Saving with Capital Credit Union is one of the best choices you can make.

How to Save

Each €1 saved is equivalent to a single share. You can save any amount as often as you choose. You may save through a direct debit instruction to your bank, for extra convenience, or simply call into the office anytime. Your shares will build up quickly, and at the end of the financial year, each member is entitled to a dividend, based upon the number of shares held. The maximum Savings limit is €30,000 for adults and €10,000 for children. You may withdraw your savings at any time, although we encourage you to take a loan, and keep your savings intact, to ensure you will still receive your dividend, and benefit from loan eligibility and life insurance.

Common Fund

The fund of shares which builds up forms part of a common fund, from which members are eligible to take loans. This is why we ask members to increase their shares by at least €1 each week when repaying a loan, to allow others get loans too. Through this, members help each other by saving and borrowing money. The maximum Savings limit is €30,000 for adults and €10,000 for children.


All of the savings of the Credit Union members are guaranteed, up to a maximum of €100,000 under the Government Deposit Guarantee Scheme. Capital Credit Union is a member of the ILCU Savings Protection Scheme, which also helps protect members’ shares.

Life Insurance

Capital Credit Union also operates Life Savings Insurance. Under this scheme, an additional amount, extra to the savings held is paid out upon death of a member, subject to terms and conditions.

Saving with Capital Credit Union

By saving with Capital Credit Union, you’re not just another customer, but an active member of a highly successful financial co-operative, which provides security and protection for your savings.

Members of the Credit Union come together to save on a regular, secure basis, and from this fund, to provide loans to each other. A dividend is usually paid to every member once a year.

Get Started

Complete membership application form.

Call into any of our five offices or download the form online

Visit any of our five offices with valid Photo Identification, recent official proof of address & proof of PPS number

Start saving, apply for a loan or use any of our free member services - it's that easy!

What do our members say

I'm treated as a member and decision maker and not just a number! It is empowering to feel part of the community

Capital Credit Union represents the human-side of banking. My area would be lost without them!

Well done and many thanks to all the staff for serving the community - so friendly and helpful over the years!

I joined Capital Credit Union and borrowed for my first car on the very same day! It was hassle free and unbelievably quick.

Require More Information? Call 01 299 0400