Loan Rates
Rates accurate as of April 1, 2025, and subject to change without notice. Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history.
Mortgage Loans
For current rates, call our Mortgage Services Team at 701.255.0042.
Fixed Rate Loans
| Loan | Annual Percentage Rate Range |
|---|---|
| New and Used Auto | 5.29%¹ to 20.30% |
| Boat, RV, Motorcycle, ATV, Etc. | 5.99%¹ to 23.30% |
| Share Secured | 2.00% |
| CD Secured | 2.00% over CD Rate |
| Home Equity Line of Credit INTEREST ONLY (5-year term) | 9.50% to 18.25% |
| Home Equity Line of Credit (10-year term) | 7.49%² to 18.00% |
| Home Equity Line of Credit (15-year term) | 8.24% to 18.35% |
| Home Equity Loan (5-year term / 90% LTV) | 7.74% to 17.25% |
| Home Equity Loan (5-year term / 80% LTV) | 7.49% to 16.75% |
| Home Equity Loan (10-year term / 90% LTV) | 8.24% to 17.50% |
| Home Equity Loan (10-year term / 80% LTV) | 7.99% to 17.00% |
| Home Equity Loan (15-year term / 90% LTV) | 9.04% to 18.00% |
| Home Equity Loan (15-year term / 80% LTV) | 8.79% to 17.50% |
| New Manufactured Homes (Additional Requirements) | 7.00% to 10.50% |
| Used Manufactured Homes (Additional Requirements) | 7.50% to 10.75% |
LTV = Loan-to-Value Ratio
1Annual Percentage Rate of 5.29% is available up to 36 months at $30.10 per $1,000 borrowed per month for qualified borrowers. Annual Percentage Rate of 5.99% is available up to 36 months at $30.42 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.
2Promotional rate available April 1-June 30, 2025, subject to change and credit approval. The rate displayed is a 10-year fixed-rate term, based on top tier credit approval, less first mortgage balance. Annual Percentage Rate of 7.49% available up to 120 months at $11.86 per $1,000 borrowed. Cannot be combined with other discounts. Closing costs may range from $250-$1,400. Minimum loan amount must be greater than $5,000. Rates may vary depending on each individual's credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.
Variable Rate Loans
| Loan | Annual Percentage Rate Range |
|---|---|
| Home Equity Line of Credit INTEREST ONLY (5-year term) | 8.25% to 16.50% |
| Home Equity Line of Credit (10- or 15-year term) | 7.00% to 12.50% |
| Unsecured - Signature Loan/Line | 12.75% to 22.00% |
| Visa with Rewards | Click for details |
| Visa without Rewards | Click for details |
“Tyler Artlip is awesome, knowledgeable and respectful, and gets the best options for us. We appreciate his candor.”
“Will was the best loan officer and took care of everything. He was very friendly every time I walked into the Northwest Branch.”
“The knowledgeable employees are what make working with Capital Credit Union a great experience.”
“The service we receive is outstanding! From our home loan to everyday needs, we always get great service.”
“I have worked with Lauren Vandal a few times and she is absolutely fantastic. I just referred a friend her way and he was extremely satisfied as well.”
“Normally we work with Kari who we LOVE but she was not there, and Loren stepped right in and got everything we needed done right away!! Awesome customer service!!!”