Instant Access Savings Account

Instant access to your savings... and to all our other services.

Join Capital Credit Union and save if you can, when you can, with an Instant Access Savings account.

Save as little or as much as you like

Attract a dividend *

Free savings insurance **

The Instant Access Savings account is our main savings account, required by all members of the credit union. You must keep £1 in this account to retain your membership of Capital Credit Union. However, regular payment requirements can be waived for members who pay regularly into a Capital Cash ISA or a Premier Savings account.
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Learn more about how savings work.

If you have registered for online banking, you can login and submit a withdrawal or transfer of savings request online.  You can also call the Member Enquiry Line on 0131 225 9901 or complete a paper request form and post or hand it in to the Capital Credit Union office.

Yes, provided you meet the minimum requirements for membership and an individual savings account, you may amend the amount you are paying in at any time.  If you are registered for online banking you can submit your amendment request online.  You can also call the Member Enquiry Line on 0131 225 9901 and we can take your request over the phone.  Paper request forms can also be posted or handed in to the Capital Credit Union office.  Please note, for some of our sponsoring employers, we will require a signed form prior to be able to action your request.  We will contact you if this is the case.

If you work for one of our select partner employers, you would pay in to your Capital Credit Union savings account(s) directly from your wages or salary each pay day via payroll deduction.  The credit union organises this with your employer. Your employer will know the full amount of your payment to the credit union, however, they will not have any specific information as to what account or accounts the funds are going to.  If you do not work for one of our sponsoring employers, we have Direct Debit facilities in place.  For Direct Debits, you can choose your payment frequency and your preferred payment day or date.

Yes, we can accept deposits by cheque and by debit card.  Please make cheques payable to ‘Capital Credit Union’ and ensure you write your name, member number and details of the account(s) you wish the additional funds to go to clearly on the back of the cheque.  To make a debit card payment, please login to online banking, call the Member Enquiry Line on 0131 225 9901 or visit the credit union office.

Credit Unions, like other UK financial organisations are members of the Financial Services Compensation Scheme.  This provides a safety net should a bank, building society or credit union collapse.  Further information on the scheme and the level of cover provided can be found here

As an added benefit of membership, Capital Credit Union currently provides free life savings insurance for its members up until their 80th birthday.  Further information on the insurance and the level of cover provided can be found here.

Capital Credit Union is committed to helping our members create a better financial future.  All members are required to save a minimum of £3 per week /£15 per month or equivalent.

You can find our savings terms & conditions here

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