Capital Credit Union Coronavirus (COVID-19) Response

At Capital Credit Union, we are closely monitoring developments from the Centers for Disease Control and Prevention (CDC) as well as the North Dakota Department of Health around coronavirus (COVID-19). Our priority continues to be ensuring the health, safety and well-being of members and employees while preventing or minimizing any interruption of service to our members. As this is a rapidly evolving situation, we will continue to evaluate the best course of action and update this page with the latest information as it is available. 

Capital Credit Union has proudly served members since 1936. Please know, we remain dedicated to meeting your needs through these uncertain times. If you have any questions or concerns, please call us at 701.255.0042 or 1.800.735.6922.
 
All Capital Credit Union branch lobbies are currently open. We ask those who have a fever, cough or shortness of breath, to please refrain from visiting our branches. We’ve also implemented the following policies and procedures:
  • As we will be limiting the number of members allowed in our lobbies at one time, we encourage only members who are completing transactions to enter.
  • Members are encouraged to wear masks when in the branch. Employees in member-facing areas are encouraged to wear masks when not behind plexi-glass barriers.
  • We have added signage and floor decals in our lobbies to encourage social distancing and guide member traffic. We’ve also adjusted our entry and exit points at certain branches to create one-way traffic.
  • Any member with a one-on-one appointment must complete a checklist, which includes questions regarding health and recent travel, prior to their appointment.
  • Hand sanitizer is available at all entrances and plexi-glass barriers have been installed in lender offices and at teller stations. Every other teller station will be used when possible.
  • Coffee stations remain closed and all general-use pens have been removed.
  • Enhanced cleaning procedures have been implemented.

BUSINESS MEMBER UPDATE: 1.13.21: 

The SBA, in consultation with the U.S. Treasury Department, has reopened the Paycheck Protection Program, which helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.

Please be aware of the following:

  • You must complete the entire application, including attesting to this statement: "Current economic uncertainty makes this loan request necessary to support the ongoing operations of the Applicant."
  • For the Second Draw Borrower Application Form, you will need to prove reduction in gross receipts of at least 25% in one quarter of 2020 as compared to 2019, or prove reduction in gross receipts of at least 25% on an annual basis of 2020 as compared to 2019.
  • PPP loans will be forgiven if all SBA-specific criteria is met.

Once complete, email your application along with all required materials to paycheckprotection@capcu.org. We are working diligently with the SBA to process applications. If you have a specific question regarding the PPP, please email pppquestions@capcu.org for the promptest response.

WHAT YOU NEED TO KNOW ABOUT YOUR SECOND ECONOMIC IMPACT PAYMENT: 12.30.2020
  • The Internal Revenue Service and Treasury Department have begun delivering the second round of Economic Impact Payments to millions of Americans who received the first round of payments earlier this year. Direct deposit payments may begin arriving as early as this week for some and will continue into next week. Paper checks will begin to be mailed today, Wednesday, Dec. 30. For information on the second round of Economic Impact Payments and to check your payment status, click here. 
ALL LOBBIES OPEN: 5.11.2020
  • As of Monday, May 11, all Capital Credit Union branch lobbies are open. We ask those who have a fever, cough or shortness of breath, to please refrain from visiting our branches. We’ve also implemented the following new policies and procedures:
    • As we will be limiting the number of members allowed in our lobbies at one time, we encourage only members who are completing transactions to enter.
    • Members are encouraged to wear masks when in the branch. Employees in member-facing areas are encouraged to wear masks when not behind plexi-glass barriers.
    • We have added signage and floor decals in our lobbies to encourage social distancing and guide member traffic. We’ve also adjusted our entry and exit points at certain branches to create one-way traffic.
    • Any member with a one-on-one appointment must complete a checklist, which includes questions regarding health and recent travel, prior to their appointment.
    • Hand sanitizer is available at all entrances and plexi-glass barriers have been installed in lender offices and at teller stations. Every other teller station will be used when possible.
    • Coffee stations remain closed and all general-use pens have been removed.
    • Enhanced cleaning procedures have been implemented.
SIX LOBBIES OPEN: 5.5.2020
  • As of Tuesday, May 5, lobbies at our Main Office and Mandan, Northwest, Hazen, New Salem and Fargo Veterans Blvd. branches are open. Lobbies at our North, South, Sunrise, Beulah and Fargo 13th Ave. branches remain closed, though drive-through service is available and member appointments are available, as necessary. Beulah members are encouraged to use our Hazen Branch.
WHAT YOU NEED TO KNOW ABOUT YOUR ECONOMIC IMPACT PAYMENT: 4.14.2020
  • Economic impact payments will be distributed automatically to most people starting this week. For most taxpayers, payments are automatic, and no further action is needed. This includes taxpayers who filed tax returns in 2018 and 2019 and most seniors and retirees. Stimulus payments will be directly deposited to the account the IRS has on file for a household based on the account to which the last refund check was deposited. If there is no account on file, the IRS will send a check to the home address. If you receive a check by mail, it can be safely deposited to your Capital Credit Union account using the check deposit option on our mobile app or CU Online. For more information from the IRS, click here. Unsure what to do next? Here are six tips:
    • Prioritize: Focus on the bills that keep a roof over your head, the lights on and food on the table. Many utilities and communications providers are working to waive fees, keep the power on and your internet working.
    • Talk With Us: We have seven Certified Credit Union Financial Counselors on staff who will gladly arrange a meeting to address any financial concerns you may have.
    • Save It: Setting aside even $100-200 in your Capital Credit Union savings or checking account can provide a cushion for bills that are coming in a couple of weeks. If you're able to save more, investing your economic impact payment may be a good idea.
    • Don't Hoard Cash: Your funds are safest in your Capital Credit Union account. All deposits at our credit union are federally insured and protected by the National Credit Union Share Insurance Fund.
    • Protect Yourself From Fraud & Scams: There are a lot of bad guys trying to use this crisis to get at your money. Watch out for suspicious emails, texts and phone calls.
    • Pay Your Taxes: The deadline for filing and paying income taxes has been extended to July 15. If you haven't saved to pay them, you may want to consider using the economic impact payment to pay your taxes.
ANNUAL MEETING UPDATE: 3.24.2020
  • Capital Credit Union's 2020 Annual Meeting will be held virtually with Zoom, a free remote conferencing service, at 11:30 a.m. on Friday, April 17.  Click here for more information and connection instructions.
LOBBY CLOSURES: 3.19.2020
  • To do our part to protect our communities, as of Thursday, March 19, all Capital Credit Union lobbies are temporarily closed. Drive-through service is still available, and our Bismarck, Mandan, Fargo, New Salem and Hazen branches are taking member appointments, as necessary. Beulah members are encouraged to use our Hazen Branch. Safe deposit boxes may be accessed via appointment. If you had a previously scheduled appointment with a financial services representative, financial representative, or lender, they will be in touch with you.
  • Investment Representative John Weis is available for phone appointments and in-person meetings, as necessary. If you need to stop by, please call 701.355.7772 or email john.weis_cfsinvest@capcu.org, but know you may experience a short delay in response. 
  • Famers Union Insurance Agent Ryan Schnell can be reached by calling 701.355.7783 or 701.471.9931, or emailing ryan.schnell@fumic.com. Payments can be made via phone or Capital Credit Union's Main Office drive-through.
GENERAL INFORMATION: 3.18.2020
  • We are taking extra steps to keep branches clean, including increased cleaning and sanitizing of workspace and public areas.
    • All counters, pens, workstations/worksurfaces, drive-thru tubes, door handles, etc., are being sanitized every 30 minutes.
  • Employees are being asked to take personal precautions and practice healthy habits, including using hand sanitizer between every member transaction, to help prevent the spread of flu and other illnesses.
  • We are temporarily pausing our free coffee service.
  • Employees are practicing social distancing when possible.
  • We are encouraging conference calls instead of in person meetings, when appropriate.
  • Employees who are able are working remotely and all employees are refraining from coming into the office if they are showing any symptoms of illness.

NOTICE: 1.13.21: The SBA, in consultation with the U.S. Treasury Department, has reopened the Paycheck Protection Program, which helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.

Please be aware of the following:

  • You must complete the entire application, including attesting to this statement: "Current economic uncertainty makes this loan request necessary to support the ongoing operations of the Applicant."
  • For the Second Draw Borrower Application Form, you will need to prove reduction in gross receipts of at least 25% in one quarter of 2020 as compared to 2019, or prove reduction in gross receipts of at least 25% on an annual basis of 2020 as compared to 2019.
  • PPP loans will be forgiven if all SBA-specific criteria is met.

Once complete, email your application along with all required materials to paycheckprotection@capcu.org. We are working diligently with the SBA to process applications. If you have a specific question regarding the PPP, please email pppquestions@capcu.org for the promptest response.

Account access is available anytime through CU Online, and our mobile app, available in the App Store or Google Play. With CU Online and our mobile app, you can view account balances, deposit checks, transfer funds, pay bills, manage your cards and more.

Capital Credit Union also offers 24/7 Contact Center support when you call 701.255.0042 or 1.800.735.6922.

Should you need to access cash, we have 14 Capital Credit Union ATMs in our member communities, and you have free access to another 30,000 ATMs in the CO-OP Network®. You can find your nearest ATM here: https://www.capcu.org/Grow-With-Us/About-Us/Locations-Hours

Investment Representative John Weis is available for phone appointments and in-person meetings, as necessary. If you need to stop by, please call 701.355.7772 or email john.weis_cfsinvest@capcu.org, but know you may experience a short delay in response. 

Famers Union Insurance Agent Ryan Schnell can be reached by calling 701.355.7783 or 701.471.9931, or emailing ryan.schnell@fumic.com. Payments can be made via phone or Capital Credit Union's Main Office drive-through.
Unfortunately, some people and companies are taking advantage of the fear surrounding the spread of coronavirus. Don't let fear cloud your judgment. Be sure to follow these tips to help you protect yourself and your family from fraud: https://www.capcu.org/Learn/Education/Fraud-Protection

Additionally, here are some tips from the Federal Trade Commission: https://www.consumer.ftc.gov/features/coronavirus-scams-what-ftc-doing
Jillian Lagasse
Vice President of Marketing
701.355.7706
jillian.lagasse@capcu.org
World Health Organization (WHO): https://www.who.int/
Centers for Disease Control and Prevention (CDC): https://www.cdc.gov/
North Dakota Department of Health (NDDoH): https://www.health.nd.gov/
U.S. Small Business Administration: https://www.sba.gov/
U.S. Chamber of Commerce: https://www.uschamber.com/