Rates
Our credit cards rate high for their low rates.
Whether you want to save money with a balance transfer, get a cash advance at a good rate or start using a valuable credit card for everyday purchases, our Visa cards will become your go-to tool.
Interest Rates, Interest Charges & Fees
| Visa with Rewards | Visa without Rewards | |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases & Balance Transfers | 19.74% - 28.74%1 when you open your account, based on your creditworthiness. This APR will vary with the market, based on the Prime Rate. |
16.74% - 25.74%1 when you open your account, based on your creditworthiness. This APR will vary with the market, based on the Prime Rate. |
| Annual Percentage Rate (APR) for Cash Advances | 25.25% - 34.25%1 when you open your account, based on your creditworthiness. This APR will vary with the market, based on the Prime Rate. |
22.25% - 31.25%1 when you open your account, based on your creditworthiness. This APR will vary with the market, based on the Prime Rate. |
| Paying Interest | Your due date is at least 25 days after we mail your billing statement. We will not charge interest on purchases if you pay your entire new purchase balance by the due date each month. Cash advances and balance transfers will accrue interest beginning on the transaction date. | Your due date is at least 25 days after we mail your billing statement. We will not charge interest on purchases if you pay your entire new purchase balance by the due date each month. Cash advances and balance transfers will accrue interest beginning on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. | If you are charged interest, the charge will be no less than $0.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore. | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore. |
| Annual Fee | None | None |
| Transaction Fees | Balance Transfer: None Cash Advance: Either $5 or 4% of the amount of each transfer, whichever is greater Foreign Transaction: 2% of each transaction in U.S. dollars |
Balance Transfer: None Cash Advance: Either $5 or 4% of the amount of each transfer, whichever is greater Foreign Transaction: 2% of each transaction in U.S. dollars |
| Penalty Fees | Late Payment: Up to $27 if your payment is late 15 days or more Over-the-Credit Limit: None Returned Payment: Up to $10 if your payment is returned for any reason |
Late Payment: Up to $27 if your payment is late 15 days or more Over-the-Credit Limit: None Returned Payment: Up to $10 if your payment is returned for any reason |
Capital Credit Union is a full-service financial institution with locations in Bismarck, Mandan, Fargo, Beulah, Hazen and New Salem, 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.”
How We Will Calculate Your Balance: We use a method called ”average daily balance” (including new purchases). Variable Rates: The interest rate can change on the day of a change in the Prime Rate. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law. Any increase will take the form of more payments of the same amount. Other Fees: In addition to the fees disclosed above, the following fees may be imposed: Minimum Payment Requirement: 2% of the outstanding balance (3% for share-secured Visa cards), subject to a minimum of $20.
1The account will be charged standard variable purchase rates that may change with Prime as published in Wall Street Journal. As of 3/24/23, the standard variable Annual Percentage Rates on purchases ranged from 16.74% to 28.74%, depending on credit qualifications and choice of rewards. You agree to allow approximately 30 days for us to process your response and transfer the balance(s) to your Capital Credit Union account. Please continue to make at least the minimum payments on your other credit cards until you have determined that the balances have been transferred. Capital Credit Union is not responsible for fees and interest charges incurred by you prior to your balance being transferred to Capital Credit Union. Payment of the amount(s) may or may not satisfy any outstanding balance(s) on the designated account(s). You will continue to be responsible for any balances on your other credit cards. In the event that your request(s) exceed the amount of your credit line, the credit union will fulfill your requests in numeric order as listed, may decline to process one or more requests and/or may complete one request in a partial amount. The payment and transfer of balances is contingent upon approval by the credit union and receipt of complete, legible balance transfer requests. Your balance transfer request may not be used to make payments toward amounts you owe Capital Credit Union. Transfer requests to cash or to yourself cannot be processed. Periodic Interest Charges apply from date of transaction. Effective date: The information about the costs of the card described is accurate as of 3/24/23. This information may have changed after that date. To find out what may have changed, contact Capital Credit Union.