When people choose a financial institution, they often start by asking, "Is there a convenient location? Can I manage my money online? Does it offer the accounts and loans I need?"
There is another question worth asking. Who is the institution built to benefit?
At Capital Credit Union, the answer is its members.
A $25 deposit into a Share Savings Account establishes membership and makes that member a part-owner of the credit union. Members have a voice in how the institution is managed, electing the officers, directors, and committee members who serve in volunteer roles.
Ownership Changes the Relationship
Capital Credit Union is a not-for-profit financial institution. Instead of generating profits for outside shareholders, it returns them to members through benefits such as lower rates on loans and higher returns on deposits.
That member-owned structure supports a mission: "To be the trusted financial resource that puts members first." Its values, Vision, Integrity, Caring, and Knowledge, help guide how employees serve members and the communities they call home.
The organization's history stretches back to 1936, when approximately 20 federal and state employees organized Capitol Employees Credit Union in Bismarck. By the end of that first year, the credit union had 33 members and $330.62 in assets. Ninety years later, Capital Credit Union serves more than 33,000 members across North Dakota.
Its Fargo story began in 2012 with a merger involving Noridian Employees Credit Union and the opening of the Fargo 13th Avenue Branch. The Veterans Boulevard Branch followed in April 2020, and the new Fargo Central Branch opened at 3137 32nd Ave. S. in January 2026. Today, those three locations give Fargo-area members several ways to connect with a local team.
