Terry was born on 11th December 1921, in Sundays Well, Cork, Ireland. At a young age, his family moved to the Mayors Walk in Waterford City.
His father John McEneaney was born in County Monaghan, Ireland and his Mother, Deborah Elizabeth McEneaney (nee St George) was born in Southsea, Portsmouth, England.
Terry's father served with the prison Service and his mother's family, the St Georges have a long connection with the Armed forces, with records indicating her father Edward St George serving twenty one years with the Royal Navy, on HMS Algiers in Corfu with engagement in China and other parts of the Empire.
Terry was the second youngest in a family of nine children. The eldest was May, born in 1905, Lilly in 1906, Jenny in 1907, John in 1910, Joise in 1914, Catherine in 1916, Eva in 1918, Terry in 1921 and the youngest Patrick in 1923.
Terry was educated at Mount Sion College, Waterford. He joined the RAF in 1941 with his Civil occupation registered as a Student.