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Capital Credit Union (ND)


Overview / Commentary
www.capcu.org
701-255-0042
204 W Thayer Ave
Bismarck, ND 58501

Capital Credit Union (ND) is headquartered in Bismarck and is the 2nd largest credit union in the state of North Dakota. It is also the 554th largest credit union in the nation. It was established in 1939 and as of December of 2021, it had grown to 122 employees and 30,226 members at 11 locations. Capital Credit Union (ND) has an A+ health rating.

Field of Membership Restrictions

Membership in Capital Credit Union is open to North Dakota residents who live within 50 miles of Beulah or New Salem, or within 75 miles of Bismarck, Fargo, or Hazen. Membership is also extended to those who have immediate family living within 50 miles of Bismarck, North Dakota.
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Reviews (2)

Capitol Credit Union

Posted by: |

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.

1

Very Satisfied

Posted by: |

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.

1


Health
A+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #61637
Year Chartered1939
Employees122
Primary Regulator
Profit Margin
Return on Assets - YTD1.26%
Return on Equity - YTD10.67%
Annual Interest Income$21.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$692.6MM$626.1MM
LoansQ4 2021vs Q4 2020$490.3MM$403.6MM
DepositsQ4 2021vs Q4 2020$606.2MM$547.1MM
Equity CapitalQ4 2021vs Q4 2020$80.5MM$73.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.8MM$5.7MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.9MM$4.9MM
Real Estate OwnedQ4 2021vs Q4 2020$504.00K$617.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Capital Credit Union (ND); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capital Credit Union (ND) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Special Shares
0.05%--Home Sweet Home Club
0.05%--CU Save
0.05%--IRA Share Savings
0.05%--Business Transactional Account
0.05%--Transactional Account
0.05%$25-Regular Share

Capital Credit Union (ND) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$500k*-Money Market
OTHER TIERS: 0.05% → Up to $50k | 0.08% → $50k - $100k | 0.10% → $100k - $250k | 0.20% → $250k - $500k

Capital Credit Union (ND) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$2.5k*$25kClassic Checking
OTHER TIERS: 0.05% → $25k+
0.05%$500$100kBusiness Checking

Capital Credit Union (ND) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$2.5k-42 Month Members-Only Growth CD
0.60%$2.5k-60 Month Regular CD
0.60%$2.5k-61 Month Bump-a-Rate CD
0.60%$2.5k-54 Month Bump-a-Rate CD
0.50%$2.5k-48 Month Bump-a-Rate CD
0.40%*$2.5k*-36 Month Regular CD
OTHER TIERS: 0.25% → $500 - $2.5k
0.30%*$2.5k*-24 Month Regular CD
OTHER TIERS: 0.15% → $500 - $2.5k
0.25%$2.5k-18 Month Regular CD
0.20%*$2.5k*-12 Month Regular CD
OTHER TIERS: 0.10% → $500 - $2.5k
0.15%$2.5k-9 Month Regular CD
0.10%$500-6 Month Regular CD
0.10%$2.5k-3 Month Regular CD

Capital Credit Union (ND) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$2.5k-42 Month Members-Only Growth IRA
0.60%$2.5k-54 Month Bump-a-Rate IRA
0.60%$2.5k-60 Month Regular IRA
0.60%$2.5k-61 Month Bump-a-Rate IRA
0.50%$2.5k-48 Month Bump-a-Rate IRA
0.40%*$2.5k*-36 Month Regular IRA
OTHER TIERS: 0.25% → $500 - $2.5k
0.30%*$2.5k*-24 Month Regular IRA
OTHER TIERS: 0.15% → $500 - $2.5k
0.25%$2.5k-18 Month Regular IRA
0.20%*$2.5k*-12 Month Regular IRA
OTHER TIERS: 0.10% → $500 - $2.5k
0.15%$2.5k-9 Month Regular IRA
0.10%$2.5k-3 Month Regular IRA
0.10%$500-6 Month Regular IRA
Locations

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