About Us

An introduction to the world of credit unions and Capital Credit Union.

Like all credit unions worldwide, Capital Credit Union is a member owned, community based, financial organisation. People are at the core of everything that we do. Our members are our owners. They are the reason we exist and they count on us to understand their needs and to work in their best interests.

Our Mission

We’re a passionate and award-winning community-owned bank with a volunteer Board who prioritise members over profit. At the heart of the Scottish community 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.

About CCU

Capital Credit Union was established in June 1989 and is one of the largest credit unions in the UK, with over 29,000 members, and assets of £42million. Offering a range of ethical financial services, membership is open to anyone living or working in Scotland’s North East, Central, East and Borders regions, employed by one of our Select Partners or a member of a bona fide organisation.

As a financial co-operative, anyone who opens a savings account with us becomes a member of the credit union. Full membership begins at age 16 with junior memberships also available.

Our Directors

CCU has a committed and dedicated volunteer Board of Directors, responsible for governing the credit union, shaping the strategic direction of the organisation and managing its long term development and success. All Directors are members of the credit union, elected by the membership at the Annual General Meeting for a three year term.

The day to day management of the credit union is delegated to the Chief Executive and the Senior Management Team by our Board:

Our Staff

Capital Credit Union is committed to a balanced workforce and gender diversity. The Credit Union will endeavour to ensure that we maintain certain standards which includes a commitment to ensuring our Senior Management Team will have, as a minimum, an equal balance of men and women.  2 members of the Senior Management Team are women.

The day to day running of the credit union is the responsibility of Chief Executive Marlene Shiels and the Senior Management Team, who are all committed to providing the highest levels of service in an efficient, professional and friendly manner.


We’re proud to be a member of the Building Societies Association.


A free service provided by the Money & Pensions Service (MaPS) aimed at giving you impartial help and making your money and pension choices clearer.

Our senior management team:
Valuable Experience
With a wide range of valuable experience and expertise, the team are always on hand to provide any help and assistance required by our members and are also involved in the development of new and improved products and services.

All board members and staff adhere to a set of rules as prescribed by the Financial Conduct Authority.

Those rules are:

What makes us different?

Our members can save, borrow, use online banking – even take out their mortgage with us. However, unlike banks, we’re not-for-profit. That means we’re completely owned by our members, with no external shareholders.

We build wealth rather than debt because our members save a minimum of £15 a month, and any profits we make go right back into the credit union.

*excluding mortgages and Fast Track Loan  ** terms and conditions apply

YOU benefit

The only person who benefits from a credit union… is you.

If you live or work in East of Scotland, employed by one of our Select Partners or a member of Community Trade Union, you’re eligible to become a member of Capital Credit Union.

Credit unions are for everyone. Why not join?

Complaints

If you have a complaint…

We’re committed to providing an excellent member service. We strive to ensure our service standard meets your expectations. If you’re not satisfied with the service level we provide we want to know so we can make sure it doesn’t happen again.

Important Information

For information on how your personal information is used by Capital Credit Union please visit our dedicated page:
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