Credit Union Difference

We're sort of like other financials. Only better in a lot of ways.

Basically, North Dakota is made up of two types of organizations. One is focused on turning a profit. The other is focused on serving individuals and their communities. We're proud to be part of the second category. Our not-for-profit status means we can take all the extra money we earn and return it to our members in the form of lower rates on loans and higher returns on deposits.
 

Credit Union Facts

  • A credit union is a not-for-profit financial institution made up of people who share a common bond. In some cases, they have the same employer. In other cases, they live in the same communities or belong to the same churches.
  • For a $25 deposit into a Share Savings Account, you become a member of Capital Credit Union. In reality, you're a part-owner of the institution.
  • Members have an equal voice in deciding how the credit union is managed. Officers, directors, and committee members are elected by the members and serve as volunteers.
  • In addition to offering a full range of financial services, credit unions take pride in educating their members and making them wiser consumers of educational services. We do this through information on our website, through pamphlets and other publications, and through person-to-person financial counseling sessions with our members.
  • Credit unions are also heavily involved in the communities they serve, offering sponsorship of events, volunteer services, and scholarships to students, among other things.