Capital Credit Union

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.

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 ar

e 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.

Credit unions are about more than savings and loans.Every new member strengthens the cooperative. Every saver helps buil...
22/06/2026

Credit unions are about more than savings and loans.

Every new member strengthens the cooperative. Every saver helps build financial resilience. Every responsible loan helps someone achieve their goals.

Together, these small actions create a bigger impact, supporting individuals, families and communities across the country.

That's the credit union difference.

18/06/2026

ℹ️ Due to essential maintenance, our telephone lines will be closed on Wednesday 24th June 2026.

You can, however, still contact us as normal via email at [email protected] and by secure message.

We apologise for any inconvenience this necessary work may cause.

As a reminder, our annual business continuity test will take place on Saturday 20th June 2026. During this time, our digital banking applications will be unavailable between 8:30am and 4:00pm.

The choices we make today often shape the opportunities we have tomorrow.A small act of kindness, a new habit, a positiv...
08/06/2026

The choices we make today often shape the opportunities we have tomorrow.

A small act of kindness, a new habit, a positive decision, or simply showing up and giving your best effort can have a bigger impact than you realise.

As a new week begins, focus on progress rather than perfection. Keep moving forward, one step at a time.

Have a great week ahead.

The May 2026 Members Lottery results are here! 🎉A huge congratulations to our £3,000 jackpot winner and all our £500 and...
04/06/2026

The May 2026 Members Lottery results are here! 🎉

A huge congratulations to our £3,000 jackpot winner and all our £500 and £100 prize winners this month.

Every £1 entry supports our community fund while giving you the chance to win big. Could you be next month's winner?

See all the winners:
https://eu1.hubs.ly/H0vVvW80

Behind every savings account, loan, and payroll deduction is a real person, a real family, and a real story.That’s why c...
01/06/2026

Behind every savings account, loan, and payroll deduction is a real person, a real family, and a real story.

That’s why credit unions continue to matter.

Not because they are the biggest.
Because they care the most.

We've reached 35,000 members. 🎉That's 35,000 people who've chosen Capital Credit Union for their savings, loans, and eve...
27/05/2026

We've reached 35,000 members. 🎉

That's 35,000 people who've chosen Capital Credit Union for their savings, loans, and everyday banking. We don't take that trust lightly.

Thank you for being part of what we do. Here's to the next chapter.

In a world that moves fast, credit unions still make time for people.Real conversations.Real support.Real communities.Fr...
25/05/2026

In a world that moves fast, credit unions still make time for people.

Real conversations.
Real support.
Real communities.

From helping families save, to supporting members through difficult times, credit unions continue to prove that finance can still have a human side.

That’s something worth being proud of this Monday.

At our credit union, every saver, every borrower, and every member matters. Whether you’re building a rainy day fund, pl...
11/05/2026

At our credit union, every saver, every borrower, and every member matters. Whether you’re building a rainy day fund, planning something special, or simply trying to stay on top of everyday life, we’re here to support your journey every step of the way.

Small goals grow into big achievements when you have the right support behind you. That’s the power of people helping people. 🙌

Can YOU spot the imposter? 👀Hibs stars Rocky Bushiri, Jack Iredale, Felix Passlack and Owen Elding take on the Imposter ...
08/05/2026

Can YOU spot the imposter? 👀

Hibs stars Rocky Bushiri, Jack Iredale, Felix Passlack and Owen Elding take on the Imposter Challenge, and it's a good one.

Give it a watch, and share with the Hibs fan in your life 💚

👉

Rocky Bushiri, Jack Iredale, Felix Passlack and Owen Elding take on the Imposter Challenge!Brought to you by Capital Credit Union.

There’s something different about a place that puts people before profit.Where every decision is made with real lives in...
24/04/2026

There’s something different about a place that puts people before profit.

Where every decision is made with real lives in mind.
Where support isn’t a service… it’s a responsibility.

Credit unions aren’t here to sell.
They’re here to stand beside you.

And that’s what continues to make the difference, every single day.

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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