APR HIGH
The people were friendly and efficient. Good service. The APR of 10% is very high though, especially for a second loan of a 'valued' member.

Capital Credit Union is a modern financial cooperative based in Ireland, dedicated to providing a range of financial services to its members. The company offers various loan products, including personal loans, mortgages, and business loans, designed to meet the diverse needs of individuals and families. In addition to lending, Capital Credit Union provides savings accounts, investment options, and financial planning services, ensuring that members have access to comprehensive financial support. The target market for Capital Credit Union includes individuals seeking personal banking solutions, families looking for affordable loan options, and small businesses in need of financial assistance. With a commitment to community values, the company prioritizes member service, ensuring that customers are treated as individuals rather than just account numbers. Its user-friendly online platform and mobile app further enhance accessibility, allowing members to manage their finances conveniently from anywhere.
Reviewers consistently praise Capital Credit Union for its friendly and helpful staff, highlighting their professionalism and efficiency throughout the loan application process. Many customers report a seamless experience, with quick approvals and excellent service, particularly noting the responsiveness of staff members like Mark and Jordan.
However, a few reviews express frustration regarding delays and issues with application uploads, suggesting that some customers feel their time is wasted during the process. Despite these minor complaints, the overwhelming sentiment remains positive, with consumers appreciating the accommodating nature of the staff and the overall quality of service. Capital Credit Union is recognized for its strong customer support, making it a recommended choice for financial services. Overall, the sentiment is predominantly positive.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.8 | 60 | 100% | -0.1 | ● Low |
Monthly average rating from reviews written by people · latest review Jul 2025.
| Month | Average | Reviews |
|---|---|---|
| Aug 24 | 5.0 | 10 |
| Sep 24 | 5.0 | 7 |
| Oct 24 | 5.0 | 4 |
| Nov 24 | 4.1 | 8 |
| Dec 24 | 5.0 | 4 |
| Jan 25 | 4.2 | 5 |
| Feb 25 | 5.0 | 3 |
| Mar 25 | 5.0 | 2 |
| Apr 25 | 5.0 | 7 |
| May 25 | 4.8 | 6 |
| Jun 25 | 5.0 | 3 |
| Jul 25 | 5.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Staff are very friendly and helpful no matter what the query”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.8 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | 5.0 out of 5 (good) | +5% | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: Capital Credit Union is #2 of 5 on overall rating in this group.
60 reviews of Capital Credit Union . Filter by what matters to you.
The people were friendly and efficient. Good service. The APR of 10% is very high though, especially for a second loan of a 'valued' member.
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Capital Credit Union is a modern financial cooperative based in Ireland, dedicated to providing a range of financial services to its members. The company offers various loan products, including personal loans, mortgages, and business loans, designed to meet the diverse needs of individuals and families. In addition to lending, Capital Credit Union provides savings accounts, investment options, and financial planning services, ensuring that members have access to comprehensive financial support. The target market for Capital Credit Union includes individuals seeking personal banking solutions, families looking for affordable loan options, and small businesses in need of financial assistance. With a commitment to community values, the company prioritizes member service, ensuring that customers are treated as individuals rather than just account numbers. Its user-friendly online platform and mobile app further enhance accessibility, allowing members to manage their finances conveniently from anywhere.
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