Affordable Vehicle Loans & Business Banking | Capital Bismarck ND Credit Union

Introduction

Welcome to Capital, your trusted financial partner located at 1550 Burnt Boat Dr, Bismarck, ND 58503. Established in 1939, we have proudly served our community for over 80 years, building a reputation for reliability and personalized service. With a total membership of 32,188 and assets reaching an impressive $798,011,260, we are committed to providing you with the best financial solutions tailored to your needs. At Capital, we understand that managing finances can be daunting. That's why our dedicated team, led by CEO Jon Griffin and Board President Faye Miller, is here to guide you every step of the way. Our friendly staff of 159 employees is always ready to assist you with services ranging from personal banking like checking and savings accounts to auto loans, mortgages, and business banking solutions. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 2096, Bismarck, ND 58502. Our commitment to the community goes beyond just numbers. We believe in empowering our members through education and support, helping you make informed decisions about your financial future. With total deposits of $7,102,635 and a net worth of $103,298,247, we maintain a solid foundation that ensures your money is safe with us. Whether you're looking for guidance on loans (with a total of 19,278 already issued) or need assistance with online banking features like mobile payments and e-statements, we're here for you. You can reach us at 701-255-0042 during our lobby hours from 9:00 AM to 5:00 PM or drive-thru services starting as early as 7:30 AM. Discover how we can support your financial journey today! Visit us or call for more information about how Capital can serve you better.

Branch History & Mission

Community Engagement

We recognize that being part of the community means actively contributing to its well-being. Through partnerships with local organizations and outreach programs, we aim to make a positive impact on the lives of those we serve. Whether it's through financial education workshops or sponsoring community events, Capital is dedicated to uplifting those around us. In addition to our commitment to service, we also prioritize convenience for our members. With operating hours designed for busy lifestyles lobby hours from 9:00 AM to 5:00 PM Monday through Friday and drive-thru services starting as early as 7:30 AM we ensure that accessing your funds is hassle-free. Plus, with ATM availability at our branch and online banking options like mobile payments and e-statements, managing your finances has never been easier.

Join Us

As we look toward the future, we invite you to become part of the Capital family. Experience firsthand how we can help you navigate your financial journey while being an active participant in your community's development. Together, let's build a brighter tomorrow. To learn more about joining us or exploring our services further, feel free to give us a call at 701-255-0042 or visit our website at Capital Credit Union. Your journey toward financial empowerment starts here!

Our Journey

From our humble beginnings, Capital has continuously evolved to meet the changing needs of our members. Over the decades, we've expanded our offerings and embraced technology while maintaining a personal touch. Today, with total assets exceeding $798 million, we are equipped to provide an array of financial services tailored to our members' unique needs. Our mission is clear: we strive to empower individuals and families by offering accessible financial solutions and fostering community growth. We believe that everyone deserves the opportunity to achieve their financial goals. This commitment drives us to provide not just excellent financial products but also support for local initiatives that enhance the quality of life in Bismarck and beyond.

Branch Location & Accessibility

Accessibility Features

At Capital, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and wide doorways to make it easier for everyone to access our services. Ample parking is available right outside, so you won't have to worry about finding a spot when you visit us.

Banking Services

Our branch provides a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. You can also take advantage of our ATM for cash withdrawals and balance checks whenever you need them. And with our drive-thru banking option, handling deposits or simple transactions has never been easier. While members can visit us at 1550 Burnt Boat Dr Bismarck Nd 58503, official correspondence should be sent to PO Box 2096, Bismarck, ND 58502. Ready to experience friendly service and convenient banking? Give us a call at 701-255-0042 or stop by Capital today! We look forward to welcoming you!

Operating Hours

We understand that life can get busy, which is why we offer flexible hours to suit your schedule. Visit us Monday through Friday during lobby hours from 9:00 AM to 5:00 PM or utilize our drive-thru service from 7:30 AM to 6:00 PM for quick transactions without leaving your car. Whether you're stopping by for personal banking needs or looking to apply for a loan, we're here for you!

Member Eligibility

At Capital, we believe that becoming a member means joining a caring and supportive community where your financial well-being is our top priority. If you're looking to be part of something special, eligibility is straightforward and welcoming. We invite individuals who live, work, worship, or attend school in our community to join us. This means if you're connected to the area around 1550 Burnt Boat Dr Bismarck Nd 58503, you're likely already eligible! Plus, we're here to provide you with a range of benefits, including personalized service, competitive rates on loans and savings, and access to various financial resources tailored just for you. Getting started with your membership at Capital is easy. All you need to do is reach out to us at (701) 255-0042 or visit our website for more information on how to open an account. You can also check out the detailed eligibility criteria at this link for the most current information. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

In today's fast-paced world, efficient payment processing is crucial. Our merchant services are designed to make transactions smooth and secure. Imagine a busy coffee shop using our point-of-sale systems to quickly handle customer payments while keeping track of inventory. This not only saves time but also enhances the overall customer experience. Visit us at 1550 Burnt Boat Dr Bismarck Nd 58503, Bismarck, ND, or call us at (701) 255-0042 to learn more about how our business banking and commercial services can elevate your business. Your success is our priority!

Comprehensive List Of Services

Additional Services

We also offer basic drive-thru banking for simple transactions like deposits and withdrawals for those who prefer face-to-face interactions without leaving their vehicle. And if you're ever in doubt about your account status or need quick cash access, our basic ATM services will serve you well too. At Capital, located at 1550 Burnt Boat Dr Bismarck Nd 58503 in Bismarck, ND, we strive to create a welcoming environment where you feel valued as a member. For more information or assistance with any of these services, don't hesitate to reach out by calling us at (701) 255-0042. Come visit us today and discover how we can support you in achieving your financial goals!

Business Services

If you're a business owner, you'll appreciate our Business Banking services, including merchant services and business loans that support your entrepreneurial spirit. We want to see your business thrive and will work alongside you in achieving that goal.

Credit Options

Don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases. This means every time you swipe, you're moving closer to exciting rewards!

Digital Convenience

In today's fast-paced world, having access to your finances anytime is crucial. Our robust Online & Mobile Banking options provide a secure way to manage your accounts from anywhere. You can easily transfer funds, pay bills, and check balances at your convenience. Plus, with our ATM and cash withdrawal services available, accessing cash has never been easier.

Home Financing

For those dreaming of homeownership or looking to refinance an existing mortgage, our Mortgage Loans & Refinancing services are ready to assist. We aim to simplify the process and offer competitive rates that fit your budget.

Personal Banking

Our Personal Banking services include checking and savings accounts designed to make managing your money straightforward. If you're planning to buy a new car, our Auto Loans & Vehicle Financing options can get you on the road quickly without breaking the bank. We understand that life can be unpredictable, so when unexpected expenses arise, our Personal Loans & Debt Consolidation services can help you regain control over your finances.

Digital & Online Banking

Key Features

Our online banking includes features like electronic signature authorization, allowing you to sign documents securely without the hassle of paperwork. You can also opt for e-statements, which provide a quick and eco-friendly way to keep track of your account activity. Enjoy the ease of mobile payments, making transactions as simple as a tap on your phone.

Mobile Application

With our user-friendly mobile application, managing your accounts is easier than ever. Check balances, transfer funds, and pay bills right from your smartphone. Plus, if you need to send money to friends or family, our person-to-person transfer feature lets you do that quickly and safely.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information while using our online services. Our platform is designed with you in mind it's intuitive and straightforward, making it easy for anyone to navigate. Whether you're checking your balance or setting up a payment plan, you'll find everything you need at your fingertips. In summary, Capital provides all the tools necessary for effective account management in a secure online environment. Experience the future of banking today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 88,860, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further illustrates our commitment to maintaining a sound financial structure. 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 1550 Burnt Boat Dr Bismarck Nd 58503 or call (701) 255-0042 to learn more about how we can help you achieve your financial goals.

Investment in 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 is robust as evidenced by $4,128 in used auto loans and $610,086,375 in total loans and leases, supporting members' financial goals across various sectors.

Member Savings Security

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 $5,386,036 reflects our operational efficiency, enabling 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.

Our Financial Overview

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 $1,294 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 provide flexible terms and quick approvals to ensure you can drive away in your new vehicle without hassle.

Business Loans

For business owners, our outstanding commercial loans totaling $269,510,201 provide the capital needed to grow and expand. We understand the challenges businesses face and are here to support you every step of the way. If you're interested in refinancing any existing loans or learning about eligibility options for our various products, please don't hesitate to reach out. To learn more about our loan offerings or to get started today, visit us at our branch located at 1550 Burnt Boat Dr, Bismarck, ND 58503 or give us a call at 701-255-0042. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial aspirations!

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. We work closely with our members to tailor solutions that fit their unique situations.

Unsecured Credit Cards

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. Our credit cards come with no annual fees and rewards programs that make spending more beneficial.

Loan Aggregator

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Ensuring Accurate 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 ensures that all offers presented are fair and transparent.

CAPITAL CREDIT UNION