Best Auto Loans & Business Banking | Capital Bismarck ND Credit Union

Introduction

Welcome to Capital Credit Union, your trusted financial partner located at 3103 Yorktown Dr Suite 3, Bismarck, ND 58503. Since our establishment in 1939, we have been dedicated to serving our community with integrity and commitment. With a total membership of 32,188, we pride ourselves on being more than just a credit union; we are a community that supports each other in achieving financial success. At Capital, we manage assets totaling $798,011,260 and offer a variety of services tailored to meet the needs of our members, including personal banking, auto loans, mortgages, and business banking solutions. Our team is here to help you navigate your financial journey with confidence. Led by CEO Jon Griffin and Board President Faye Miller, our experienced staff of 159 employees is committed to providing exceptional service and personalized assistance. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2096, Bismarck, ND 58502. With a net worth of $103,298,247 and total deposits reaching $7,102,635, you can trust that your finances are secure with us. We also maintain cash reserves of $6,421,353, ensuring we are well-prepared to support our members. We invite you to explore the wide range of services we offer. Whether you're looking for checking accounts, savings options, or loan products with over 19,278 loans and leases facilitated you'll find what you need right here at Capital. Feel free to reach out to us at 701-255-0042 or visit our website at Capital Credit Union for more information. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of the Capital family. Experience firsthand how we can help you achieve your financial goals while making a difference in our community. Stop by during our operating hours Monday through Friday from 9:00 AM to 7:00 PM and Saturday from 9:00 AM to 1:00 PM or give us a call at (701) 255-0042. Together, let's build a brighter future!

Mission Statement

At Capital, our mission is simple yet profound: to enhance the quality of life for our members by providing exceptional financial services with a focus on integrity and community support. We believe that everyone deserves access to fair financial opportunities. This principle drives us in every decision we make and in every interaction we have. We are deeply committed to giving back to the Bismarck community through various outreach initiatives and partnerships with local organizations. Whether it's sponsoring local events or supporting educational programs, we strive to make a positive impact beyond just banking. While members can visit us at 3103 Yorktown Dr Suite 3 Bismarck Nd 58503, official correspondence should be sent to PO Box 2096, Bismarck, ND 58502.

Our Journey

From our humble beginnings, Capital has evolved significantly. We opened our doors during a time when local communities needed accessible financial services the most. Over the decades, we have expanded our offerings to include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. Each milestone reflects our mission to empower individuals and businesses alike through personalized financial solutions. Our team continuously seeks innovative ways to serve you better. We are proud to offer modern conveniences like online banking, mobile payments, and e-statements. These digital advancements allow us to provide secure and efficient services while keeping your needs at the forefront of everything we do.

Branch Location & Accessibility

Accessibility and Parking

At Capital, we strive to make your visit as smooth as possible. Our location offers ample parking, making it easy for you to stop by. The branch is fully ADA compliant, featuring ramps and other accessibility features to ensure everyone can comfortably access our services.

Operating Hours

We know that your time is valuable. That's why our lobby is open Monday through Friday from 9:00 AM to 7:00 PM and on Saturday from 9:00 AM to 1:00 PM. If you prefer the drive-thru option, we offer service from 7:30 AM to 7:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays.

Services Offered

At Capital, we provide a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM availability right here at the branch and basic drive-thru banking options for deposits and withdrawals, managing your finances has never been easier.

Visit Us Today!

If you're in the area or just passing through Bismarck, we invite you to stop by our branch. Feel free to give us a call at 701-255-0042 if you have any questions or need assistance before your visit. We look forward to serving you!

Member Eligibility

At Capital, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is as easy as reaching out and seeing if you qualify! Typically, eligibility includes living, working, or worshipping in the local area, but we encourage you to check our detailed criteria for the most current information at . This way, you'll know exactly what it takes to join our family. Once you're ready, opening an account is a simple process designed with your convenience in mind. Just give us a call at (701) 255-0042 or stop by our branch located at 3103 Yorktown Dr Suite 3 Bismarck Nd 58503. Our friendly team is here to assist you every step of the way. Joining Capital means you'll enjoy personalized services and products tailored to help you achieve your financial goals. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions and keep your cash flow steady. Imagine having the ability to accept payments seamlessly from customers, whether they're paying in person or online. Our tools help you manage sales effectively and give you the freedom to focus on what matters most: growing your business. Located at 3103 Yorktown Dr Suite 3 Bismarck Nd 58503 in Bismarck, ND, we're dedicated to being your trusted partner in business banking. Let us help you turn your vision into reality! For more information, give us a call at (701) 255-0042.

Tailored 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.

Comprehensive List Of Services

Business Banking for Local Entrepreneurs

For business owners, we offer specialized services including merchant services and business loans designed to help you thrive. Whether you're starting a new venture or looking to expand an existing one, our dedicated team is ready to assist you every step of the way.

Convenient Access Anytime, Anywhere

In today's fast-paced world, convenience matters. That's why Capital offers robust online and mobile banking features. Need cash? Our ATM services allow for easy withdrawals and balance checks whenever you need them. For quick transactions like deposits or withdrawals, our basic drive-thru banking service provides an efficient solution without leaving your car.

Credit Cards that Reward You

Looking to earn rewards while you spend? Our credit cards come with attractive rewards programs that can benefit you every time you use them. Enjoy cash back on everyday purchases or travel rewards that can turn your spending into exciting experiences.

Personal Banking Made Easy

Our personal banking services start with checking and savings accounts that fit your lifestyle. Imagine easily managing your finances online or through our mobile app checking balances, transferring money, and paying bills is just a click away. If you're considering purchasing a new car, our auto loans and vehicle financing options can help make that dream a reality with competitive rates and flexible terms. Thinking about buying a home? Our mortgage loans and refinancing options provide the support you need to navigate the housing market confidently. Plus, if life throws unexpected expenses your way, our personal loans and debt consolidation services are here to help you regain control of your finances.

We’re Here for You

We understand that banking should be simple and accessible. With lobby hours from 9:00 AM to 7:00 PM on weekdays and 9:00 AM to 1:00 PM on Saturdays, we're here when you need us most. Have questions? Call us at (701) 255-0042; our friendly staff is always happy to help. At Capital, we are committed to providing comprehensive financial services that empower our members. Explore all we have to offer today! Visit us online at Sunrise or stop by our branch in Bismarck, ND. Your financial future starts here!

Digital & Online Banking

Key Features

Our 24/7 online banking services give you access to your accounts whenever you need it, whether you're at home or on the go. You can check balances, transfer funds, and view transaction history in real-time. Plus, with e-statements available, you can keep track of your financial activity without the clutter of paper statements. Security is a top priority for us. We provide electronic signature authorization to make signing documents simple and safe from anywhere. This means no more trips to the branch just to sign paperwork; you can handle everything online with peace of mind. For those who enjoy the convenience of mobile technology, our mobile application allows you to do all this right from your smartphone. Whether it's making person-to-person transfers or using our mobile payments feature, you can send money or pay for purchases quickly and securely. The ease of using our services ensures that managing your finances fits seamlessly into your lifestyle. With Capital's digital banking options, staying on top of your finances has never been more accessible or enjoyable! For more information about our offerings, visit us at https://www.capitalcu.com/ today.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 88,860, show a strong and growing member base that trusts us with their finances. With Net Shares (Funds available for lending and investments): $0, we're prepared to meet your needs today and into the future. 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 3103 Yorktown Dr Suite 3 Bismarck Nd 58503 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 commitment to efficiency is reflected in our $5,386,036, 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.

Reinvestment in Services

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 with $4,128 in used auto loans and $610,086,375 in total loans and leases available to support your financial goals across various sectors.

Strong 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 $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 competitive rates and flexible terms that can fit any budget.

Business Loans

For business owners, our outstanding commercial loans totaling $269,510,201 provide the capital needed to grow and expand. We understand that each business has its own set of challenges and opportunities; our team is ready to partner with you for success.

Credit Lines

If you're looking for additional flexibility in your spending, we have credit line options available totaling $130,717,941. This provides you with access to funds when you need them most. At Capital, we believe in making finance accessible and straightforward. For more information about our loan offerings or to discuss refinancing options and eligibility criteria, feel free to reach out to us 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're located at 3103 Yorktown Dr Suite 3 Bismarck Nd 58503, and our friendly staff is here to assist you during our operating hours. Let us help you take the next step towards achieving your financial dreams!

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 guide you through the process and help you find the right solution for your situation.

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. This option is great for those looking to consolidate debt or cover unexpected expenses without tying up collateral.

Loan Aggregator

Benefits of Using LendMesh

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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 commitment ensures that all offers presented are fair and transparent. With LendMesh, you can trust that the information you're receiving is both accurate and reliable.

CAPITAL CREDIT UNION