the presentation and welcomed guests. He spoke suitable on the history and significance of the occasion. Particular emphasis was placed on the planting of trees, symbols of future growth. The past 40 years have seen brilliant progress on the part of Clonakilty Credit Union. The forward thinking of typified by the nights presentations said loud and clear that the best is yet to come.


Ardfield (from left to right): Barry Shanahan, Fachtna O'Callaghan, Dan Coughlan, Helena Deasy & Kevin Mullen.


Ballinascarthy (from left to right): Brian McCarthy, Betty Hennessy, Marie O'Leary & Barry Kingston


Rossmore (from left to right): John O'Sullivan, Barry Shanahan, Jer Collins, Karen Enright & Noel Young


Butlerstown (from left to right): Karen O'Regan, Michael O'Brien, Noreen Burke, Laurence O'Donovan & Barry Kingston


Clogagh (from left to right): Barry Shanahan, Nora McCarthy, Sinead McCarthy & Liam Santry


Clonakilty (from left to right): John Moloney, Noreen Minihane, Kate Deasy, Nena Ahern, Barry Kingston & Eileen Kingston


Lisavaird (from left to right):Barry Kingston, Derry McCarthy, Noreen Burke, Brendan Foley, Dan O'sullivan & Sinead McCarthy


Lislevane (from left to right): Barry Shanahan, John Madden, Helena Deasy, Sandra O'Hagan & Dan O'Sullivan


Owenahincha (from left to right): Barry Kingston, Tossy Hayes, Patrick Maguire, Karen Enright & Noel Tobin


Rathbarry (from left to right): Barry Kigston, Martin Barry, Marie O'Leary, Eugene Scally & John O'Sullivan


Reenascreena (from left to right): Barry Kingston, Ted Coakley, James Hayes, Kate Deasy & Noel Tobin


Ring ( from left to right): Barry Shanahan, Karen O'Regan, Eileen Sheppard, Mary Falvey & Eugene Brennan



Rosscarbery (from left to right): Barry Kingston, Padraig Kelly, Sinead McCarthy, Diarmuid Shanaha & Liam Santry


RossmorBarry Kingston, Marie O'Leary, Jer Collins & John O'Sullivan


Shannonvale (from left to right): Barry Kingston, Noel Tobin, Kitty Barrett, Kate Deasy & Louise Hackett


Timoleague (from left to right): Barry Shanahan, Percy Ryan, Marion O'Callaghan, Karen Enright & Noel Tobin


Clonakilty Town Twinning (from left to right): Jim Allis, Dell McCarthy, Marie O'Leary, Anthony McDermott, Michael O'Regan, Con O'Neill, Kevin Mullen & Marie Crowley

An Evening With Frank Clarke
As part of our 40th Anniversary Celebrations we held an  art demonstration evening  with renowned artist Frank Clarke.  Frank is of course better associated with the television programme "simply painting", and the success of this has been phenomenal.  This took place in Fernhill House Hotel on Friday 31st March 2006 at 8pm sharp.  Frank demonstrated how to paint a landscape with watercolours and a raffle for charity was held for the finished painting.  A magnificent 750 Euros was raised from the raffle and the painting was won by Annie O'Regan, Castlefreke, Clonakilty.


Annie O'Regan, Castlefreke,  Winner of the painting by Frank Clarke.

On Saturday the 1st of April 2006, again, courtesy of Clonakilty Credit Union, Frank held workshops for primary and secondary school students in our common bond.  Each student received an art pack, which contained materials, and an instructional DVD of Franks to take home with them. 

Winners in April 2006 Members Draw
The Members Draw for April  was held on Friday the 7th of April  2006.  The top prize of a Toyota Car was won by Joe Williamson, Scartagh, Clonakilty.   A full list of other prize-winners is listed below:
Winners of  €250 each:-
Daniel Jennings, Maulycorcoran, Clonakilty
Maire Mullen, 44 McCurtain Hill, Clonakilty
John O'Brien, Farmely House, Lislevane, Bandon
Eleanor O'Driscoll, Little Island, Ardfield
Mary Jean O'Brien, 3 Park Road, Clonakilty

Credit Union Primary Schools Quiz 2006
The Annual Credit Union Primary Schools Quiz took place on Sunday 5th of February 2006.  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 2005.
Competition B: Entrants must not have reached their 13th birthday on or before the 31st of December 2005.

There are 18 primary schools in the common bond of Clonakilty Credit Union and the majority of these took part in the quiz.  It was a great fun day out and was enjoyed by pupils and parents alike.  The first place  winners in both Competition A and Competition B went on to represent us at the Cork Chapter Level of the Competition on Sunday the 5th March 2006.  Rosscarbery came first in  Competition B and will now travel to the All Ireland Final on Sunday the 2nd of April in the RDS, Dublin.  We wish them all the very best of luck.  The results of the local quiz are as follows:

Results
Compteition A:

First Timoleague National School, Timoleague Included in the photo are team members: Jack Haigh Shauna McLoughlin Oisin Dowling Sarah Kelly
Second Rathbarry National School, Rathbarry Included in the photo are team members: Fintan McKahey Donal Lucey James Prunty Nicholas O'Hea
Third Gaelscoil Chloch na gCoillte, Cloch na gCoillte           Included in the photo are team members: Aisha Wright Ultan O Cathasaigh Sorcha Bakker Mark O Loinsigh

Competition B

First St Mary's National School, Rosscarbery Included in the photo are team members: Eimear Murphy Soumiya Rettali Megan Hayes Jessica Roberts
Second Clogagh National School, Clogagh Included in the photo are team members: Aidan O'Donovan Elaine O'Brien Zoe Mayes Ella Murray
Third St Josephs Girls National School, Clonakilty Included in the photo are team members: Holly Hughes Treasa O'Brien Grace Brennan Claire Benson

Winners in February 2006 Members Draw
The Members Draw for February was held on Friday the 3rd of February 2006.  The top prize of a Hyundai Car was won by Jane Roberts, Carrig Cliodna, Rosscarbery.   A full list of other prize-winners is listed below:
   €100 each went to:
1. Margaret Sutton, Assumption Place, Clonakilty
2. Fiona O'Brien, Carrigaline
3. Mary Fleming, Ballintemple
4. Mary O'Sullivan, Ballinascarthy
5. Timothy Callanan, Kilmeen
6. Michael Harte, Gullane
7. Sharon O'Driscoll, Lislevane, Bandon
8. Gearoid Hayes, Carrigaline

Winners in Decembers Members Draw 2005
The Members Draw for December was held on Friday the 2nd of December.  The top prize of a Hyundai Car was won by Patrick O'Sullivan, Ballinaffrin, Clonakilty.  A full list of other prize-winners is listed below:

1st   Car Patrick O’Sullivan, Ballinaffrin, Clonakilty
2nd  €500 Tim Dorgan, Assumption Place, Clonakilty
3rd   €500 Gerard Connolly, Corbally, Ardfield
4th   €500 Mary Mulcahy, 6 Park Rd, Clonakilty
5th   €500 Finbarr Coleman, 72 Tawnies Crescent, Clonakilty
6th   €250 Tadgh Murphy, Ring, Clonakilty
7th   €250 Mary Fleming, Ballintemple, Clonakilty
8th   €250 Peggy Knowles, Shannonvale, Clonakilty
9th   €250 Orla O’Donovan, c/o “Preggo”, Ashe St, Clonakilty
10th  €250 Marguerite Jennings, Castlefreke, Clonakilty
11th  €250 Gerard Harte, Richfordstown , Clonakilty
12th  €250 Elizabeth J O’Sullivan, Brittas Pines, Ardfield
13th  €250 Sr. Elizabeth P O’Byrne, Convent of Mercy, Clonakilty
 

Annual General Meeting 2005
The Annual General Meeting was held in Fernhill House Hotel on Wednesday 30th November at 8pm.  Over 200 members were in attendance.  A Dividend rate of 1.4% was agreed.  Tea and refreshments were served after the meeting.

Poster Competition 2005/2006
The standard of entry for this years competition was again very high.  There was a record number of entries.    A prize-giving ceremony for the winners was held in the Credit Union on Wednesday the 16th November 2005 at 3.30pm.  The winners in each category are as follows:

Poster Competition Results 2005

7 Years & Under:
1st    Darren Coakley Scoil Dhairbhre, Darrara, Clonakilty
2nd   Zoe Coakley Scoil Dhairbhre, Darrara, Clonakilty
3rd    Dylan Harrington Timoleague National School, Clonailty



8-10 Years
1st    Stephanie Byrnes Timoleague National School, Timoleague
2nd   Philip Poillot Scoil Dhairbhre, Darrara, Clonakilty
3rd   Paraic Nyhan Knockskeagh National School, Lyre, Clonakilty
3rd   Tadhg Downey Scoil na mBuachaillí, Chloich na Caoillte



11-13 Years
1st    Eoin O’Neill Scoil na mBuachaillí, Clonakilty
2nd   Clara Harte Timoleague National School, Timoleague
3rd   Mel Nirza Scoil na mBuachaillí, Clonakilty
3rd   Micheál Crowley Timoleague National School, Timoleague



14-17 Years
1st    James Watton Sacred Heart Secondary School, Clonakilty
2nd   Killian Coakley Sacred Heart Secondary School, Clonakilty
3rd   Naomi Smyth Sacred Heart Secondary School, Clonakilty



18 Years & Over
1st    Siobhán Housden Sacred Heart Secondary School, Clonakilty
2nd   Marian O’Driscoll Sacred Heart Secondary School, Clonakilty
3rd   Emma Ross Sacred Heart Secondary School, Clonakilty



Special Category Individual
1st    Cal O’Mahony Scoil na mBuachaillí, Chloich na Caoillte

Special Category Group
1st    COPE Foundation (Factory) Clogheen, Clonakilty



The time for the annual Poster Competition is with us again.  The Competition has been running for 20 years and caters for all ages with categories from under 7 to over 18 years of age.  There is also a Special Category that caters for children and adults who may have learning, physical or mental disability.  The posters of all the national prize-winners will be featured in the Credit Union Calendar for 2006. 
 The theme for this year's competition is: "Have You Got A Wish? (Credit Unions Can Make It Happen)". 
 Entry Forms are available from schools and also from the offices of the Credit Union, Kent Street.  Entry Forms may also be requested by email, and these will then be posted.

 The closing date for receipt of entries is Friday 21st October 2005. "Good Luck".

Credit Unions Sponsor a Personal Information Pack
 Emergency services across Ireland are set to benefit from the launch of a pioneering yet simple initiative, PIP, which will provide crucial information for emergency department staff in a medical crisis as well as peace of mind for those ‘at-risk’ in the community. Developed in partnership with Pfizer Healthcare Ireland, An Garda Siochana, Muintir Na Tire, the Heath Service Executive, the Fire Service and the West Cork, North Cork and East Kerry Credit Unions, the Personal Information Pack (PIP) is a portable and secure pack recording a person’s medical history. The PIP provides emergency staff with medical and personal information of the owner which could facilitate a rapid and more effective treatment.

The PIP was designed specifically for those ‘at-risk’ in the community in the event of a medical emergency which may require emergency department staff to have immediate access to a person’s medical information. The PIP is a container stored in the fridge with the medical history of the owner, which could include allergies or current medication regimes. Emergency workers including An Garda Siochana, the Fire and Ambulance Service have received training to recognise the green sticker which those with a PIP place on the back of their hall door and on the outside door of the fridge.

“The information contained in a PIP will prove itself invaluable to emergency personnel in the event of a medical emergency,” commented Sgt Eamonn Foley, Crime Prevention Officer, An Garda Siochana. “In addition to protecting the well-being of people who are vulnerable in the community, we must also strive to protect their health, we hope this provides people with peace of mind.”

Dr Stephen Cusack, A&E Consultant, Cork University Hospital commented, “Barriers to treatment can arise when a person is brought into A&E and there are no family members present or if we cannot identify or contact their local GP to ascertain crucial medical information. If we are immediately aware of what might have caused the emergency, whether it is a heart condition of otherwise, it would allow for more immediate and effective treatment.”

PIP is especially beneficial to the elderly, vulnerable or those living alone when an emergency arises which results in the holder being treated in their home or in hospital. PIP holders are encouraged to bring the pack with them for GP or hospital visits so and in the advent of medications changing, the updates are carried out immediately. “PIP is an extremely valuable initiative not least because it provides the holder with the peace and security that in the event of an emergency their doctor or the emergency department has instant access to crucial information.” Commented Ms Lorraine Dorgan, Assistant C.E.O. Age Action Ireland.

“With 13 Credit Unions supporting this project the launch of PIP affirms our commitment to the health and wellbeing of the community. We hope that the value of PIP is recognised and adopted across the country which could add a new dimension to emergency medical care in Ireland. The fast and effective treatment which could arise from PIP means we are giving peace of mind to the community,” commented Mr Finbarr Barry, representing the Credit Unions.
The Credit Unions supporting the project are Ballincollig, Bandon, Bantry, Berehaven, Clonakilty, Dunmanway, Kinsale, Skibbereen, Macroom, Millstreet, Newmarket, Kanturk and Rathmore.

More about PIP!
 PIP is a plastic container with an insert with relevant medical or personal information about the owner
 Information on the insert includes a person’s medication, allergies, next-of-kin etc
 The information is input by a health professional
 PIP comes with sticker to alert emergency services and is placed on the inside hall door and fridge
 A key ring is also provided to enable emergency staff to identify them easily
 PIP is being distributed to the elderly/vulnerable, person’s living alone and those ‘at-risk’
 PIP is being distributed via Garda Community Groups and Muintir na Tire and will eventually be available in GP surgeries and Pharmacies
 

International Credit Union Week Schools Quiz 2005
As part of the celebrations for International Credit Union Week, Cork Chapter of Credit Unions held a table quiz for Primary and Secondary Schools in the Rochestown Park Hotel on Sunday 23rd October.  We are delighted to announce that St Josephs Girls Primary School Clonakilty secured third prize in the Primary School Section of the competition and Clonakilty Community College secured second prize in the Secondary Schools Section of the competition.

Clonakilty Community College

From Left to Right: Noreen Linehan, (Social Committee Cork Chapter XI), Michael Hayes, Ethan O'Brien, (Clonakilty Community College), Brendan Quinn (Chairman Cork Chapter XI) Brendan Keohane, Denis O'Mahony (Clonakilty Community College)

St Joseph's Girls Primary School

From Left to Right: Helen Courtney (PRO Cork Chapter XI), Fionnula Crowley, Aimee O'Regan (St Joseph's Primary), Brendan Quinn (Chairman Cork Chapter XI), Ruby Murphy, Laura Ryan (St Josephs Primary).

Appointments 2005
Muintir Clanna Caoilte is pleased to announce the appointment of Ms Marie O'Leary as Manager and Ms Kate Deasy as Assistant Manager.

From Left to Right: Ms Marie O'Leary & Ms Kate Deasy

Graduation 2005

Kate Deasy, Assistant Manager receiving her Diploma in Credit Union Studies from University College Cork.

International Credit Union Day 2005
International Credit Union Day is a specific annual occasion calling attention to the impact of credit unions on the lives of millions of people. International Credit Union Day honours the gifts and achievements of the many pioneers who founded credit unions and their service groups. It is also important to pay tribute to the many people who today continue to demonstrate the commitment that is building new credit unions or sustaining and further developing existing savings and credit cooperatives.

The international day of observance brings people together to reflect upon their cooperative history, their credit union achievements and to promote the credit union idea across the world. Celebrations in different countries take place in many forms. For some credit unions, its time to fundraise for Movement causes, hold membership drives, launch youth campaigns and pay homage to the men and women who have dedicated their lives to credit union development.

Credit Unions: Members Make It Happen.. is the theme of this year's International Credit Union Day, and is celebrated on the 20th October 2005.  It brings people together to reflect upon their co-operative history, credit union achievements and to promote the credit union idea around the world.  We traditionally offer refreshments to all members who visit our  credit union office on this significant day.  It is a day of celebration, and of honouring the success of the credit union movement in Ireland and worldwide.  A great day  was had by all who visited the credit union and thank you to all our valued members for sharing in the celebrations with us.


Members of the Credit Union Enjoying The Celebrations on International Credit Union Day.

Cork 2005 Credit Union Residencies Programme
As part of Cork 2005 Credit Unions throughout Cork City and County have come together to create a unique initiative whereby artists in all disciplines can work together with local communities with and aim to create a necklace of exhibitions, plays and performances throughout the city and county. As a result of this an Irish artist , Pauline Agnew undertook a 6 month residency with a group of African and Caribbean Asylum Seekers currently being accommodated in Clonakilty. The result of this is a residency is public art project titled “Elsewhere”.

Members of the Asylum Seekers Involved in the Exhibition.
Also included are: Mr Brendan Quinn Chairman Cork Chapter XI of Credit Unions, Mr Peter Walsh Deputy Lord Mayor of Clonakilty and Catherine Atkinson Director of CREATE.

“Elsewhere” refers to the experience of being an asylum seeker in Ireland and also to the experience of a national identity influx as Ireland moves from being a mono-cultural to a mulit-cultural state. The result of this is a series of public context orientated exhibitions which will take place in and around Clonakilty from 1st -30th July 2005 and will consist of a series of 12 artworks which will be found in those initial meeting points between the outsider and the community, e.g. the shops, hotels, churches etc.

The official launch of this project took  place on Thursday 30th June 2005.  Those in attendance included Mr John Long, Director of the Irish League of Credit Unions, the Deputy Lord Mayor Mr Peter Walsh, and Urban and County Councillors were represented by Maura Cal McCarthy, Joe Coleman, Cionnaith O’Suilleabhain, Anthony McDermott and also Mr Donal O’Rourke. Also present were representatives of Clonakilty Business Association, Roy & Margaret Maguire Clonakilty Lodge, Pauline Agnew, Artist, Catherine Atkinson Director of CREATE, Chariman of Cork Chapter XI of Credit Unions Mr Brendan Quinn, and members of Cork Chapter XI Marketing Committee. Pauline Agnew, the artist involved in the project explained further the truly unique exhibition that is “Elsewhere”. Pauline has been based in West Cork for nearly two years now. An artist and a multimedia producer, she holds a degree in fine art from the National College of Art and Design and a Masters in Multimedia from the Dublin Institute of Technology. She explained that “this exhibition differs to typical art exhibitions in so far as that the art is situated in different venues throughout the town of Clonakilty, in those meeting places between the outsider and the community, e.g. the shops, churches, hotels etc. A map showing the locations of all the exhibits is available in the tourist office and in participating outlets. A comment/visitor book is available for signing in the offices of the Credit Union , Kent Street .” Pauline then thanked all those involved in the project, especially the 15 asylum seekers involved, without whom none of it would have been possible. She also paid special tribute to Roy & Margaret Maguire of Clonakilty Lodge who “do tremendous work on a day to day basis”, and to Clonakilty Credit Union who “provided much needed support to the project, administratively and financially at a crucial stage.”

Mr Kevin Mullen, Chairman of Clonakilty Credit Union, then went on to make a presentation of a Claddagh Necklace, symbolising the friendships that have built up throughout the project to the 15 asylum seekers involved. A presentation was also made to Pauline Agnew in recognition of the commitment she made to the project and of her unstinting belief in it at all times. Mr Kevin Mullen thanked all those involved for allowing Clonakilty Credit Union to be a part of such an exceptional event and invited everyone to enjoy the refreshments and entertainment available.

A truly multi-cultural evening had by all in Clonakilty Credit Union. The Asylum Seekers involved in the project attended in their bright and beautiful traditional costumes. They also prepared their own traditional food which was tasted and enjoyed by all.

SSIA Maturity
SSIA's (Special Savings Incentive Account) were commenced between 1st May 2001 and 30th April 2002.  The scheme is a five year savings scheme in which the Exchequer tops-up, by way of a tax credit, subscriptions made by an individual to his or her SSIA.  The maximum contribution is 254 Euros per month. The value of the Exchequer top-up is 25% of the subscription amount.  An SSIA matures at the end of a 61 month period.  While an individual is entitled to make monthly subscriptions to his/her SSIA for 60 months, maturity does not occur until the end of the 61st month.  The reason for this additional month is to give time for the financial institution to obtain the tax credit in respect of the subscription made in the 60th month.
There are two obligations on the SSIA holder at maturity:
1.  Each SSIA holder is obliged by law to make a declaration in order to mature his/her SSIA.  This declaration is made on an SSIA 4 form which will be forwarded to each SSIA Account holder at least 3 months prior to their SSIA Account maturing.  This must be signed, dated and returned to the financial institution by the account holder prior to the maturity date.
2.  Each individual is also obliged to pay tax at the rate of 23% on the income earned by the SSIA.  The financial institution will calculate the relevant liability and pay it to the Revenue on their behalf. 

A detailed list of commencement dates and maturity dates is outlined below. 
 

Cork Chapter XI of Credit Unions Holiday Competition
Cork Chapter XI of Credit Unions have again organised a competition to win 1000 Euro's in holiday spending money.  To enter you have to have drawn down a Holiday Loan in full during the competition period which runs  between the 1st May and 30th June 2005. There are two competitions: the first one will run from 1st May'05 to close of business on the 31st May 2005 and the second competition will run from June 1st 2005 to the close of business on the 30th June 2005.  Only one entry per member is permitted. A member of Clonakilty Credit Union, Jacqueline McCarthy, Tawnies Crescent, was fortunate to win the draw for May 2005.

Jacqueline McCarthy, Tawnies Crescent, Clonakilty.

Another Winner in Clonakilty Credit Union of €1,000.00 Holiday Spending Money in the Cork Chapter XI Sponsored Credit Unions Holiday Promotion

Doreen Huggins, Fairfield Terrace, Clonakilty.

West Cork Credit Unions Debating Competition
The seven Credit Unions in West Cork are holding  the secondary schools debating competition for the second year running. The competition has two phases: local and regional.  The local phase will involve second-level schools within each Credit Unions common bond competing against each other on a knock-out basis.  The winner from each of these local competitions will represent its area in the second phase, which will be the West Cork Phase.  This will also be conducted on a knock-out basis.

The first heat of the Clonakilty Credit Union Debating competition was held in the Sacred Heart Secondary School, Clonakilty,  on Thursday the 10th February 2005. The competing teams were Mount St Michael, Rosscarbery and the Sacred Heart Secondary School, Clonakilty.  The victors in this heat were Sacred Heart Secondary School, Clonakilty.  They went on to  meet Clonakilty Community College in the second local heat on Wednesday the 2nd March 2005.  The motion for this debate was :-"That West Cork is loosing it's Culture and Charm".  Sacred Heart Secondary School  opposed the debate and Mount St Michael proposed.  The winners were Sacred Heart Secondary School. They were due to meet Skibbereen in the next round,  but unfortunately Skibbereen  had to withdraw from the competition.  As a result of this,  Sacred Heart Secondary School  School went on to meet Ballincolling at the end of April, and were victorious at this stage of the competition also.  They then went on to meet Árdscoil Pobail Beanntraí in the final on Monday 9th May in the Parkway Hotel Dunmanway.  The motion for this final debate was that "Credit Unions are adequately meeting the needs of their communities", and Sacred Heart Secondary School, Clonakilty were opposing the motion.  In attendance on the night were newly elected President of the Irish League of Credit Unions and also  the first female President, Ann O'Byrne.  Also in attendance was Carmel Dowling, a League Director and Brendan Quinn, Chairman of the Cork Chapter XI of Credit Unions.  A large number of supporters, family, friends and teachers attended also.  To quote Dan McCarthy, Chairman of the Adjudicators, "it was a close debate, and unfortunately there has to be a winner and a runner-up".  Árdscoil Pobail Beanntraí were deemed to be the winners and they received the prizes of,  1000 Euros for their school, and 400 Euros for the team, plus a perpetual trophy.  Sacred Heart Secondary School were presented with silver cups as a memento of achieving runner-up.

Victorious Team Members of Sacred Heart Secondary School

Schools Quiz 2005
The Credit Unions Table Quiz for primary schools, was held in Fernhill House Hotel, on Sunday 6th Feb 2005. Two competitions were held as follows :-

Competition A - Entrants must not have reached their 11th birthday on or before 30th June 2005

First St Joseph's Primary Clonakilty (left to right) Muireann O'Sullivan Madeline Files Caroline Hayes Ciara McCarthy
Second Rathbarry National School Rathbarry (left to right) Fintan McKahey Dónal Lucey Alasdair Beattie Liam Manning
Third Darrara National School Darrara

Competition B - Entrants must not have reached their 13th birthday on or before 30th June 2005

First St Mary's National School Rosscarbery (left to right) Louise O'Donovan Edel Hayes Tara Maguire Eimear Murphy
Second St Molaga's National School Timolegue (left to right) Ian O'Sullivan Alyson Foryne Padraig Hayes Kate Fleming
Third Reenascreena National School Reenascreena (left to right) Laura Hill Cáit Mennis Dónal Dignan Mícheal O'Donovan

There was a great turnout for this event, with nearly 25 teams taking part. On the day, the atmosphere in the hall was one of great anticipation and excitement. It was great to see parents and siblings supporting the teams. The teams took their places at 3pm and some light refreshments were served to aid brain power! Although some of the questions proved to be quite challenging, all the teams still achieved high marks. Unfortunately though there has to be a winner.  Hearty congratulations to them. They will now go on to represent us at the next round of the quiz which will be held in the  Rochestown Park Hotel on Sunday 6th March '05. We wish them well, and remember its not about winning but about participating!!

Red Cross Tsunami Disaster Appeal Fund
A presentation for €32,287.62 was made by Imelda Tobin, Eileen O'Regan and friends to the Irish Red Cross Association in aid of the Tsunami Disaster Relief Fund.  This money was raised from the proceeds of a sponsored walk to Inchydoney, donations made to collection boxes in business premises and kind donations received from individual establishments.  The presentation was sponsored by Muintir Clanna Caoilte Credit Union Ltd., on the 8th February 2005.  Well done to all for supporting this very worthy cause.

Poster Competition Winners 2004
Muintir Clanna Caoilte Credit Union Ltd, wish to thank all who participated in our Poster Competition this year. We had a large number of entries and the standard was very high. All posters entered for the competition (apart from the winners) may be collected from the Credit Union Office between Wednesday the 10th November and Friday the 19th November 2004

Official Website Launch
Clonakilty Credit Union's new website was officially launched last Thursday, International Credit Union Day, by Mr. Bobby McVeigh, chairman of the world Council of Credit Unions.

Available 24 hours a day, 365 days a year the website will provide it's visitors with :-
- all the latest news and events
- details of competitions and winners
- information on exisitng and planned services
- and much, much more.

The purpose of the website is to enable us to better serve and inform our members. If there is something you would like to see on the site then please send us your feedback and we promise to consider it.

Credit Union Poster Competition 2004/20005
The closing date for entries has now passed. Thanks to all who participated this year and watch this space over the next few weeks for results.

The time for the Annual Poster Competition is with us again. The Competition has been running for 19 years and caters for all ages with categories ranging from under 7 to over 18 years of age. There is also a Special Category that caters for children and adults who may have a learning, physical or mental disability. The winning posters of all national prizewinners will be featured in the Credit Union Calendar in 2005.

Good Luck!

New One Year Loans
New one year loans are now being accepted and completed by this credit union. The one year rate of 7.99% applies to loans for any of the following only:

• Car Tax
• Car Insurance
• House Insurance
• Annual Sporting Fee e.g., gym/golf etc
• Annual Health Insurance premiums.

Proof for these one year loans is a requisite, prior to the loan application being taken and completed.
(Terms and Conditions Do Apply)

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