Best Auto Loans & Mortgage Refinancing | Capital Fargo ND Credit Union

Introduction

Welcome to Capital at our Fargo branch, located conveniently at 3216 Veterans Blvd S, Fargo, ND 58104. Since opening our doors in 1939, we have proudly served our community with a commitment to providing exceptional financial services tailored to the needs of our members. With a total membership of 32,188 and assets exceeding $798 million, we stand as a reliable partner in your financial journey. At Capital, we believe that strong relationships build stronger communities. Our dedicated team, led by CEO Jon Griffin and Board President Faye Miller, works tirelessly to support our members' goals whether you're looking for auto loans, mortgages, or personal banking solutions. We understand that every member's needs are unique, which is why we offer a variety of services including checking and savings accounts, credit cards with rewards, and business banking options. While you can visit us at our branch for personalized service, please note that official correspondence should be sent to the same address: 3216 Veterans Blvd S, Fargo, ND 58104-3341. Our friendly staff is here to assist you during our lobby hours from 8:30 AM to 5:00 PM on weekdays, and we also provide drive-thru services starting at 7:30 AM. With a net worth of $103 million and cash in hand totaling $6.4 million, Capital is well-positioned to serve your financial needs. We encourage you to reach out via phone at 701-282-2139 or explore our offerings online at capcu.org. Whether you're a long-time member or new to our community, we invite you to discover how Capital can help you achieve your financial dreams. Join us today!

Branch History & Mission

Community Engagement

Capital is not just about numbers; it's about people. We take pride in being actively involved in local initiatives and partnerships that uplift our community. From sponsoring local events to supporting educational programs, we are committed to making a real impact right here in Fargo. In addition to traditional banking services, we've embraced digital advancements to serve you better. Our online banking platform allows members to manage their finances conveniently from anywhere. With features like mobile payments and e-statements, we ensure that banking is simple and efficient.

Join Us

We invite you to become part of the Capital family. Experience firsthand the benefits of membership where your financial success is our priority. Stop by today or give us a call at 701-282-2139 for more information on how we can help you achieve your financial goals. Together, let's build a brighter future for our community!

Our Mission

Our mission at Capital is straightforward: We strive to enhance the financial well-being of our members while contributing positively to the communities we serve. We believe that everyone deserves access to quality financial products, and we work tirelessly to make that happen. Whether it's through personal banking options like checking and savings accounts, auto loans, or mortgage financing, we prioritize our members' needs every step of the way. While you can visit us at 3216 Veterans Blvd S, official correspondence should be sent to 3216 Veterans Blvd S, Fargo, ND 58104-3341 if needed. We understand that convenience matters, which is why we offer both ATM access and drive-thru banking services for those on the go.

Branch Location & Accessibility

Get in Touch

Ready to experience the benefits of membership with Capital? Feel free to give us a call at 701-282-2139 or simply stop by our branch today! Our dedicated team is excited to assist you with all your banking needs in a welcoming environment. We look forward to seeing you soon!

Nearby Landmarks and Accessibility

Situated in the heart of Fargo, our branch is easily accessible from nearby attractions like the popular Fargo Air Museum and the scenic Red River Valley Fairgrounds. This central location ensures that you can visit us without hassle. We offer ample parking for your convenience, including accessible spots for those who need them. Our branch is fully ADA compliant, featuring ramps and other accommodations to ensure that everyone can enjoy our services comfortably.

Operating Hours and Services

At Capital, we understand that your time is valuable. That's why we provide extended hours to serve you better. Our lobby hours are Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. If you're in a rush, our drive-thru service opens earlier at 7:30 AM on weekdays and also operates on Saturdays until 1:00 PM. We're here to meet all your banking needs with a wide range of services, including checking and savings accounts, auto loans, mortgages, personal loans, business banking options, and much more. Plus, with ATM availability on-site, you can easily manage cash withdrawals and balance checks whenever you need.

Member Eligibility

At Capital, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming! If you live, work, or go to school in the Fargo area, you're already on your way to joining us. We also invite family members of current members to be part of our credit union family. The perks are plenty: enjoy competitive rates on loans, access to personalized financial services, and a dedicated team ready to support your financial journey. To start your membership, just visit us at 3216 Veterans Blvd S Fargo Nd 58104 or give us a call at (701) 282-2139. For more detailed information about eligibility criteria, feel free to check out our resources here. We're excited to help you open an account and start enjoying all the benefits that come with being part of Capital!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having a partner that simplifies payment processing while enhancing customer experience. Our merchant services help businesses like yours accept payments easily and securely. From in-store transactions to online sales, we ensure you have the tools to thrive in today's competitive market. Located at 3216 Veterans Blvd S Fargo Nd 58104 in Fargo, ND, our team is ready to assist you. Reach out at (701) 282-2139 to learn how we can help your business flourish!

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

Entrepreneurs will find valuable resources in our business banking services. From merchant services that simplify transactions to business loans designed to help grow your company, we are here to support your business ambitions.

Convenient Access

We prioritize convenience in all aspects of banking. Our ATM services allow for easy cash withdrawals and balance checks whenever you need them. For quick transactions, utilize our drive-thru banking option for deposits and withdrawals without leaving your vehicle.

Digital Services

Embracing modern technology, Capital offers robust online and mobile banking platforms. Whether it's transferring money between accounts or making person-to-person payments, our digital services ensure that managing your finances is straightforward and efficient. Our team is ready to assist with any questions about these services or how they can benefit you personally. To learn more about how Capital can support you financially or if you're ready to get started with any of our offerings, don't hesitate to reach out! Call us at (701) 282-2139 or visit us today at 3216 Veterans Blvd S Fargo Nd 58104 in Fargo, ND** we're excited to help you achieve your financial goals!

Loans and Financing

For those looking to make significant purchases or consolidate debt, Capital offers competitive auto loans and vehicle financing options. Picture yourself driving off in a new car with an affordable loan that fits within your budget. We also provide mortgage loans and refinancing solutions, helping you achieve the dream of homeownership or lower your monthly payments. If you're dealing with unexpected expenses, our personal loans can give you the financial flexibility you need. Plus, our credit cards come with rewards that can benefit you every time you use them.

Personal Banking

When it comes to personal banking, we provide checking and savings accounts tailored to fit your lifestyle. Imagine having the convenience of online banking at your fingertips, allowing you to manage your finances from the comfort of your home. With features like electronic statements and mobile payments, staying on top of your budget has never been easier.

Digital & Online Banking

At Capital, we understand that convenience and security are key to your banking experience. That's why we offer a robust suite of digital and online banking services designed to make managing your finances as easy as possible, anytime and anywhere. You can get started with our user-friendly online banking platform by visiting https://www.capitalcu.com/. With just a few clicks, you can view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Need to sign important documents? No problem! Our electronic signature authorization feature allows you to sign forms securely without having to visit the branch in person. Want to keep track of your finances efficiently? Our e-statements feature ensures you have quick access to your account statements right in your inbox, reducing clutter while helping you stay organized. Plus, with our mobile application, available for both iOS and Android devices, you can manage your accounts wherever life takes you. If you're someone who enjoys the ease of mobile payments, you'll be pleased to know that we support this feature too. Make purchases with just a tap of your phone it's fast, secure, and hassle-free! Looking for an easy way to send money to friends or family? Our person-to-person transfer service makes it simple to send money directly from your account without needing cash or checks. Finally, enjoy peace of mind knowing that our online banking services are available 24/7. Whether it's early morning or late at night, you can access your accounts whenever it suits you best. At Capital, we're committed to providing you with accessible and real-time account management tools that fit into your busy lifestyle. Join us today and experience the convenience of modern banking!

Financial Strength

Growing Member Base

Total Share 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. 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 3216 Veterans Blvd S Fargo Nd 58104 or call (701) 282-2139 to learn more about how we can help you achieve your financial goals.

Investing in Our Members

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 commitment to supporting your financial goals is further highlighted by our lending capacity; we currently have $4,128 in used auto loans and $610,086,375 in total loans and leases.

Operational Efficiency

Our operational efficiency is reflected in our $2,187,893, 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.

Secure Savings Opportunities

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.

Solid Financial Foundation

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. Whether you're purchasing a new or used vehicle, we provide flexible terms designed to suit your budget.

Business Loans

For business owners looking to expand or invest in growth opportunities, our outstanding commercial loans totaling $269,510,201 provide the capital needed to move forward confidently. Our team at Capital is committed to ensuring you have access to the right financing solutions for your needs. For more information about any of our loan offerings or to discuss your options further, feel free to reach out at (701) 282-2139. 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 goals!

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, our credit cards come with rewards and benefits that fit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $52,849,007, making it easier for you to take that important step into homeownership. If you have questions about refinancing or eligibility options, our team is ready to assist you in navigating the process.

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CAPITAL CREDIT UNION - Fargo, ND

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