Capital Educators Federal Credit Union

Capital Educators Federal Credit Union Locations
275 S. Stratford Drive
Meridian, ID 83642
208-884-0150
www.capedfcu.org

Capital Educators Federal Credit Union is headquartered in Meridian and is the 5th largest credit union in the state of Idaho. It is also the 666th largest credit union in the nation. It was established in 1936 and as of September of 2011, it had grown to 112 employees and 39,121 members. Capital Educators Federal Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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4.08% Reward Checking Account at Capital Educators FCU in Idaho - 2/12/2009

Update 5/10/09: The top rate has fallen to 4.08% APY.Capital Educators FCU is offering a rewards checking account called High Yield eChecking. It pays 4.08% APY on balances up to $25,000 (1.00% for above) and refunds nationwide ATM fees up to $25 per...



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See Rates for: Checking | Savings | Money Market | CD | IRA

Capital Educators Federal Credit Union Checking Account Rates

ApyMinMaxProduct
3.10%-$15kHigh Yield Checking
0.10%--Classic Checking
0.10%--Medical Checking
0.10%--Business Checking
0.10%--Young Adult Checking
0.00%--CapEd Tunes Checking

Capital Educators Federal Credit Union Savings Account Rates

ApyMinMaxProduct
1.21%-$2,500Christmas Club Savings
1.00%--IRA Savings (59 1/2) Traditional
0.75%--IRA Traditional
0.75%--IRA SEP
0.75%--IRA Roth
0.75%--ESA
0.20%--Regular Savings
0.20%--Medical Savings

Capital Educators Federal Credit Union Money Market Rates

ApyMinMaxProduct
0.45%$75k-Money Market Saver Account

Capital Educators Federal Credit Union CD Rates

ApyMinMaxProduct
1.96%$50k-60 Month Share Certificate
1.51%$50k-48 - 59 Month Share Certificate
1.31%$50k-36 - 47 Month Share Certificate
1.10%$50k-24 - 35 Month Share Certificate
0.90%$50k-18 - 23 Month Share Certificate
0.85%$50k-12 - 17 Month Share Certificate
0.85%$250-12 Month Young Savers Share Certificate
0.70%$250-6 Month Young Savers Share Certificate
0.50%$50k-6 - 11 Month Share Certificate
0.50%$50k-91 - 179 Day Share Certificate

Capital Educators Federal Credit Union IRA Rates

ApyMinMaxProduct
1.96%$50k-60 Month Medical Certificate
1.96%$50k-60 Month IRA Certificate
1.96%$50k-60 Month ESA Certificate
1.96%$50k-60 Month Roth IRA Certificate
1.96%$50k-60 Month SEP IRA Certificate
1.76%$250-6 Month School Dist. Employees Deferred Compensation Certificate
1.51%$50k-48 - 59 Month Medical Certificate
1.51%$50k-48 - 59 Month IRA Certificate
1.51%$50k-48 - 59 Month ESA Certificate
1.51%$50k-48 - 59 Month Roth IRA Certificate
1.51%$50k-48 - 59 Month SEP IRA Certificate
1.31%$50k-36 - 47 Month Medical Certificate
1.31%$50k-36 - 47 Month IRA Certificate
1.31%$50k-36 - 47 Month ESA Certificate
1.31%$50k-36 - 47 Month Roth IRA Certificate
1.31%$50k-36 - 47 Month SEP IRA Certificate
1.10%$50k-24 - 35 Month Medical Certificate
1.10%$50k-24 - 35 Month IRA Certificate
1.10%$50k-24 - 35 Month ESA Certificate
1.10%$50k-24 - 35 Month Roth IRA Certificate
1.10%$50k-24 - 35 Month SEP IRA Certificate
0.90%$50k-18 - 23 Month Medical Certificate
0.90%$50k-18 - 23 Month IRA Certificate
0.90%$50k-18 - 23 Month ESA Certificate
0.90%$50k-18 - 23 Month Roth IRA Certificate
0.90%$50k-18 - 23 Month SEP IRA Certificate
0.85%$50k-12 - 17 Month Medical Certificate
0.85%$50k-12 - 17 Month IRA Certificate
0.85%$50k-12 - 17 Month ESA Certificate
0.85%$250-12 Month Young Savers Medical Certificate
0.85%$250-12 Month Young Savers IRA Certificate
0.85%$50k-12 - 17 Month Roth IRA Certificate
0.85%$250-12 Month Young Savers Roth IRA Certificate
0.85%$50k-12 - 17 Month SEP IRA Certificate
0.85%$250-12 Month Young Savers SEP IRA Certificate
0.70%$250-6 Month Young Savers Medical Certificate
0.70%$250-6 Month Young Savers IRA Certificate
0.70%$250-6 Month Young Savers Roth IRA Certificate
0.70%$250-6 Month Young Savers SEP IRA Certificate
0.50%$50k-6 - 11 Month Medical Certificate
0.50%$50k-6 - 11 Month IRA Certificate
0.50%$50k-6 - 11 Month ESA Certificate
0.50%$50k-91 - 179 Day IRA Certificate
0.50%$50k-91 - 179 Day ESA Certificate
0.50%$50k-91 - 179 Day Medical Certificate
0.50%$50k-91 - 179 Day Roth IRA Certificate
0.50%$50k-6 - 11 Month Roth IRA Certificate
0.50%$50k-91 - 179 Day SEP IRA Certificate
0.50%$50k-6 - 11 Month SEP IRA Certificate

Rates updated: 2/9/2012

Data for Q3 2011


Institution Statistics


CAPITAL EDUCATORS
NCUA #1040
BankRate ReportView
Year Established1936
Employees112
Primary Regulator

Assets and Liabilities

Assets$279.40 million
Loans$141.50 million
Deposits$251.62 million
Equity Capital$24.74 million
Loan Loss Allowance$566,000
Unbacked Noncurrent Loans$114,000

Historic Data - September 2010

Assets$261.94 million
Equity Capital$22.47 million
Loan Loss Allowance$355,000
Unbacked Noncurrent Loans$236,000

Profit Margin - Quarterly

Net Interest Margin3.07%
Return on Assets0.73%
Return on Equity8.21%
Interest Income$7.51 million
Non-Interest Income$3.93 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 September 30, 2011 Capital Educators Federal Credit Union had $114,000 in non-current loans and owned real-estate with $25.31 million in equity and loan loss allowances on hand to cover it. This gives Capital Educators Federal Credit Union a Texas Ratio of 0.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Capital Educators Federal Credit Union decreased significantly from 1.03% as of September 30, 2010 to 0.45% as of September 30, 2011, resulting in a positive change of 56.44%.This indicates that the balance sheet and financial strength for Capital Educators Federal Credit Union has improved significantly in recent periods.
Deposit Growth5
In the past year, Capital Educators Federal Credit Union has increased its total deposits by $15.44 million, resulting in 6.54% 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.
Capitalization3
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 $279.4 million in assets with $25.31 million in equity, resulting in a capitalization level of 9.06%, which is average.
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