Best Auto Loans & Personal Banking | Capital New Salem ND Credit Union

Introduction

Welcome to Capital Credit Union, your trusted financial partner in the heart of New Salem, ND! Located at 316 Main Ave, our branch has been serving our community since 1939. With a commitment to fostering financial wellness, we proudly support over 32,188 members by offering a range of services tailored to meet their unique needs. At Capital, we understand that banking is more than just transactions it's about building relationships and contributing to the community's growth. Our total assets stand at an impressive $798,011,260, reflecting our strong financial health and reliability. We are dedicated to providing our members with exceptional service while maintaining a net worth of $103,298,247 and total deposits of $7,102,635. Our team, led by CEO Jon Griffin and Board President Faye Miller, is passionate about helping you achieve your financial goals. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we have you covered. In fact, we currently manage over 19,278 loans and leases, ensuring that our members have access to the funds they need. While members can visit us at our physical location, official correspondence should be sent to the same address: 316 Main Ave, New Salem, ND 58563. We also offer convenient online services that allow you to manage your accounts anytime, anywhere. With friendly staff available at our branch and resources like online banking and mobile payments at your fingertips, we are here to make your banking experience seamless. Don't hesitate to reach out at 701-843-7504 for any questions or visit us online at capitalcu.com to learn more about how we can assist you today!

Branch History & Mission

At Capital, we take pride in our rich legacy that dates back to 1939 when we first opened our doors in the heart of New Salem, North Dakota. Located at 316 Main Ave, our branch has been a steadfast pillar of support for our community for over eight decades. Throughout the years, we have seen growth and change, but our commitment to serving our members has remained unwavering. Today, with a total membership of 32,188 and assets totaling $798,011,260, we continue to thrive as a trusted financial partner. Our mission at Capital is clear: to provide exceptional financial services while fostering a sense of community. We believe that everyone deserves access to quality banking solutions that empower them to achieve their goals. Whether it's through personal banking options like checking and savings accounts or loans for vehicles and homes, we strive to make a positive impact in the lives of those we serve. As we evolved over the years, we've embraced advancements in technology to better meet the needs of our members. With features like online banking and mobile payments available, managing finances has never been easier or more accessible. We also ensure that our facilities are ADA compliant so that everyone can enjoy our services comfortably. While members can visit us at 316 Main Ave for their banking needs, official correspondence should be sent to the same address: 316 Main Ave, New Salem, ND 58563. Our lobby hours are Monday through Friday from 8:30 AM to 4:30 PM. Although we do not currently offer drive-thru service, we do have an ATM available for your convenience. In addition to providing financial services, we actively engage with local organizations and charities through partnerships and community outreach efforts. We believe in giving back and supporting initiatives that uplift those around us. Join us at Capital and become part of a community-focused credit union dedicated to your financial well-being. Experience firsthand how we can help you reach your financial dreams! For more information or assistance, feel free to contact us at 701-843-7504. We look forward to welcoming you!

Branch Location & Accessibility

Operating Hours

We understand that your time is valuable. That's why our lobby hours are tailored to fit your busy schedule. Join us Monday through Friday from 8:30 AM to 4:30 PM. If you have any questions or need assistance during these times, don't hesitate to give us a call at (701) 843-7504.

Parking and Accessibility

Finding us is easy, with ample parking available right outside our doors. Our branch is designed to be accessible for everyone, featuring ADA-compliant entrances and pathways, ensuring that all members can access our services without any hassle.

Services Offered

At Capital, we offer a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage options, our team is ready to help you find the right solutions. Plus, if you're ever in need of cash, we have an ATM available for your convenience. While members can visit us at 316 Main Ave New Salem Nd 58563, official correspondence should be sent to 316 Main Ave, New Salem, ND 58563 if it differs from our branch location. We're excited to welcome you at Capital Credit Union in New Salem! Stop by today or reach out via phone if you have any questions. Your financial journey starts here!

Member Eligibility

At Capital, we believe that joining our community is about more than just banking; it's about belonging. If you're looking to become a member, you'll be pleased to know that our eligibility requirements are designed to be welcoming and straightforward. We invite individuals who live, work, or attend school in the area to join us. Whether you're a first-time account holder or looking to switch your banking needs, you'll find that our services cater to everyone. Plus, being a member means gaining access to a range of benefits like personalized service, competitive rates on loans, and various financial products tailored just for you. Getting started with your membership is easy! Simply visit us at 316 Main Ave New Salem Nd 58563 or give us a call at (701) 843-7504 for more information. For detailed eligibility criteria. We're excited to welcome you into the Capital family!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, our merchant services are designed to make transactions easier for you and your customers. Whether you're a retail store or a service provider, our tools can help streamline payment processes, allowing you to focus on what matters most growing your business. Located at 316 Main Ave New Salem Nd 58563 in New Salem, ND, we are here to partner with you on your journey toward success. Contact us today at (701) 843-7504 to learn more about how we can help your business flourish!

Our Lending Commitment

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 Solutions

For the entrepreneurs out there, our Business Banking services are designed to support your journey. From merchant services that simplify transactions for your customers to business loans that fuel growth, we're here to help turn your business dreams into reality.

Connect with Us

We invite you to visit us or give us a call at (701) 843-7504 if you have any questions about our services or how we can assist you in reaching your financial goals. At Capital, we pride ourselves on being more than just a credit union; we are your financial partner committed to helping you thrive. Explore the possibilities with us today!

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features ensure that you have access to your accounts anytime, anywhere. Need to check your balance? Transfer funds? Or even deposit checks from the comfort of your home? Our digital tools make it simple and secure. And don't forget about our ATM services available 24/7 for cash withdrawals or balance checks when you're on the go.

Loans Tailored for You

Life sometimes throws unexpected expenses your way. That's where our personal loans and debt consolidation solutions come into play. Picture this: you have medical bills piling up or need to make a significant purchase. With our flexible personal loan options, you can tackle those challenges head-on without stress. Plus, our credit cards with rewards allow you to earn benefits on everyday purchases making each dollar work harder for you.

Personal Banking Made Easy

Our Personal Banking services include everything from checking and savings accounts that help you manage daily expenses to auto loans and vehicle financing designed to get you behind the wheel without breaking the bank. Imagine driving off in a new car with an affordable loan that fits your budget perfectly. We also offer mortgage loans and refinancing options to help you secure a comfortable home at a competitive rate.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform is user-friendly and packed with features to help you manage your money effortlessly. You can access e-statements whenever you need them, making it easy to keep track of your transactions without the clutter of paper statements. Plus, our electronic signature authorization allows you to sign documents securely online, saving you time and hassle. If you're always on the go, our mobile application brings the bank right to your pocket. With just a few taps, you can check your account balance, transfer funds, or even make person-to-person payments seamlessly. Whether you're paying back a friend or splitting dinner costs, our person-to-person transfer feature makes it quick and simple.

Secure Transactions at Your Fingertips

Security is our top priority at Capital. You can rest easy knowing that your personal information is protected while using our mobile payments feature. We use advanced security measures to ensure that every transaction is safe, giving you peace of mind as you navigate your financial world. In today's fast-paced life, having access to real-time account management tools is essential. Our online banking services allow you to monitor your accounts closely and make informed decisions about your finances. With everything designed with ease-of-use in mind, managing your money has never been more straightforward. Join us at Capital today and experience the convenience of digital and online banking that puts you in control!

Financial Strength

A Growing Community

We have established trust within our community with a total of 88,860 accounts showing that many members rely on us for their financial needs. 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 316 Main Ave New Salem Nd 58563 or call (701) 843-7504 to learn more about how we can help you achieve your financial goals.

Investments 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. This commitment allows us to support your financial goals effectively.

Lending Capacity

Our lending capacity is robust with $4,128 in used auto loans and $610,086,375 in total loans and leases. This means we are well-positioned to help you achieve your dreams whether it's purchasing a vehicle or securing funds for other important needs.

Member-Focused 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 $2,187,893 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 136 full-time employees and 23 part-time employees who are dedicated to serving you with knowledge and care.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options designed for everyone.

Business Loans

For business owners, our outstanding commercial loans totaling $269,510,201 provide the capital needed to grow and expand. We support local businesses with tailored lending solutions that help turn ideas into reality.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $52,849,007, we can guide you through the process of securing a mortgage that fits your budget and lifestyle.

Refinancing Options

If you're looking to refinance any existing loans or explore eligibility options for our various loan products, our team is here to assist you every step of the way. We prioritize clear communication and personalized service to ensure you find the right solution for your financial situation. For more information on our loan offerings or to speak with one of our knowledgeable representatives, feel free to give us a call at 701-843-7504. You can also visit us online at Capital for additional resources. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $8,771,976 in loans available, these credit cards help members manage their finances effectively without the need for collateral.

Loan Aggregator

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CAPITAL CREDIT UNION - New Salem, ND

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