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Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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Capital Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Great creditmedian 17.04%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Good creditmedian 20.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Poor creditmedian 24.82%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
No credit scoremedian 22.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
All applicants15.49%–27.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
APR for cash advances
Great creditmedian 22.55%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Good creditmedian 26.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Poor creditmedian 30.33%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
No credit scoremedian 28.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
All applicants21%–33% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Penalty APRafter a late or returned payment—
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, 2026Website
Transaction fees
Cash advance4% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Foreign transaction2% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Penalty fees
First late fee$27Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Returned payment—
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, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026Website
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, 2026Website