Capital Credit Union

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A short history of Capital CU

Since its inception in 1939 the Capital Credit Union has been serving its members in the BISMARCK, North Dakota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Debra Gallagher, the Capital CU has grown its membership to over 30,003 with assets of more than $458,747,223. They have a main office and 10 branch offices. Please see the credit unions website or contact them by phone at (701) 255-0042 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BISMARCK, ND.

General Information For Capital CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61637
Address PO BOX 2096 
State North Dakota 
Zip-Code 58502
Phone Number (701) 255-0042
Fax Number (701) 222-3996
Email Address:
CEO/President Debra Gallagher
Members 30,003 
Full-Time Employees 112 
Part-Time Employees 20 
Number of Branch Offices 10 
Total Assets 458,747,223 

Compare Capital Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Vue Community CU Vue Community Credit Union 818 E Main Ave 58502 (701) 223-6533 No 0.31
Railway CU Railway Credit Union 1006 E Main St 58554 (701) 667-9500 No 4.62

Capital Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Capital Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 2.24 2.24 3.63 4.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 56 35 86 200
Rank Among All North Dakota Credit Unions 9 4 1 2 8

Capital Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.15 0.39 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 124 286 291
Rank Among All North Dakota Credit Unions 6 16 10 19 22
Capital Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9903,7519,106,234
All Other Unsecured Loans/Lines of Credit 9.5001,6353,863,623
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.2404819,721,042
Used Vehicle Loans 2.2405,37661,061,392
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.630688105,218,908
Total Other Real Estate Loans/Lines of Credit 4.7501,33663,052,877
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.7504,875112,418,778
TOTAL LOANS & LEASES 18,142364,442,854

Capital Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 6412,508,4543887,783
    b. 15 Years or less 32619,675,372494,204,157
    a. > 15 years 5234,069,5462405,000
    b. 15 Years or less 11827,159,669132,755,355
Other Fixed Rate 259,90200
Adjustable Rate 1 yr or less 12611,745,965152,411,121
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 25011,773,058291,850,697
Closed-End Adjustable Rate 51,086,79200
Open-End Adjustable Rate 26613,186,080231,685,066
Open-End Fixed Rate 81537,006,9471146,203,670
TOTALS 2,024168,271,78524820,402,849


Interest Only & Payment Option 1st Mortgage Loans 53,287,995213,226
Interest Only & Payment Option Other RE/LOC Loans 181,922,2901,279,358
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Capital Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes