A Financial Institution You Own: Capital Credit Union · Fargo INC!
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A Financial Institution You Own: Capital Credit Union
Capital Credit Union has grown from 33 members in 1936 to more than 33,000 today. Here's how member ownership shapes everything from rates to service
PFargo INC! Partner Studio · Paid content · 5 min read
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.
Doug Lee, Market President
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.
Full-Service
A Capital Credit Union employee reviews paperwork with a member across a desk.
One of the most persistent misconceptions about credit unions is that their services are limited. Capital Credit Union's offerings tell a different story.
Members can choose from checking and savings accounts, certificates of deposit, money market accounts, debit cards, and credit cards. Lending options include auto and recreational vehicle loans, mortgages, home equity loans and lines of credit, and personal loans.
Business owners and agricultural producers can also access business checking and savings accounts, term loans, lines of credit, commercial real estate financing, SBA loans, agriculture loans, business cards, cash-management services and merchant services. Online and mobile tools help members manage their finances wherever they happen to be.
Capital Insurance Services LLC, located inside the Fargo Central Branch, can assist with auto, home, renters, recreational vehicle, umbrella, life, farm, commercial, business auto, and specialty insurance. Capital Credit Union members also have access to investment* and retirement-planning services.
For someone opening a first checking account, financing a vehicle, buying a home, or preparing to launch a business, that range of services means the relationship does not need to end with a single transaction. Capital Credit Union can remain a resource as a member's needs and financial goals evolve.
We don't have to go to other financial institutions for what we need. We can get it all here at Capital Credit Union." — Capital Credit Union member
Building Financial Confidence
Providing accounts and loans is only part of Capital Credit Union's role. Financial education is another important component of the credit-union model.
Members can access financial information, calculators, fraud-prevention resources, credit solutions, and personal financial counseling. These resources are designed to help people understand their options, ask better questions, and make more informed financial decisions.
That commitment extends into the communities Capital Credit Union serves through event sponsorships, volunteer service, and student scholarships. It reflects the idea that a financial institution can do more than process transactions, it can help strengthen the financial health of its members and its community.
Get Up to a $101 Match on Your First Deposit
Now through Sept. 30, receive a match of up to $101 on your first deposit when you open a new Classic, Edge, Edge Teen, or Simple checking account.*
*Offer valid July 6 – Sept. 30, 2026, on any new Classic, Edge, Edge Teen, or Simple checking account. Initial deposit must be new money (funds not currently held by Capital Credit Union in any share or deposit account). Limited to persons ages 13 and older. To become a Capital Credit Union (CCU) member, you must live within 75 miles of Bismarck, Fargo, Hazen, or Flasher, ND; within 50 miles of Beulah or New Salem, ND; or have immediate family who are members living within 50 miles of Bismarck, ND. Not available to any person who has previously had a CCU checking account. Deposit match is considered taxable income, and member will be solely responsible for all federal, state, and local taxes. Matched funds will be deposited into member's CCU checking account 60-70 days after account opening, if member maintains a positive available balance and account remains open. One-time match equals initial deposit only; maximum match of $101. CCU reserves the right to terminate or modify the promotion details at any time. Fees may reduce earnings. Other restrictions may apply. Promotions, programs, rates, terms and conditions are subject to change without notice.
Where to Find Capital Credit Union in Fargo
Capital Credit Union staff gathered in the domed lobby of the Fargo Central branch.
Fargo Central — 3137 32nd Ave. S.
Fargo Veterans Boulevard — 3216 Veterans Blvd.
Fargo 13th Avenue — drive-up only, 4900 13th Ave. S.
*Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Capital Investment Services is a trade name of Capital Credit Union. Osaic Institutions and Capital Credit Union are not affiliated. Products and services made available through Osaic Institutions are not insured by the NCUA or any other agency of the United States and are not deposits or obligations of, nor guaranteed or insured by any credit union or credit union affiliate. These products are subject to investment risk, including the possible loss of value.
What makes a credit union different from a bank? Credit unions are not-for-profit and owned by their members. Instead of paying profits to outside shareholders, Capital Credit Union returns them to members through lower loan rates and higher returns on deposits.
How do you become a member of Capital Credit Union? A $25 deposit into a Share Savings Account establishes membership, making that person a part-owner with a voice in electing the officers, directors, and committee members.
What services does Capital Credit Union offer besides checking and savings? Members can access auto and mortgage loans, business and agriculture lending, credit cards, investment and retirement-planning services, and insurance through Capital Insurance Services LLC.
Where are Capital Credit Union's Fargo locations? Capital Credit Union has three Fargo locations: Fargo Central at 3137 32nd Ave. S., Fargo Veterans Boulevard at 3216 Veterans Blvd., and the Fargo 13th Avenue drive-up branch at 4900 13th Ave. S.
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