Low Mortgage Rates & Quick Auto Loans | Capital Bismarck ND Credit Union

Introduction

Welcome to Capital Credit Union, your trusted financial partner located at 204 W Thayer Ave, Bismarck, ND 58501. Since our establishment in 1939, we have proudly served our community and built a strong membership base of over 32,188 members. With total assets exceeding $798 million, we are committed to providing exceptional financial services tailored to meet your needs. At Capital, we believe in the power of community. Our dedicated team of 159 employees, led by CEO Jon Griffin and Board President Faye Miller, works tirelessly to ensure that you receive the personalized service you deserve. Whether you're looking for auto loans, mortgages, or business banking solutions, our broad range of offerings is designed to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 2096, Bismarck, ND 58502. We maintain a welcoming environment where you can easily access essential services like online banking and ATM facilities. With total deposits amounting to $7,102,635 and a net worth of $103,298,247, we pride ourselves on being a financially sound institution that puts its members first. Our focus on member satisfaction has earned us trust within the community and positions us as a reliable choice for all your banking needs. Ready to take the next step? Visit us today or give us a call at 701-255-0042. Join the Capital family and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Community Engagement

Our commitment extends beyond transactions; we actively engage with our community through various outreach programs and partnerships. By supporting local initiatives and organizations, we strive to make a positive impact right here in Bismarck. While members can visit us at 204 W Thayer Ave, official correspondence should be sent to PO Box 2096, Bismarck, ND 58502 if needed. If you're looking for a credit union that values you as more than just a number and is dedicated to your success, join us at Capital. Experience firsthand how we can help you achieve your financial dreams while being part of a supportive community. Call us today at 701-255-0042 or visit our website to learn more about becoming a member!

Our Mission

At Capital, our mission goes beyond just providing financial products; we aim to strengthen our community. We believe that by helping our members improve their financial well-being, we can contribute to a healthier local economy. Our services include personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We understand the importance of being there for our members when they need us most. That's why we offer convenient services such as online and mobile banking, allowing you to manage your finances from anywhere. Additionally, with an ATM on-site and drive-thru banking available during operating hours Monday through Friday from 8:30 AM to 5:00 PM for the lobby and 7:30 AM to 6:00 PM for the drive-up we ensure you have access when it matters.

Branch Location & Accessibility

Get In Touch!

Ready to take the next step? We invite you to visit us or give us a call at 701-255-0042. Our friendly staff is eager to assist you with all your banking needs. At Capital, we're more than just a credit union; we're a community partner dedicated to helping you thrive financially. Come see how we can make banking easier for you!

Nearby Landmarks and Accessibility Features

Situated near key landmarks, our branch is just a short walk from popular spots like the North Dakota State Capitol and the Bismarck Civic Center. This prime location makes it convenient for you to incorporate banking into your day-to-day activities. Our facility is fully accessible, featuring ADA-compliant ramps and parking to ensure that everyone can enjoy our services comfortably. Ample parking space is available right outside the entrance, making it easy for you to pop in without any hassle.

Operating Hours and Services

We understand that your time is valuable. That's why our lobby hours are tailored to fit your schedule: we are open Monday through Friday from 8:30 AM to 5:00 PM, with drive-thru services available even earlier starting at 7:30 AM until 6:00 PM. This flexibility allows you to manage your banking needs at a time that works best for you. At Capital, we offer a variety of personal and business banking services designed to meet your financial goals. From checking and savings accounts to auto loans and credit cards with rewards there's something for everyone! We also have an ATM on-site for quick cash withdrawals and balance checks.

Member Eligibility

Becoming a member of Capital feels like joining a family that truly cares about your financial well-being. At our Bismarck branch located at 204 W Thayer Ave Bismarck Nd 58501, we welcome individuals who live, work, worship, or attend school in the area. It's all about creating a community where everyone feels included and valued. When you become part of Capital, you're not just opening an account; you're gaining access to personalized services that cater to your unique needs, from checking and savings accounts to loans and credit options. The process to join us is simple and straightforward! If you're ready to take the next step, you can find more details on how to open an account by visiting our website or giving us a call at (701) 255-0042. We're here to help answer any questions you might have about eligibility or membership benefits. For further information on the specific eligibility criteria, please check out this helpful resource. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Streamlined Merchant Services

Imagine having a reliable partner to help manage your transactions effortlessly. Our merchant services are designed with your needs in mind. We provide tools that simplify payment processing, allowing you to focus more on serving your customers and less on paperwork. From point-of-sale solutions to online payment options, we ensure that your business operates smoothly. Located at 204 W Thayer Ave Bismarck Nd 58501 in Bismarck, ND, our team is ready to assist you in finding the right banking solutions tailored specifically for your business needs. Reach out to us at (701) 255-0042 today and take the first step toward empowering your business!

Tailored Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,002 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $269,510,201, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM Services

Need quick cash? With our ATM and cash withdrawal services, accessing your money is as easy as stopping by one of our locations or using an ATM nearby. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car!

Business Banking

For our business members, we provide comprehensive business banking services, including merchant services and business loans designed to support local entrepreneurs in their growth journey.

Conclusion

At Capital, we strive to be more than just a financial institution; we want to be your partner in achieving financial success. Our extensive range of services ensures that whether you're managing personal finances or running a business, we have the tools you need right at your fingertips. Ready to take the next step? Visit us at 204 W Thayer Ave Bismarck Nd 58501 or give us a call at (701) 255-0042! Join us today and experience the difference with Main Office!

Credit Cards

Looking for rewards? Our credit cards with rewards give you cash back or points on everyday purchases, making it rewarding to spend wisely.

Home Financing

If you're considering homeownership, our mortgage loans and refinancing services make it easier than ever to navigate the process. We understand that buying a home is a significant milestone, which is why our knowledgeable staff is here to guide you every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. Whether you're checking your balance from home or making transfers on-the-go, our secure platforms ensure that managing your finances is just a click away.

Personal Banking

Starting with personal banking, we offer various options including checking and savings accounts that fit your lifestyle. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that make banking simple and effective. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates to help you drive away in your dream car.

Personal Loans

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. We offer flexible terms that can help you manage your finances more efficiently, turning overwhelming bills into manageable payments.

Digital & Online Banking

Key Features

One of the standout features of our online services is the ability to sign documents electronically with ease. Our electronic signature authorization allows you to complete transactions without needing to visit a branch, making banking more accessible than ever. Plus, with e-statements available, you can keep track of your finances while helping the environment by opting for paperless statements. For those who are always on the go, our mobile application enhances your banking experience further. You can make mobile payments effortlessly and enjoy person-to-person transfers directly from your smartphone. This feature enables you to send money to friends or family quickly and securely, eliminating the hassle of cash or checks.

Security and Ease of Use

Your security is our priority. Our online banking services utilize advanced security measures to protect your information while providing a user-friendly experience. Whether you're checking your account from home or on the move, you can feel confident knowing that your data is safe. With all these features combined, managing your finances has never been easier. Whether you're paying bills, transferring funds, or checking account balances, you can do it all at your convenience with Capital's digital banking solutions. Join us today and discover how easy it is to take control of your financial journey!

Financial Strength

Growing Trust

Our commitment to serving you is evident as we have achieved a total of 88,860 share accounts, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $0, illustrating our dedication to fostering your financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Capital is your trusted partner. Visit us at 204 W Thayer Ave Bismarck Nd 58501 or call (701) 255-0042 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

Members' savings are secured through $190,384,689 in share certificates and $94,397,518 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,396,131, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our strong operational efficiency is reflected in our $2,187,893, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 136 full-time employees and 23 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Future

With $95,404,509 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $4,128 in used auto loans and $610,086,375 in total loans and leases.

Solid Financial Health

With a net worth of $103,298,247, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.94% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $58,705,595 in used vehicle loans and $13,932,272 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates that make owning a vehicle easier than ever.

Business Loans

For business owners, our outstanding commercial loans totaling $269,510,201 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to supporting your entrepreneurial journey. If you're considering refinancing any existing loans or exploring eligibility options, our team is ready to assist you. We believe in providing transparent information so you can make informed decisions about your finances. Visit us at 204 W Thayer Ave Bismarck Nd 58501, Bismarck, ND, or call us at (701) 255-0042 to learn more about how our loan offerings can help you achieve your financial dreams. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $52,849,007, make buying or refinancing simple. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,771,976 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards programs that can enhance your spending power while keeping your budget in check.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach ensures that users receive fair and transparent offers without hidden terms or conditions. LendMesh emphasizes several key benefits: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the reliability and effectiveness of this tool in navigating the complex world of loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

CAPITAL CREDIT UNION - Bismarck, ND

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