The credit union's new common bond, covering anyone who lives and works in Edinburgh, the Lothians and Scottish Borders was officially launched by Sir David Steel KBE at the festival theatre in Edinburgh on the 27 November 2002. five credit unions from
within their new common bond agreed to transfer their memberships to Capital. The transferring credit unions were Dalkeith, Gorgie/Dalry, Galt, Persevere and most recently North Edinburgh. The credit union is also making moves to establish a branch network
to service local communities and the first branch is expected to be up and running by late spring in the Musselburgh area of East Lothian. with support from East Lothian Council, who developed the technology to allow any member of Capital to use their membership
card to pay into their credit union account through Council offices. The credit union began offering mortgages in 2004 to members as part of its commitment to be a full-service credit union. The first mortgages were through a partnership with one of the local
authorities that wanted to support council tenants under the Governments “right to buy” home purchase scheme. 2006 Capital credit union was offering members banking services and a current account. Also in July 2006, the credit union received 10K
from the assistance fund to assist with KAPITAL KIDS the junior savers scheme.