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P.O. Box 570
Meridian, ID 83680

Capital Educators Federal Credit Union is headquartered in Meridian and is the 4th largest credit union in the state of Idaho. It is also the 583rd largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 128 employees and 47,932 members. Capital Educators Federal Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

4 Simple Ways to Qualify for Membership: 1 - Are any members of your immediate family or household currently members with CapEd? 2 - Do you work or volunteer for, or are you retired from, any facet of the Educational Industry in the State of Idaho? 3 - Do any members of your immediate family* or household** meet #2’s qualifications? 4 - When you join the Idaho CapEd Foundation as a Sustaining Member Volunteer, you qualify for membership. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Capital Educators Federal Credit Union had $710,000 in non-current loans and owned real-estate with $26.83 million in equity and loan loss allowances on hand to cover it. This gives Capital Educators Federal Credit Union a Texas Ratio of 2.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Capital Educators Federal Credit Union experienced no significant changes from 0.91% as of December 31, 2012 to 2.65% as of December 31, 2013, resulting in a negative change of 191.18%. This indicates that the balance sheet and financial strength for Capital Educators Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Capital Educators Federal Credit Union has increased its total deposits by $21.72 million, resulting in 7.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capital Educators Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capital Educators Federal Credit Union has $365.19 million in assets with $26.83 million in equity, resulting in a capitalization level of 7.35%, which is below average.

Institution Statistics

NCUA #1040
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$365.19 million
Loans$240.55 million
Deposits$318.64 million
Equity Capital$26.24 million
Loan Loss Allowance$598,000
Unbacked Noncurrent Loans$686,000
Real Estate Owned$24,000
Historic Data - December 2012
Assets$328.84 million
Equity Capital$28.27 million
Loan Loss Allowance$453,000
Unbacked Noncurrent Loans$686,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets0.56%
Return on Equity7.84%
Interest Income$11.54 million

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Capital Educators Federal Credit Union Savings Account Rates

1.00%-$2,500Christmas Club Savings
0.75%--IRA Savings (59 1/2) Traditional
0.50%--IRA Traditional
0.50%--IRA SEP
0.50%--IRA Roth
0.10%--Regular Savings
0.10%--Medical Savings

Capital Educators Federal Credit Union Money Market Rates

0.45%$75k-Money Market Saver Account

Capital Educators Federal Credit Union Checking Account Rates

2.50%-$10kHigh Yield Checking
0.10%--Classic Checking
0.10%--Young Adult Checking
0.10%--Medical Checking
0.05%--High Yield Checking

Capital Educators Federal Credit Union CD Rates

1.51%$50k-60 Month Share Certificate
1.36%$500-36 - 47 Month Share Certificate
1.36%$50k-48 - 59 Month Share Certificate
0.75%$50k-24 - 35 Month Share Certificate
0.70%$50k-18 - 23 Month Share Certificate
0.65%$50k-12 - 17 Month Share Certificate
0.50%$250-6 Month Young Savers Share Certificate
0.45%$50k-6 - 11 Month Share Certificate
0.35%$50k-91 - 179 Day Share Certificate

Capital Educators Federal Credit Union IRA Rates

1.51%$50k-60 Month IRA Certificate (Traditional,CESA,Roth,SEP)
1.36%$500-36 - 47 Month IRA Certificate (Traditional,CESA,Roth,SEP)
1.36%$50k-48 - 59 Month IRA Certificate (Traditional,CESA,Roth,SEP)
0.75%$50k-24 - 35 Month IRA Certificate (Traditional,CESA,Roth,SEP)
0.70%$50k-18 - 23 Month IRA Certificate (Traditional,CESA,Roth,SEP)
0.65%$50k-12 - 17 Month IRA Certificate (Traditional,CESA,Roth,SEP)
0.45%$50k-6 - 11 Month IRA Certificate (Traditional,CESA,Roth,SEP)
0.35%$50k-91 - 179 Day IRA Certificate (Traditional,CESA,Roth,SEP)

Capital Educators Federal Credit Union Locations
Branch Office7450 W Thunderbolt DrBoise, ID 83709-0701
Branch Office80 E Riverside DrEagle, ID 83616
Branch Office275 S Stratford DrMeridian, ID 83642-6289
Branch Office738 E Avalon StKuna, ID 83634-2140
Branch Office16275 N Market Place BlvdNampa, ID 83687-5141
Branch Office500 E Highland StBoise, ID 83706-6517
Branch Office12195 W McMillan RdBoise, ID 83713-2475