The common bond is the factor which unites the members of a Credit Union together i.e. those living or working 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. 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.

To become a member you must be resident or employed in the areas of Ennis, Doora, Dangan, Quin, Ballyblood, Tulla, Kiltannon, Newgrove, Rathclooney, Toberbreeda, Caher, Crusheen, Clooney, Kilraghtis, Spancil Hill, Templemaley, Ruan, Muckanagh, Corofin, Kilnaboy, Rath, Dysert, Kilnamona, Killannin, Kanturk, Clondegad, Kilmihil, Cranny/Coolmeen, Kilmurry McMahon, Kildysart, Clarecastle, Newmarket-on Fergus, Ballyea, Silvergrove, Portdrine, Derrynaveagh, Rathlaheen South and Shannon.