Capital Credit Union (ND)


Overview / Commentary
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 563rd largest credit union in the nation. It was established in 1939 and as of June of 2023, it had grown to 135 employees and 31,242 members at 11 locations. Capital Credit Union (ND)'s savings rates are 8X the national average, and it 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.

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

Health Grade Components

Overall
NCUA #61637
Year Chartered1939
Employees135
Primary Regulator
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD8.76%
Annual Interest Income$14.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$727.8MM$706.6MM
LoansQ2 2023vs Q2 2022$554.2MM$528.9MM
DepositsQ2 2023vs Q2 2022$615.9MM$612.9MM
Equity CapitalQ2 2023vs Q2 2022$85.7MM$78.0MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$7.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.6MM$1.4MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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
4.00%--18 Month Combo Savings Special
1.61%*-$20kThrive Savings w/Checking
OTHER TIERS: 0.09% $20k+
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
1.75%*$250k*$500kMoney Market
OTHER TIERS: 0.20% Up to $10k | 0.50% $10k - $50k | 0.55% $50k - $100k | 1.00% $500k+ | 1.50% $100k - $250k

Capital Credit Union (ND) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$2.5k*$20kClassic Checking
OTHER TIERS: 0.05% $20k+
0.05%$500$100kBusiness Checking

Capital Credit Union (ND) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$50k-9 Month CD Special - New Money
5.00%$2.5k-9 Month CD Special
4.75%*$2.5k*-12 Month Regular CD
OTHER TIERS: 0.75% $500 - $2.5k
4.50%*$2.5k*-6 Month Regular CD
OTHER TIERS: 0.75% $500 - $2.5k
4.35%$2.5k-11 Month CD Special
4.25%$2.5k-22 Month CD Special
4.00%$2.5k-3 Month Regular CD
4.00%$2.5k-15 Month CD Special
4.00%$2.5k-18 Month Combo CD Special - New Money
3.00%$2.5k-60 Month Regular CD
2.50%*$2.5k*-36 Month Regular CD
OTHER TIERS: 0.80% $500 - $2.5k
1.90%$2.5k-48 Month Bump-a-Rate CD
1.65%*$2.5k*-24 Month Regular CD
OTHER TIERS: 0.75% $500 - $2.5k
1.50%$2.5k-18 Month Regular CD

Capital Credit Union (ND) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$50k-9 Month CD Special - New Money
5.00%$2.5k-9 Month CD Special
4.75%*$2.5k*-12 Month Regular IRA
OTHER TIERS: 0.75% $500 - $2.5k
4.50%*$2.5k*$50k6 Month Regular IRA
OTHER TIERS: 0.75% $500 - $2.5k
4.35%$2.5k-11 Month IRA Special
4.25%$2.5k-22 Month IRA Special
4.00%$2.5k-3 Month Regular IRA
4.00%$2.5k-15 Month IRA Special
3.00%$2.5k-60 Month Regular IRA
2.50%*$2.5k*-36 Month Regular IRA
OTHER TIERS: 0.80% $500 - $2.5k
1.90%$2.5k-48 Month Bump-a-Rate IRA
1.65%*$2.5k*-24 Month Regular IRA
OTHER TIERS: 0.75% $500 - $2.5k
1.50%$2.5k-18 Month Regular IRA
Locations

Availability



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