Loan Rates
Rates accurate as of Jan. 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 | 4.99%¹ to 20.75% |
| Boat, RV, Motorcycle, ATV, Etc. | 4.99%¹ to 23.75% |
| 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
1Promotional rate available starting Jan. 1, 2025. Rate of 4.99% available up to 60 months at $18.87 per $1,000 borrowed. 4.99% rate reflects a 0.25% discount for loan being set up on autopay. Final rate will never be lower than 4.99% APR. Rates vary based on loan term and credit history/qualifications. Offer is limited to one consumer auto or recreational vehicle loan and does not apply to loans already financed with Capital Credit Union. Verification of current rate required upon application. Terms, rates and conditions may vary and are subject to change without notice. Cannot be combined with other promotional rates or offers. Other restrictions may apply. All loan rates and terms are subject to credit approval. Promotion may end without notice. Fees 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 |
Capital Credit Union is a full-service financial institution with locations in Bismarck, Mandan, Fargo, 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.”
“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!!!”