Banking that
works for you,
not the bank.
Join 36,000+ members saving smarter and borrowing with a credit union that puts you first. Member-owned, not shareholder-driven.
Membership eligibility criteria apply.
Not a bank.
Something better.
Capital Credit Union is a member-owned financial cooperative. Every penny of surplus is reinvested into better rates and services for members, not paid out to shareholders.
We have been helping people borrow with confidence, save consistently, and plan for the future for over 25 years. As a cooperative, every member has an equal voice in how we are run.
Built around you,
not profit.
Member-owned
You are not a customer. You are an owner. Every member has an equal voice, and profits stay in the credit union to benefit you.
People-led lending
As a credit union, our lending decisions are made by people who genuinely want to help our members.
No hidden charges
No early repayment penalties, no surprise fees on loans or memberships. Mortgages may carry arrangement fees, which are always disclosed upfront.
Built-in savings habit
Every loan comes with a small savings element alongside your repayments, so you finish your loan with a nest egg already growing.
Real people, not bots
Our team are based in the UK and pick up the phone. Rated 4.94 out of 5 by members on Smart Money People.
Manage it all in the app
Savings, loans and mortgages in one place. Available on iOS and Android, with instant statements and transfers.
Proud to be shortlisted.
Recognised alongside the best credit unions in the country, a reflection of what our members already know.
Your finances,
in your pocket.
Manage your savings, loans and your mortgage from anywhere. Free on iOS and Android.
Transfers & payments
Request withdrawals and manage payments between your accounts with ease.
Balances & statements
See savings growth, loan balances and download statements on demand.
Biometric security
Face ID and fingerprint login. Fast, secure and always in your control.
Ready to bank ethically?
Join in minutes. No monthly membership fees. Honest financial services built around real people.
Membership eligibility criteria apply. Your home may be repossessed if you do not keep up repayments on your mortgage. Savings protected up to £120,000 by the FSCS.