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Real People

Real People

People you know own Cara Credit Union. They are local members, just like you. Together we have created a strong and vibrant community-based credit union to become the largest community based credit union in Munster.

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When you join Cara Credit Union you not only become a member, but also an owner of your local credit union.

You share your ownership with your community, neighbours, relatives and friends.

That is why you tell us that you feel “a strong sense of community spirit” and “pride” in supporting Tralee Credit Union.

You are the backbone of Cara Credit Union.

You join, you support our services, and through volunteering, you help us run your local credit union.

Non Profit Financial Co-Operative

We are a non profit financial co-operative serving the needs of our community.

As an owner, you enjoy shareholder benefits of getting a return on your Shares in the form of a dividend, as well as new products and services being available to you. In lending, you receive competitive interest rates.

Being a shareholder we encourage members to support all our services. The more services you use, the stronger the credit union becomes. Therefore, the stronger you become. 

Democratic Control

You tell us that we are “local”, “more people oriented” and that you “feel involved”. That is because as an owner and a member, you have a say in how we are run and in the services we offer you.

The best way to exercise your membership is to use our services and attend our Annual General Meeting in early December.

At our Annual General meeting, every member has one vote. Members get an opportunity to review our financial accounts, ask questions, vote on important matters and elect local members. These elected members will act on your behalf as voluntary directors and supervisors.

Download our 2017 Annual Report

Voluntary Board of Directors

Members just like you, volunteer their time and skills in the spirit of co-operation by becoming directors.

Directors are elected by members and are responsible in overseeing the control, direction and management of the affairs, funds and records of Cara Credit Union.

The Board are not involved in the day-to-day operational running of Cara Credit Union.

Chairman: Caroline Sugrue

Vice Chairman: John O’Connor

Secretary:Úna Galzier Farmer 

All correspondence to Cara Credit Union’s Board of Directors should be addressed to:

The Secretary, Cara Credit Union Ltd, 45-47 Ashe Street, Tralee, Co Kerry. Email:

The committees serving at present: Officers Committee, Credit Committee, Credit Control Committee, Marketing & Development Committee, Youth Committee, Investment Committee, Membership Committee and the Nominating Committee.

Download our 2017 Annual Report

Board Oversight Committee

Members also volunteer their services to sit on the Board Oversight Committee.

Just like our board of directors,  the Board Oversight Committee are elected by members to ensure all laws, regulations, policies and procedures are strictly adhered to by the Board, Management and Staff.

Management and Staff

The Board appoint full time Management and Staff to oversee all operations and serve the needs of our members on a daily basis.

You tell us that “time and care means a lot”, that our staff are “friendly”, “show concern”, are “helpful and approachable”, and that you “trust” us.

We are fortunate to have a dedicated team of staff who provide a confidential and personal service to our members.

All staff undergo continuous training and all have nationally recognised qualifications in the finance and credit union industry.

If you would like to contact a member of our team or department click here.

Become a Credit Union Volunteer

Cara Credit Union has dynamic and inspirational volunteers who give tirelessly of their time and commitment for the benefit of our members, the credit union and local community.

If you are interested in becoming a Credit Union Volunteer please download a Credit Union Volunteer Application Form here and return to the Nominating Committee, Cara Credit Union Ltd, 45-47 Ashe Street, Tralee, Co. Kerry or email

Irish League of Credit Unions

Like most credit unions in Ireland, Cara Credit Union is affiliated to the Irish League of Credit Unions (ILCU). The ILCU now represents the interest of nearly 500 credit unions in Ireland.

The ILCU aims to

  • Promote the credit union idea and ethos
  • Represent credit unions with Government, the EU and other agencies
  • Provide central services to credit unions
Chapter 23

The Irish League of Credit Unions divides the country into chapters for ease of administration.

Cara Credit Union is in Chapter 23 which covers 13 credit unions, all the credit unions in Kerry and two credit unions in West Limerick, Desmond Credit Union (Newcastle West) and Abbeyfeale Credit Union.

Each of the 12 credit unions has a board member to represent their own credit union at Chapter level. Cara Credit Union’s Chapter delegate attends Chapter meetings on our behalf.

Cara Credit Union Ltd. is regulated by the Central Bank of Ireland.
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