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Overview / Commentary
204 W Thayer Ave
Bismarck, ND 58501

Capital CU (ND) is headquartered in Bismarck and is the 2nd largest credit union in the state of North Dakota. It is also the 582nd largest credit union in the nation. It was established in 1939 and as of September of 2017, it had grown to 111 employees and 30,065 members at 10 locations. Capital CU (ND) has an A+ health rating.

Field of Membership Restrictions

You and your family are openly eligible for membership to join the North Dakota Branch of Capitol CU if are a ND resident that lives anywhere within the CU-designated qualified CU perimeter and/or locations. A full detailed map of the area, as well as a detailed list, of eligible, locations is provided on the Capital CU website for you to determine the status of your eligibility.
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Reviews (2)

Capitol Credit Union

Posted by: ericklyons | Nov 8, 2017

My first checking account when I was in high school was with Capital Credit Union. It was a good experience for a first account. You feel like an individual while working with them. They know you by name and are willing to listen to your situation one on one. If you encountered financial troubles they have no problem helping and trying to figure out what is needed to get you back on the road to financial security. The only reason I moved on from them other than being young and dumb was that I moved to a larger city and it would have been a hassle to keep my account in the smaller town 200 miles away. All in all it was a good experience.

Very Satisfied

I have been very satisfied with my experience with the local branch of Capital Credit Union. I like the personalized feel that I get here. The staff knows me and usually greet me by name when I come in. Whether I call or visit in person they are very willing to help me with what I need. The website and mobile app work well. The one time I had a problem with having forgotten my password and talked with a representative using online chat she was very helpful and we were able to quickly resolve my problem. I would highly recommend this credit union to anyone looking at the different local banks and credit union in this area.


Health Grade Components

NCUA #61637
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD11.39%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$458.9MM$437.4MM
LoansQ3 2017vs Q3 2016$364.0MM$360.1MM
DepositsQ3 2017vs Q3 2016$401.3MM$386.6MM
Equity CapitalQ3 2017vs Q3 2016$52.8MM$47.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$4.2MM$3.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$2.8MM$4.3MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capital CU (ND) Savings Account Rates

1.30%$2,500-Combo Savings
0.10%*$20k*-IRA Share Savings
OTHER TIERS: 0.05% Up to $20k
0.05%--Special Shares
0.05%--Home Sweet Home Club
0.05%--CU Save
0.05%--Business Transactional Account
0.05%--Transactional Account
0.05%--Regular Share

Capital CU (ND) Money Market Rates

0.35%*$50k*-Money Market
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $25k | 0.25% $25k - $50k

Capital CU (ND) Checking Account Rates

1.00%*$2,500*$25kClassic Checking
OTHER TIERS: 0.05% $25k+
0.05%$500$100kBusiness Checking

Capital CU (ND) CD Rates

2.00%$2,500-60 Month Regular CD
1.70%$2,500-61 Month Bump-a-Rate CD
1.60%$2,500-54 Month Bump-a-Rate CD
1.52%$2,500-36 Month Rising Rate CD Special
1.40%$2,500-48 Month Bump-a-Rate CD
1.30%$2,500-23 Month Combo CD
1.11%$2,500-11 Month CD
0.85%*$2,500*-36 Month Regular CD
OTHER TIERS: 0.35% $1k - $2,500
0.75%*$2,500*-24 Month Regular CD
OTHER TIERS: 0.20% $1k - $2,500
0.70%$2,500-18 Month Regular CD
0.40%*$2,500*-12 Month Regular CD
OTHER TIERS: 0.15% $1k - $2,500
0.35%$2,500-9 Month Regular CD
0.30%*$2,500*-6 Month Regular CD
OTHER TIERS: 0.10% $1k - $2,500
0.20%$500-24 Month Youth/Young Adult CD
0.15%$500-12 Month Youth/Young Adult CD
0.15%$2,500-3 Month Regular CD
0.10%$500-6 Month Youth/Young Adult CD
0.10%$100-6 Month CU Save CD

Capital CU (ND) IRA Rates

2.00%$2,500-60 Month Regular IRA
1.70%$2,500-61 Month Bump-a-Rate IRA
1.60%$2,500-54 Month Bump-a-Rate IRA
1.52%$2,500-36 Month Rising Rate IRA Special
1.40%$2,500-48 Month Bump-a-Rate IRA
0.85%*$2,500*-36 Month Regular IRA
OTHER TIERS: 0.35% $1k - $2,500
0.75%*$2,500*-24 Month Regular IRA
OTHER TIERS: 0.20% $1k - $2,500
0.70%$2,500-18 Month Regular IRA
0.40%*$2,500*-12 Month Regular IRA
OTHER TIERS: 0.15% $1k - $2,500
0.35%$2,500-9 Month Regular IRA
0.30%*$2,500*-6 Month Regular IRA
OTHER TIERS: 0.10% $1k - $2,500
0.15%$2,500-3 Month Regular IRA

Cities: Beulah, Bismarck, Fargo, Mandan, New Salem, Pick City

Beulah Branches
Branch Office131 W Main StBeulah, ND 58523

Bismarck Branches
Branch Office3101 N 11th StBismarck, ND 58503
Branch Office835 S Washington StBismarck, ND 58504
Corporate Office204 W Thayer AveBismarck, ND 58501
Branch Office1550 Burnt Boat DrBismarck, ND 58503
Branch Office3103 Yorktown Dr Suite 3Bismarck, ND 58503

Fargo Branches
Branch Office4900 13th Ave SFargo, ND 58103

Mandan Branches
Branch Office600 E Main StMandan, ND 58554

New Salem Branches
Branch Office316 Main AveNew Salem, ND 58563

Pick City Branches
Branch Office145 Main Rd EPick City, ND 58545-7067