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Banking RegistryReal data. Clear answers.Data as of Oct 4, 2026
Banking RegistryReal data. Clear answers.
Capital Credit UnionVISA Credit CardRegistry illustration · issuer artwork unavailable

VISA Credit CardCapital Credit Union · state credit union, ND · NCUA 61637

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “Capital Credit Union VISA Credit Card”
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Purchase APR
15.49%–27.49%
great to no score
Balance transfer
—
Cash advance APR
21%–33%
variable
Annual fee
$0
a year
Foreign fee
2%
of the amount
Grace period
Not offered
from cycle close

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Great creditmedian 17.04%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Good creditmedian 20.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Poor creditmedian 24.82%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
No credit scoremedian 22.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
All applicants15.49%–27.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
APR for cash advances
Great creditmedian 22.55%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Good creditmedian 26.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Poor creditmedian 30.33%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
No credit scoremedian 28.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
All applicants21%–33% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchasesNot offered from the close of each billing cycle——
How we calculate your balanceAverage daily balance including new purchases——
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Transaction fees
Cash advance4% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Foreign transaction2% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Penalty fees
First late fee$27Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Returned payment—no source read
Other fees
Returned Payment Fee$10, Charged if the payment is returned for any reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website
Opening conditionsCredit cards are only offered to Capital Credit Union Members. All branches are located in North Dakota; however, our field of membership includes a part of Minnesota, and members may reside in other states if they have relocated.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026—Website