Our Credit Union offers a number of services to the members.

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Latest News

14 Mar 2021

Student Loans

Get set for college. Apply for a student loan today with our Low Interest Rate of 6.5 % APR.

15 Mar 2021

Simple Way To Lodge Money

The protection of our members & staff are of the utmost importance to us. We are now providing envelopes to make it easier for our members to lodge money without having to come into the office.

16 Mar 2021

Instructions for Online Access

Visit www.swillymulroycu.ie on a laptop or computer and go to LOGIN on the top right corner of the website.      

17 Mar 2021

Information on COVID 19 Preparations

Due to the ongoing COVID 19 situation we wish to reassure members that we will continue to provide our services as long as is practically possible.

17 Mar 2021

Important Notice To All Members

During the present Emergency, Cash Withdrawals will be limited to €500.00 per member, per week. This is to ensure that we can meet the cash needs of all our members during this crisis.

Common Bond

What is the Common Bond?

The common bond is the factor which unites the members of a Credit Union together i.e. those living in the same area may join a credit union. It defines the area in which a credit union can operate. The common bond ensures that the savings of members of the community are available to fellow members as loans.

You are eligible to become a member of Swilly Mulroy Credit Union if you live in the Common Bond. Our Common Bond centers on the parishes of Fanad, Milford, Kerrykeel and Rathmullan.

The common bond is essentially people doing it for themselves. It demonstrates effectively how a credit union is a credit co-operative with members working together to achieve a better life for themselves.

Because of the common bond, all members have the good of their credit union at heart; they know and trust each other. The common bond ensures that the savings of members are available to fellow members as loans. It also enables credit judgements to be made on character and personal record as well as on a commercial risk factor.