PO BOX 2096
Bismarck, ND 58502

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 0.60% 1.90% →
2-Year CD 0.95% 1.95% →
5-Year CD 1.60% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Capital is an NCUA insured institution located in Bismarck, ND. It was founded in 1939 and has approximately $517.06 millions in assets.

NCUA Insured Yes
Charter Number # # 61637
Date Established 1939
Assets $517.06 million
Loans $406.66 million
Deposits $446.92 million
Capital $65.66 million

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.

Deposit Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $1 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $25,000 Learn MoreShow Less
Money Market
0.23% $25,001 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $2,500 - Learn MoreShow Less
6 Mo CD
0.50% $2,500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $1 $2,499 Learn MoreShow Less
Fixed IRA
0.15% $500 $2,499 Learn MoreShow Less
Special: 48 Mo FIRA
1.40% $2,500 - Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


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
3.34% 5.92

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 September 30, 2019, Capital had $1,627,030 in non-current loans and $731,018 in owned assets. To cover these potential losses it had $65,660,656 in net worth and $5,014,616 in loans loss reserves. That gives it a Texas Ratio of 3.34%.

Net Worth
Capital U.S. Average
12.69% 13.86%

Capital FCU has a net worth of 12.69% versus the BestCashCow average of 13.86. 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 #61637.
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 $65.66 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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