Money, explained.
Plain-English guides to saving, borrowing and the everyday stuff in between, plus news from Capital.
“Shop ‘Til You Drop – It’s the Best Way to Save!”
Happy April 1st! You might have heard the saying “shop ‘til you drop” or “retail therapy” as fun excuses to indulge in shopping sprees, but let’s…
Latest posts
Everyday Money
Budgeting and spending
“Shop ‘Til You Drop – It’s the Best Way to Save!”
Happy April 1st! You might have heard the saying “shop ‘til you drop” or “retail therapy” as fun excuses to indulge in shopping sprees, but let’s…
5 Tips to Declutter Your Finances This Spring
Spring is the perfect time to tidy up your finances and set yourself up for a brighter future. A financial spring clean can help you take control and…
6 Creative Ways to Save Money and Boost Your Bank Balance
Saving money doesn’t have to mean sacrificing fun or comfort. By making small, simple changes to your daily habits, you can build your savings…
3 Unique Budgeting Strategies to Grow Your Money
The cost of living crisis has many of us more careful with our spending habits. The surge in food and energy prices has forced us to make lifestyle…
8 Top Tips to Get the Best Black Friday Deals
During Black Friday there are two types of people… Those that purchase items they wanted anyway but with an irresistible discount. And those that…
5 Saving Tips to Start 2022 Financially Stronger
The new year has arrived and we’re all starting to make plans for 2022. While the current pandemic has brought uncertainty, every person strives for…
Jargon Buster: Simplifying Financial Terms
Is the fact that you don’t understand financial lingo holding you back? Are you confused by financial terms when applying for a loan? Let’s explore…
Cool Down Your Energy Bills with Our 7 Best Saving Tips
With energy prices set to rise in the UK, many of us are starting to feel the heat. According to the industry regulator, Ofgem, families should…
12 Money Tips This Christmas
With the shorter days and colder weather setting in, people’s focus is starting to shift to Christmas. Managing your money over this festive period…
5 Steps to Creating a Budget
Ah, the dreaded budget. So many of us avoid creating one. It’s scary to write down all of our outgoing expenses and face reality. Sometimes we just…
Benefits Calculator | What Are You Entitled to?
If you’re one of the low income households not getting the help you’re entitled to, then use our Benefits Calculator to find out what you could…
Savings
ISAs and growing your money
ISAs Explained: How to Save and Invest Tax-Free
Saving and investing wisely can make a big difference to your financial future, and an Individual Savings Account (ISA) is one of the best ways to do…
The Benefits of Payroll Saving | The Scotmid Scoop (Podcast Transcript)
In this episode of The Scotmid Scoop, Marlene Shiels, CEO of Capital Credit Union, and Colin Thomson, Head of Growth Marketing, discuss the benefits…
Brighten Your Financial Future – Build a Rainy Day Fund to Weather Financial Storms
Small savings can pave the way to big dreams and help you stay debt-free. According to a report from UK Savings Week, maintaining a regular savings…
Save Your Way: Tailored Solutions for Every Saver’s Personality
Financial wellbeing is not a one-size-fits-all concept. We celebrate the diversity in our members’ financial habits and goals. From the savvy…
Pay Yourself First: Automating the Savings Process
We all agree that saving is beneficial, so why is it so hard to commit to? Maybe it’s because most budgets are built around your expenses. After…
Borrowing
Loans and managing debt
Navigating the Best Car Finance Options in 2023
When it comes to financing your car in the UK, it can feel like you’re trying to navigate a minefield – especially if you’re not a financial wizard…
How to Improve Your Credit Score
Your credit score is one of the most important measures of your financial health. We explore what it is, why you should improve it, and how to get…
The Truth About Protected Trust Deeds
Let’s debunk a few myths about Protected Trust Deeds (PTDs) and it’s important that we do. They are not a free ride to get rid of debt and stop your…
Our CEO Discusses Personal Debt & Solutions Available | Interview
We’ve interviewed our CEO, Marlene Shiels, to discuss personal debt and the solutions available to those who need help. This is the first of a series…
Staying Safe
Scams and fraud
How to Protect Yourself Online
Fraudsters are using the coronavirus pandemic as an opportunity to scam us out of our hard-earned savings. Scams involving email, websites, phone…
Stay Safe from Cloning Scams
While you’re being careful to stop the spread of Covid-19, don’t forget to protect your finances, as there has been an increase in scams during the…
Be Vigilant Against Fraudsters
(Guest Author – CCU Member) Let’s face it – they simply want your money. Scams and fraud are on the increase and we seem to be bombarded by…
Wellbeing
Money and life events
Surviving the Loan Shark Epidemic: How to Protect Yourself and Your Wallet
In the face of an escalating cost-of-living crisis, it’s crucial to confront the challenges that lie beneath the surface. Among the pressing concerns…
3 Ways to Build Financial Wellbeing
Financial wellbeing is about having security and freedom of choice. It’s when you feel in control of your finances and can handle what life throws at…
5 Essential Working from Home Tips
Over the last year, many of us have been faced with an unusual challenge: working from home for the first time. We’ve enjoyed some perks (bye bye…
News
Updates from Capital
The Human Touch: Why Credit Unions Matter More Than Ever
In a world dominated by large financial institutions and digital banking, the humble credit union has often been overlooked. We had the pleasure of…
Cycling UK and CCU Bring the Joy of Cycling to Everyone
The wind in your hair, the healthy pump in your legs, and the thrill of being in control of your speedy, free-to-run, machine – the joy of cycling is…
CCU Voted Best Credit Union North
We have scooped the top prize in a prestigious UK-wide consumer awards scheme, and we couldn’t be prouder! CCU was voted Best Credit Union (North) in…
A Brief History of Credit Unions
With International Credit Union Day 2021 fast approaching (21 October!), we wanted to take you on a journey from the humble beginnings of the credit…
We’ve moved into our new headquarters!
New address: 31 Dunedin Street, Edinburgh, EH7 4JG Our purpose-based space is bigger and brighter with more convenient parking. You’ll enjoy our…
CCU Support Those in Need This Christmas
Helping others gives Christmas meaning to us.We’re dazzled by expensive gifts and fancy decorations so this is often forgotten about.That’s why our…
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