Auto & RV Loans

We know all about going the extra mile.

In a state defined by wide open spaces, our cars, trucks and SUVs are absolutely essential to everyday living. On your travels from here to there (and back again), you'll find a credit union that delivers money-saving rates and pedal-to-the-metal loan processing that gets you into your next vehicle as soon as possible.

Lock in competitive rates
Wide range of repayment terms

Sometimes you're commuting. Sometimes you're lugging kids or cargo. And sometimes, you're just out on the road (or water) to free your mind and have some fun. That's why Capital Credit Union also offers affordable financing for recreational vehicles, motorcycles, boats, snowmobiles and an array of other vehicles.

Auto Loans

  • Rates as low as 5.99% APR¹
  • Fast, friendly, efficient and local service
  • Rate discounts for autopay and active Capital Credit Union checking account2
  • Choose from a wide range of repayment terms

     

RV, Boat & Motorcycle Loans

  • Rates as low as 6.69% APR¹
  • Fast, friendly, efficient and local service
  • Rate discounts for autopay and active Capital Credit Union checking account2
  • Financing for RVs and boats up to 15 years3
  • Free estimates on interest rates and monthly payments
  • Monthly, semi-monthly, payroll deduction and automatic payment options

     

Affordable Warranty Packages & Protection Plans

  • Route 66 for autos, motorcycles and ATVs: From mechanical fixes to major repairs, this comprehensive warranty provides all of the coverage you need without the high price tag.4
  • Guaranteed Asset Protection (GAP) for autos, motorcycles, ATVs, campers, boats, jet skis and snowmobiles: If your vehicle is stolen or damaged beyond repair, GAP pays the difference between your loan balance and the amount you receive from insurance.
  • GAP coverage includes Auto Deductible Reimbursement (ADR): Pays up to $500 per loss (unlimited losses per year for the first three years) when a loss is filed and paid by the auto insurance company for a covered auto the member owns or leases as evidenced by the title, registration or loan document, and is insured under an auto insurance policy designating the member as the named insured. If the member suffers a loss during the benefit period which is covered by the member's auto insurance policy, the member may be entitled to reimbursement of the auto insurance policy deductible amount up to $500 per loss. To be eligible for reimbursement, the member must own or lease and insure the covered auto under an auto insurance policy designating the member as the auto policy named insured.
  • Vehicle Protection Plan (VPP): Key or remote replacement, tire and wheel road hazard protection, paintless dent repair, windshield repair and mroe.

Capital Credit Union is a full-service financial institution with locations in Bismarck, Mandan, Fargo, Beulah, Hazen, New Salem and Flasher, North Dakota.

“Tyler Artlip is awesome, knowledgeable and respectful, and gets the best options for us. We appreciate his candor.”

- Wanda

“Will was the best loan officer and took care of everything. He was very friendly every time I walked into the Northwest Branch.”

- Kenneth

“The knowledgeable employees are what make working with Capital Credit Union a great experience.”

- Casey

“The service we receive is outstanding! From our home loan to everyday needs, we always get great service.”

- Member

¹Rates accurate as of April 1, 2024, and subject to change without notice. Annual Percentage Rate of 5.99% is available up to 36 months at $30.42 per $1,000 borrowed per month for qualified borrowers. Annual Percentage Rate of 6.69% is available up to 36 months at $30.74 per $1,000 borrowed per month for qualified borrowers. Rate reflects 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. Rates vary based on loan term and credit history / qualifications. All loans subject to credit approval. Fees may apply. Cannot be combined with other discounts or offers. Subject to change at any time and without notice.

20.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account.

3For loan amounts of $25,000 or more; other terms available based on application qualifications.

4Warranty packages are an additional cost.

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.

Proof of Insurance is required for auto, boat, camper, motorcycle, ATV, and snowmobile loans. Questions? Please call 877-702-6268.

View Consumer Loan Disclosures