Auto & RV Loans

Ready for a new ride? Then it's time to turn to us.

Across America, drivers dream about cruising the open road. In North Dakota, no dreaming is necessary. We've got miles and miles of traffic-free highways, country lanes and state routes. And they're all waiting for that great car, SUV, pickup, motorcycle, ATV or RV that we're geared up to help you buy.

Life in the fast lane? That's not how most people would describe North Dakota. But Capital Credit Union does take pride in our speedy auto, boat and RV loan process. Our lending experts will help you with your application, walk you through the financing process and let you know about low-cost ways to protect your investment. Before you know it, you'll be driving off in the vehicle of your dreams.

Are you ready for a better rate? You'll get one with us.
If you have an auto, RV, boat, motorcycle or other consumer loan with another financial institution, move it to Capital Credit Union and we'll lower the rate by 1%  OR MORE!Moving your loan is easy. Apply now at


Auto Loans

  • Get a $100 gas card when you sign5
  • Competitive rates on new and used cars, pickups, SUVs and vans
  • Choose from a wide range of repayment terms
  • Fast, friendly, efficient service

RV, Boat and Motorcycle Loans

  • Personalized service
  • Free estimates on interest rates and monthly payments
  • Rate discounts for Capital Credit Union members1
  • Finance for up to 15 years2
  • Monthly, semi-monthly, payroll deduction and automatic payment options

Affordable Warranty Packages

  • Route 66 for motorcycles and ATVs: From mechanical fixes to major repairs, this comprehensive warranty provides all of the coverage you need without the high price tag.3
  • Guaranteed Auto Protection (GAP): If your vehicle is stolen or damaged beyond repair, GAP pays the difference between your loan balance and the amount you receive from insurance.

1New and used security rates above reflect a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Based on credit qualifications. All loans subject to credit approval. Fees may apply.

2For loan amounts of $25,000 or more; other terms available five based on application qualifications.

3Warranty packages are an additional cost.

4Special offer floor rate is 3.04% Annual Percentage Rate. Offer does not apply to loans already financed with Capital Credit Union, mortgage loans, manufactured home loans or home equity loans. Verification of current rate required upon application. Offer and rates subject to change without notice. Promotion will run through August 31, 2019 and may be discontinued at any time. This promotion cannot be combined with other promotional rates or offers. Other restrictions may apply. All loan rates and terms are subject to credit approval. Based on credit qualifications. Fees may apply.

5A $100.00 gas card will be available for auto loans over $10,000 closed before August 31, 2019, while supplies last. Gas card will be presented upon disbursement of the loan. Does not apply to existing Capital Credit Union loans. This is a limited time offer and may be withdrawn at any time. Other restrictions apply.

When you borrow from Capital Credit Union, you pay interest on the unpaid loan balance. There are no penalties for paying off your loan early. Payment by payroll deduction is also available. Credit Life and Credit Disability Insurance are both offered at a low rate. Interest rates are very competitive with other financial institutions. Several options are also available that offer automatic repayments.

View Consumer Loan Disclosures