PO Box 2096
Bismarck, ND 58502
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.10% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Capital is an NCUA insured institution located in Bismarck, ND. It was founded in 1936 and has approximately $318.23 millions in assets.

Who can join?

You can apply for Capital Credit Union membership by fulfilling just one of these requirements:
• You live in Dickinson, ND
• You live within 75-miles of Bismarck, ND
• You live within 75-miles of Hazen, ND
• You live within 75-miles of Fargo, ND
• You live within 50-miles of Beulah, ND
• Your immediate family lives within 50-miles of Bismarck, ND

* Immediate family includes: spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchildren, and stepsiblings. Immediate family members living outside of the radius may become members only if family members living inside the radius are members.

NCUA Insured Yes
Charter Number # # 60884
Date Established 1936
Assets $318.23 million
Loans $206.11 million
Deposits $282.80 million
Capital $31.19 million

Field of Membership Restrictions

Membership is open to those who live in Dickinson - ND, or live within within 75-miles of Bismarck - ND, 75-miles of Hazen - ND, 75-miles of Fargo - ND, 50-miles of Beulah - ND, or if immediate family members lives within 50-miles of Bismarck, ND.

Deposit Rates - July 15, 2020

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Capital

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Loan Rates - July 15, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CAPITAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,425 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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Below are Capital branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Capital Locations

Financial Details

Capital Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Capital U.S. Average
1.68% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Capital had $483,526 in non-current loans and $63,315 in owned assets. To cover these potential losses it had $31,190,726 in net worth and $1,275,675 in loans loss reserves. That gives it a Texas Ratio of 1.68%.

Net Worth
Capital U.S. Average
9.8% 13.61%

Capital FCU has a net worth of 9.8% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Capital

Branches and Savings

What is Capital?

A federal credit union, registered with the NCUA under certificate #60884.
Learn more about credit unions here.

Is Capital FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Capital?

Please see Field of Membership information above for information on who is eligible to join.

What are Capital's share account and share certificate rates?

Capital's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Capital?

Capital has total capital of $31.19 million. Full information on Capital's financial position is located above.

Who owns Capital?

Credit Unions are owned by their members.

Where are Capital branches located?

See branch locations nearby.

Are Capital ATMs Open 24/7?

Do Capital ATMs accept cash deposits?

Can Capital customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Capital have a mobile app?

Does Capital have mobile deposit?

Does Capital have quick pay?

How can Capital transfer money to other banks or credit unions?

Does Capital report to credit bureaus?

Does Capital use Chexsystems?

Does Capital use Equifax?

What is Capital's toll free phone number?

What is Capital's ACH Routing Number?

What is Capital's SWIFT code?

Where can I find Capital's wire transfer form?

What is the Capital address for deposits?

What Products Does Capital Offer

Does Capital offer mortgages?

Compare mortgage rates here.

Does Capital offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capital offer auto and RV loans?

Compare auto loan rates here.

Does Capital offer student loans or personal loans?

Compare personal loan rates here.

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