about us

Capital Credit Union is a financial services co-operative, owned by our members and run to meet our members' financial needs

Capital Credit Union’s Core Values

As part of the strategic planning process, the credit union team took the opportunity to re-affirm our core values of accountability, caring, integrity, social responsibility, fairness and transparency.
Accountability means we are answerable to our members and the community. It means more than just reporting back to members at the AGM however, and this plan will help us to be more accountable to members by improving our connection with them and providing more opportunities for member feedback.

Accountability

At Capital Credit Union we are answerable to our members and the community. It means more than just reporting back to members at the AGM however, and this plan will help us to be more accountable to members by improving our connection with them and providing more opportunities for member feedback.

Caring

We focus on people, not profit. It means taking the member’s individual situation and circumstances into account, not just the figures on the application form. It means understanding members’ needs and responding to them by developing the products and services that members want and not just the ones that are easy for us to deliver.

Integrity

Integrity is about being honest and truthful in all our dealings, be they with members, suppliers, volunteers or staff. It also means ensuring that the actions we take are in the members’ best interests.

Social Responsibility

This means doing the right thing by members, for example through responsible lending practices. Responsible lending may lead us to grant a loan that other lenders might refuse because we can see the loan will help the member. But it could equally lead us to refuse a loan that a less responsible lender might grant, because we can see that the loan might put that member into a more difficult situation.

Fairness

This means treating all members equally well, for example by affording equal access to a range of loan products, at a fair price, for all members. It also means protecting members’ savings equally carefully, for example by using credit reference information to protect against bad lending.

Transparency

This means that everything we do is in the public eye and must therefore be fit to be seen. It means we embrace fair regulation, recognising that this helps build trust in the safety and soundness of the credit union.

OUR Services

Capital Credit Union offers its members a range of services.

Loans

Loans can be obtained for a variety of purposes - Cars, Education, Home Improvements, Business, Insurances, Holidays, Annual Costs, and Hobbies etc.

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Savings

The Government Guarantee Scheme (DGS) guarantees personal savings, held in the credit union, (individually or in association with others), up to a maximum of €100,000.

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Membership

If you live or work in the general Ballymahon, Cashel or Monaleen - Annacotty - Ballyneety - Murroe areas, you may apply for membership of Capital CU Limited.

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