Capital Credit Union
Capital Credit Union is a member-owned financial cooperative founded in 1966 and headquartered in Dundrum, South Dublin, providing mortgages, personal and SME loans, savings, and insurance referrals to residents, workers, and students across South Dublin and North Wicklow through eight branches and a digital platform.
- Company typePrivate
- Founded2017
- HeadquartersDublin, Ireland
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Capital Credit Union does
Capital Credit Union is a member-owned financial cooperative founded in 1966, headquartered in Dundrum, South Dublin, and regulated by the Central Bank of Ireland (Reg. 255CU). It serves individuals, SMEs, students, and community organisations across a defined catchment covering Dublin postal districts 2, 4, 6, 6W, 8, 12, 14, 16, 18, South County Dublin, and North Wicklow, operating eight physical branches alongside a 24/7 digital platform comprising CU Online (web banking), a native iOS/Android mobile app, and SEPA Instant Payments infrastructure.
The core product portfolio is centred on consumer lending (personal loans €1,500–€100,000, car, home improvement, green/Eco Motion, student, switcher, secured savings loans), residential mortgages up to €500,000 (variable, 5-year fixed, and green), SME lending up to €300,000 via the BizFin multi-credit-union collaboration, and deposit products (no-fee savings accounts and 3- and 5-year term deposits at 1.36% and 1.76% AER). The technology stack is conventional: a third-party online banking platform (CU Online) with mobile apps, CRIF Realtime integration for credit referencing, and Central Credit Register connectivity. An automated decisioning tool supports loan underwriting but no proprietary AI/ML is disclosed. Adjacent member services include Peopl Insurance and Zurich Financial Planning referrals, Member Death Benefit Indemnity, Life Savings and Loan Protection Insurance, foreign exchange, CU Smart Pay bill-splitting, the Members Prize Draw, free will-making via a partner solicitor, and the Sustainable Energy Community programme.
The revenue model is a classic credit-union net-interest-margin business, supplemented by insurance referral commissions, MDBI premiums, and ancillary fees. Distribution is hybrid — branch-led for complex products and relationship banking, self-serve digital for routine transactions, with the CU@Work employer programme and educational-institution partnerships driving member acquisition. Capital Credit Union invests heavily in community sponsorship (approximately €50,000 annually) and operates under an 11-member volunteer board chaired by Ann Walsh, with a new CEO appointed in July 2023. The business is non-profit and member-owned; there is no parent company, no external institutional capital, and revenue is not publicly disclosed.
Capital Credit Union firmographics
Firmographics- Name
- Capital Credit Union
- Legal name
- Capital Credit Union Limited
- Website
- https://capitalcu.ie
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Capital Credit Union is a member-owned financial cooperative founded in 1966 and headquartered in Dundrum, South Dublin, providing mortgages, personal and SME loans, savings, and insurance referrals to residents, workers, and students across South Dublin and North Wicklow through eight branches and a digital platform.
- Ownership category
- akta.pro rank
Capital Credit Union industry classification
Industry- Product category
- Credit Union / Cooperative Retail Banking
- NAICS
- Credit Unions (52213), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036), Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Capital Credit Union is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices8 records
Markets served
Capital Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Loan Interest Income: The primary revenue stream is interest income from personal loans, mortgages, business loans, and green loans. Interest rates range from 5.55% promotional rate for Eco Motion loans to 11.9% variable rate for standard personal loans. The credit union offers various loan products including personal loans (up to €100,000), mortgages (up to €500,000), business loans (up to €300,000 via BizFin), and green loans for sustainable improvements.
- Term Deposit Interest Spreads: Capital Credit Union offers 3-year and 5-year term deposit accounts paying 1.36% AER and 1.76% AER respectively (as of April 2025). The credit union earns spread income by lending deposited funds at higher interest rates than paid to depositors.
- Insurance Distribution (Peopl Insurance): Partnership with Peopl Insurance (created by Credit Unions) to offer Car, Home, Travel, and Life insurance products. Revenue likely comes from referral arrangements or commission on insurance products sold to members.
- Zurich Financial Planning Referral: Partnership with Zurich for financial planning services offered to members. Zurich Financial Planners develop tailored financial plans for members over phone, email, video call, or post.
- Member Death Benefit Indemnity (MDBI) Programme: Group life insurance programme providing €3,500 bereavement benefit to members aged 16-70 at cost of €108 per year. The credit union collects premiums and administers the programme through CMutual and Utmost PanEurope dac.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Eco Motion Loan promotional rate for EVs, hybrids, and e-bikes |
| Subscription | Monthly | Personal Loan - Variable Interest Rate Tier 1 |
| Subscription | Monthly | Personal Loan - Variable Interest Rate Tier 2 |
| Subscription | Monthly | Personal Loan - Variable Interest Rate Tier 3 |
| Subscription | Monthly | Switcher Loan for loan consolidation |
| Subscription | Annual | 3-Year Term Deposit Account |
| Subscription | Annual | 5-Year Term Deposit Account |
| Subscription | Annual | Member Death Benefit Indemnity (MDBI) Programme |
| Subscription | Monthly | Members Prize Draw Entry |
| Subscription | Monthly | Mortgages |
| Subscription | Monthly | SME Business Loans via BizFin |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels10 records
Capital Credit Union product offering
Product offeringCore offering
Capital Credit Union is a member-owned financial cooperative providing deposit accounts, personal and business lending, and mortgages to individuals and small businesses primarily in South Dublin. It generates revenue from net interest spread on loans and deposits and offers fee-free banking, supported by 8 physical branches, online banking, a mobile app, and partnerships for insurance and financial planning referrals.
Product overview
Capital Credit Union operates as a financial services co-operative providing a comprehensive suite of banking and lending products. The core product portfolio centers on Personal Loans (including specialized variants: Eco Motion Loan, Green Loans, Home Improvement Loan, Business Loan/BizFin, Student Loan, Welcome Loan, Switcher Loan, and Secured Savings Loan) and Mortgage products (Variable Rate, 5 Year Fixed, and Green Mortgage). Savings offerings include no-fee Savings Accounts and Term Deposit Accounts (3-year and 5-year terms). The digital banking platform comprises CU Online (web-based online banking), the Capital CU Dublin App (iOS/Android mobile app), SEPA Instant payments, and CU Smart Pay. Insurance products include Life Savings Insurance, Loan Protection Insurance, Member Death Benefit Indemnity (MDBI), and Peopl Insurance (car, home, travel, life). Additional services include Foreign Exchange, Members Prize Draw, Youth Services, CU @ Work payroll deduction, Free Will Making, Zurich Financial Planning, and the Sustainable Energy Community initiative. The platform operates as a unified member-owned co-operative without per-transaction fees, distinguishing it from traditional banking institutions.
Differentiator
Problem solved
Functional benefit
Brands
- BizFin: SME lending brand operated by Capital Credit Union offering business loans up to €300,000 to small and medium enterprises in their catchment area.
Products and services
- Personal Loans General-purpose unsecured personal loans for individual members, ranging from €1,500 to €100,000 over 1–10 years with variable rates starting at 7.9% (8.2% APR), no early-repayment penalties, and free Loan Protection Insurance.
- Eco Motion Loan
Quantifiable outcome
- 74% potential savings on transport running costs by switching from diesel to electric (SEAI data)
- +2 more outcomes
Companies that use Capital Credit Union
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Capital Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability1 record
Feature5 records
Capital Credit Union partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered minor and core.
- CPA IrelandminorPartnership with CPA Ireland announced as new collaboration for members.
- Reforest NationminorPartnership to help plant 1 million trees. Environmental initiative supporting sustainability.
- Trinity College Dublin Students' UnionminorFood voucher partnership to support students struggling financially. Capital Credit Union provides funding for emergency grocery vouchers administered by TCDSU Welfare & Equality Officer. Addresses student food poverty through monetary vouchers.
- Peopl InsurancecorePeopl Insurance was created by Credit Unions out of a belief that Insurance doesn't work in favour of those it's supposed to serve. It offers fair insurance products including Car, Home, Travel, and Life insurance to Capital Credit Union members. Members can get online quotes or call 0818 293 445.
- Zurich Financial PlanningcoreZurich Financial Planners explore members' needs and develop tailored financial plans over phone, email, video call, or post. No face-to-face meeting required. Zurich arranges all financial products for members through this collaboration.
- CRIF Realtime Ireland LimitedcoreCredit reference agency used during loan application process. CRIF collects bank statements from applicants on behalf of Capital Credit Union. Privacy notice available at crif.com.
- Central Credit RegistercoreNational credit register used to assess loan applications and build credit history. Credit agreements are registered on CCR database and updated monthly. Information retained for six years after accounts close.
- CMutual Services (Ireland) LimitedcoreArranges the Member Death Benefit Indemnity (MDBI) programme on behalf of Capital Credit Union. The programme is regulated by the Central Bank of Ireland and underwritten by Utmost PanEurope dac.
- SEAI (Sustainable Energy Authority of Ireland)coreCapital Credit Union became a Sustainable Energy Community (SEC) with SEAI support. Received SEAI funding for Energy Master Plan. Promotes SEAI grants to members for home energy upgrades including heat pumps, insulation, and solar panels.
- Energy TeamcoreExpert partners in retrofitting who follow up with members interested in energy upgrades. They provide technical assessments and help members apply for SEAI grants. Works with Capital Credit Union SEC programme.
- BizFin (Credit Union SME Collaboration)coreCollaboration between Credit Unions to offer business and community loans up to €300,000 in catchment areas. Operated under BizFin brand for SME lending. Balally Family Resource Centre received BizFin loan to expand services.
- Joe Clancy SolicitorsminorRathfarnham-based solicitors providing free will-making service for Capital Credit Union members. Drafts wills free of charge as part of member services. Contact: 41 Main Street, Rathfarnham, Tel: 01 492 0464.
- Women's AidminorPartnership to raise awareness of domestic abuse signs. Supports vulnerable community members.
- Balally Family Resource CentreminorReceived BizFin business loan to help expand services to the local community. Testimonial video produced showing positive impact of the financing.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Capital Credit Union competitors and assessment
Company assessmentEmerging players
- Revolut Ireland: Digital-first challenger with strong penetration among younger Irish consumers. Competes for the same deposit and payment-rail wallet share that Capital Credit Union's mobile app and CU Online platform target, particularly within the Students and Young People segment.
- N26 Bank (Ireland): European mobile-first bank operating in the Irish retail market. Comparable on the digital banking and consumer-payment experience layer, pressuring Capital Credit Union to keep pace on app functionality and instant-payment features such as SEPA Instant.
Broad incumbents
- Permanent TSB: Ireland's third-largest retail bank and a major mortgage provider to Irish consumers. Comparable because it competes directly with Capital Credit Union for South Dublin deposits, personal loans, and especially the new €500k mortgage bracket, but operates nationwide with branch and digital distribution at far greater scale.
- AIB (Allied Irish Banks): One of Ireland's two pillar banks, offering the full retail/mortgage/SME stack across the country including South Dublin. Overlaps with Capital Credit Union on personal loans, savings, mortgages and SME lending, with much larger balance-sheet capacity and rates the credit union must price against.
- An Post (An Post Money): State-backed retail savings and current account provider leveraging Ireland's post office branch network. Competes with Capital Credit Union for low-cost deposit gathering and serves a similar community-access mission across Ireland, including Dublin postcodes.
- Bank of Ireland: Ireland's largest bank by retail customers, with a deep Dublin branch network and full product suite from current accounts to mortgages. A direct competitor for Capital Credit Union's target catchment, with substantially greater funding, capital, and product breadth.
Regional players
- Clonmel Credit Union: A large, multi-branch Irish credit union outside the Dublin market, providing a benchmark for credit-union operating scale and product extension strategies. Comparable cooperative framework but geographically non-overlapping with Capital Credit Union's catchment.
Direct peers
- First South Credit Union: A large Dublin-area credit union offering a comparable personal-loan, savings, mortgage and community-sponsorship proposition. Closest structural peer to Capital Credit Union given shared cooperative model, Central Bank of Ireland oversight, and member-owned catchment-area framework.
- St Raphael's Credit Union: Another Dublin-based credit union with a personal-loan-led, community-focused operating model. Highly comparable on member segmentation, fee structures, and product breadth, and competes for overlapping Dublin catchment members.
Others
- BizFin: Credit-union SME lending collaboration of which Capital Credit Union is itself a member. Relevant as an enabling platform and partnership venue for SME loan origination up to €300k, illustrating the sector-level pooling of capital that complements member-funded deposit-taking.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Capital Credit Union social profiles
Digital presenceCapital Credit Union compliance and trust
Trust signalCompliance4 records
Capital Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Credit Union leadership team
Management profileNumber of profiles
Profiles1 record
Capital Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital Credit Union
What does Capital Credit Union do?
Capital Credit Union is a member-owned financial cooperative providing deposit accounts, personal and business lending, and mortgages to individuals and small businesses primarily in South Dublin. It generates revenue from net interest spread on loans and deposits and offers fee-free banking, supported by 8 physical branches, online banking, a mobile app, and partnerships for insurance and financial planning referrals.
Is Capital Credit Union a public or private company?
Capital Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Capital Credit Union founded?
Capital Credit Union was founded in 2017. It employs 51 to 100 people.
Where is Capital Credit Union based?
Capital Credit Union is headquartered in Dublin, Ireland, in the Europe region.
How does Capital Credit Union make money?
Five revenue lines are on record. Loan Interest Income is the primary driver. The others are term Deposit Interest Spreads, insurance Distribution (Peopl Insurance), zurich Financial Planning Referral and member Death Benefit Indemnity (MDBI) Programme.
Who are Capital Credit Union's main competitors?
Emerging players on record are Revolut Ireland and N26 Bank (Ireland). Broad incumbents are Permanent TSB, AIB (Allied Irish Banks), An Post (An Post Money) and Bank of Ireland. Clonmel Credit Union is listed as a regional player. Direct peers are First South Credit Union and St Raphael's Credit Union. BizFin is listed as an others.
Does Capital Credit Union have an API?
No public API is recorded for Capital Credit Union.
What industry is Capital Credit Union in?
Capital Credit Union's product category is Credit Union / Cooperative Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52213 and its SIC code is 6036.