Loan Rates
Rates accurate as of Sept. 1, 2024, 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* | 5.99% to 21.00% |
| Boat, RV, Motorcycle, ATV, Etc.* | 6.69% to 24.00% |
| 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) | 7.99% 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
*Rates 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.
Variable Rate Loans
| Loan | Annual Percentage Rate Range |
|---|---|
| Home Equity Line of Credit INTEREST ONLY (5-year term) | 9.25% to 17.50% |
| Home Equity Line of Credit (10- or 15-year term) | 8.00% to 13.50% |
| Unsecured - Signature Loan/Line | 13.75% to 23.00% |
| Visa with Rewards | Click for details |
| Visa without Rewards | Click for details |
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.”
“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.”