Capital Credit Union

Are you looking to borrow money from an institution that understands what you need and how you feel?

Look no further than Capital Credit Union! We aren’t just another financial institution; we are a collective of people like you run by people like you. Applying to be a member is easy, fast and comes along with a bunch of benefits for you.Join the family today.

What is the Capital Credit Union?

At Capital Credit Union we aim to help you get your finances back into shape. We are here to make a difference in the lives of our members. We were established in 1989 and are now one of the largest credit unions in the UK with almost 23,000 members.

How do credit unions operate?

A credit union is a financial co-operative meaning that all members of the union have to share a common bond, e.g.: working for the same employer. The members of the credit union also own the credit union in that a credit union is run democratically and can influence both the running and policies in the organization.

Members deposit their savings into the credit union and this pool of savings is used to offer long and short-term loans to members. The interest charged is the main income and money is returned to members in the form of a dividend.

At Credit Union, we offer a variety of financial services and products to our members including mortgages, fast loans, and savings options.

No matter what your financial needs are, you can trust us to help you out. After all, families look out for one another.

Getting personal with personal loans

Getting a loan can be a problem with traditional lenders and mainstream financial institutions but with us, we welcome all our members to apply. Whether you need a loan for something small like a new refrigerator or something larger like refurbishing the bathroom – we have an option for you.

Our personal loan options start at £500 up to £20,000 and are payable over periods from six months to five years. We offer fair and affordable interest rates based on the amount of money you borrow and the borrowing period.

Joint loans for joint decisions

With a joint loan, you can also borrow up to £20,000 from our credit union. You will not incur any start-up fees or early repayment fees of any kind with a joint loan. With a joint loan, both parties agree to pay off the full debt even if one of the parties is not able to do so.