Capital Credit Union

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Capital Credit Union Ethical, member-owned banking for the UK. Savings, loans and mortgages from a credit union that puts members before shareholders. Est. Edinburgh, 1989.
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We're a passionate and award-winning community-owned bank with a volunteer Board who prioritise members over profit. Covering Scotland's North East, Central, East and Borders regions, we help people by getting them into the habit of saving or accessing affordable loans. When you join CCU you become a member, not a customer. Your membership gives you a vote in how things are done and any profits are invested straight back into the Credit Union to keep interest rates on loans and savings competitive. We're the largest credit union in the East of Scotland with over 31,000 members. Membership is open to anyone living or working in Moray, Aberdeenshire, Aberdeen, Angus, Dundee, Perth & Kinross, Fife, Clackmannanshire, Stirling, Falkirk, West Lothian, Edinburgh, East Lothian, Midlothian and Scottish Borders. CCU encourages financial inclusion by providing banking facilities and credit to people that may have been refused elsewhere. Our aim is to encourage people to be responsible lenders and also kick start a saving mentality to allow our members to take control of their finances.

30/10/2026

Member notice: our banking provider currently has an issue affecting the Capital Credit Union app on iPhone, linked to the recent iOS 27.2 update.

They’re working to fix it.

In the meantime, online banking is available as normal at https://eu1.hubs.ly/H0zxGLS0. We’re sorry for any inconvenience.

That end-of-the-month feeling when you’d rather not open your banking app 👻Saving doesn’t have to be scary. We’ve picked...
30/10/2026

That end-of-the-month feeling when you’d rather not open your banking app 👻

Saving doesn’t have to be scary. We’ve picked five of the most common savings worries, with a simple fix for each. One of them is the ghost subscriptions you forgot you were paying for.

https://eu1.hubs.ly/H0zs0Y50

Membership eligibility criteria apply. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per member.

Every home has a list of jobs that keep getting pushed to next year 🔨"Thanks to capital credit unions loan I was able to...
27/10/2026

Every home has a list of jobs that keep getting pushed to next year 🔨

"Thanks to capital credit unions loan I was able to get much needed home updates done"
Mikiee, via Smart Money People

Home improvement loans: https://eu1.hubs.ly/H0yZHkx0

All loans are subject to credit assessment and affordability checks. Membership eligibility criteria apply.

Saving is easy to plan and easy to skip."Fantastic way to save money, you don't need to think about it... the great thin...
22/10/2026

Saving is easy to plan and easy to skip.

"Fantastic way to save money, you don't need to think about it... the great thing is you always get a surprise to see how much you have saved."
Linda, via Smart Money People

With payroll saving, the amount you choose is saved before you see it, so there's nothing to remember 👀

https://eu1.hubs.ly/H0yZH9X0

Available through select employer partners. Membership eligibility criteria apply. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per member.

A loan's a big decision. It helps when someone talks you through it properly 🤝"...when I spoke to them they were polite,...
20/10/2026

A loan's a big decision. It helps when someone talks you through it properly 🤝

"...when I spoke to them they were polite, Friendly and informative. They made it so easy to understand everything from start to finish and their after care is brilliant."
Paul, via Smart Money People

Personal loans: https://eu1.hubs.ly/H0yZGpT0

All loans are subject to credit assessment and affordability checks. Membership eligibility criteria apply.

15/10/2026

What's actually different about a credit union? We asked the team.

Happy International Credit Union Day.

https://eu1.hubs.ly/H0yZKm00



All loans are subject to credit assessment and affordability checks. Membership eligibility criteria apply. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per member.

Happy International Credit Union Day from all of us 💙Credit unions are owned by the people who use them, here and around...
15/10/2026

Happy International Credit Union Day from all of us 💙

Credit unions are owned by the people who use them, here and around the world. Thanks for being part of ours.

https://eu1.hubs.ly/H0z6jXg0

It's International Credit Union Day 💙First drives. First games. Warm houses. Savings that quietly add up.For 36,000 peop...
15/10/2026

It's International Credit Union Day 💙

First drives. First games. Warm houses. Savings that quietly add up.

For 36,000 people, Capital Credit Union is part of moments like these. And every one of them owns a share of it, with an equal say in how it's run. Any profit we make goes back to members, never to shareholders.

Thank you for being one of them.

https://eu1.hubs.ly/H0yZFtC0

"Been a member for 35 years I use it to pay for our family holidays it comes off my wages and after the first couple of ...
13/10/2026

"Been a member for 35 years I use it to pay for our family holidays it comes off my wages and after the first couple of months you don't miss it..."
George, via Smart Money People

That's payroll saving ☀️ You choose an amount, we arrange it with your employer, and it's saved before your pay reaches your bank.

See if your employer is a partner: https://eu1.hubs.ly/H0yZYPP0

Available through select employer partners. Membership eligibility criteria apply. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per http://https://eu1.hubs.ly/H0yZYPQ0ly for

24/09/2026

Nick's saving tip: don't buy anything you don't need.

Also Nick: bought a jacket nine months ago and it's still in his work locker so his wife doesn't find out 😂

The rest of the team's tips tomorrow.

Have a look at our savings accounts:
https://eu1.hubs.ly/H0yB2G40


Membership eligibility criteria apply. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per member.

Address

31 Dunedin Street
Edinburgh
EH74JG

Opening Hours

Monday 10am - 4pm
Tuesday 10am - 4pm
Wednesday 10am - 4pm
Thursday 10am - 4pm
Friday 10am - 3pm

Telephone

+441312259901

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