Capital Educators Federal Credit Union

Capital Educators Federal Credit Union Locations

275 S. Stratford Drive
Meridian, ID 83642
208-884-0150
www.capedfcu.org

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Capital Educators Federal Credit Union is headquartered in Meridian and is the 4^th largest credit union in the state of Idaho. It is also the 619^st largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 122 employees and 43,918 members. Capital Educators Federal Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Reward Checking Account at Capital Educators FCU - Easy Membership - 7/13/2012

I first reviewed the reward checking account at Capital Educators Federal Credit Union in 2009. The credit union calls it High Yield Checking. As you might expect, the rate isn't as high as it used to ...

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

Update 7/11/2012: The top rate has fallen to 2.50% APY. Capital Educators FCU is offering a rewards checking account called High Yield Checking.

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

Capital Educators Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
2.50%	-	$10k	High Yield Checking
0.05%	-	-	Classic Checking
0.05%	-	-	Business Checking
0.05%	-	-	Young Adult Checking
0.00%	-	-	CapEd Tunes Checking

Capital Educators Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
1.00%	-	$2,500	Christmas Club Savings
0.75%	-	-	IRA Savings (59 1/2) Traditional
0.50%	-	-	IRA Traditional
0.50%	-	-	IRA SEP
0.50%	-	-	IRA Roth
0.50%	-	-	ESA
0.10%	-	-	Regular Savings
0.10%	-	-	Medical Savings
0.05%	-	-	Medical Checking

Capital Educators Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$75k	-	Money Market Saver Account

Capital Educators Federal Credit Union CD Rates

Apy	Min	Max	Product
1.31%	$50k	-	60 Month Share Certificate
1.15%	$50k	-	48 - 59 Month Share Certificate
0.95%	$50k	-	36 - 47 Month Share Certificate
0.70%	$50k	-	24 - 35 Month Share Certificate
0.65%	$50k	-	18 - 23 Month Share Certificate
0.65%	$250	-	12 Month Young Savers Share Certificate
0.60%	$50k	-	12 - 17 Month Share Certificate
0.50%	$250	-	6 Month Young Savers Share Certificate
0.35%	$50k	-	6 - 11 Month Share Certificate
0.35%	$50k	-	91 - 179 Day Share Certificate

Capital Educators Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.31%	$50k	-	60 Month Medical Certificate
1.31%	$50k	-	60 Month IRA Certificate
1.31%	$50k	-	60 Month ESA Certificate
1.31%	$50k	-	60 Month Roth IRA Certificate
1.31%	$50k	-	60 Month SEP IRA Certificate
1.15%	$50k	-	48 - 59 Month Medical Certificate
1.15%	$50k	-	48 - 59 Month IRA Certificate
1.15%	$50k	-	48 - 59 Month ESA Certificate
1.15%	$50k	-	48 - 59 Month Roth IRA Certificate
1.15%	$50k	-	48 - 59 Month SEP IRA Certificate
0.95%	$50k	-	36 - 47 Month Medical Certificate
0.95%	$50k	-	36 - 47 Month IRA Certificate
0.95%	$50k	-	36 - 47 Month ESA Certificate
0.95%	$50k	-	36 - 47 Month Roth IRA Certificate
0.95%	$50k	-	36 - 47 Month SEP IRA Certificate
0.70%	$50k	-	24 - 35 Month Medical Certificate
0.70%	$50k	-	24 - 35 Month IRA Certificate
0.70%	$50k	-	24 - 35 Month ESA Certificate
0.70%	$50k	-	24 - 35 Month Roth IRA Certificate
0.70%	$50k	-	24 - 35 Month SEP IRA Certificate
0.65%	$50k	-	18 - 23 Month Medical Certificate
0.65%	$50k	-	18 - 23 Month IRA Certificate
0.65%	$50k	-	18 - 23 Month ESA Certificate
0.65%	$250	-	12 Month Young Savers Medical Certificate
0.65%	$250	-	12 Month Young Savers IRA Certificate
0.65%	$250	-	12 Month Young Savers Roth IRA Certificate
0.65%	$50k	-	18 - 23 Month Roth IRA Certificate
0.65%	$250	-	12 Month Young Savers SEP IRA Certificate
0.65%	$50k	-	18 - 23 Month SEP IRA Certificate
0.60%	$50k	-	12 - 17 Month Medical Certificate
0.60%	$50k	-	12 - 17 Month IRA Certificate
0.60%	$50k	-	12 - 17 Month ESA Certificate
0.60%	$50k	-	12 - 17 Month Roth IRA Certificate
0.60%	$50k	-	12 - 17 Month SEP IRA Certificate
0.50%	$250	-	6 Month Young Savers Medical Certificate
0.50%	$250	-	6 Month Young Savers IRA Certificate
0.50%	$250	-	6 Month Young Savers Roth IRA Certificate
0.50%	$250	-	6 Month Young Savers SEP IRA Certificate
0.50%	$250	-	6 Month School Dist. Employees Deferred Compensation Certificate
0.35%	$50k	-	6 - 11 Month Medical Certificate
0.35%	$50k	-	6 - 11 Month IRA Certificate
0.35%	$50k	-	6 - 11 Month ESA Certificate
0.35%	$50k	-	91 - 179 Day IRA Certificate
0.35%	$50k	-	91 - 179 Day ESA Certificate
0.35%	$50k	-	91 - 179 Day Medical Certificate
0.35%	$50k	-	91 - 179 Day Roth IRA Certificate
0.35%	$50k	-	6 - 11 Month Roth IRA Certificate
0.35%	$50k	-	91 - 179 Day SEP IRA Certificate
0.35%	$50k	-	6 - 11 Month SEP IRA Certificate

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

CAPITAL EDUCATORS
NCUA #	1040
BankRate Report	View
Year Chartered	1936
Employees	122
Primary Regulator
Assets and Liabilities
Assets	$328.84 million
Loans	$175.88 million
Deposits	$296.93 million
Equity Capital	$28.27 million
Loan Loss Allowance	$453,000
Unbacked Noncurrent Loans	$261,000
Historic Data - December 2011
Assets	$283.18 million
Equity Capital	$25.08 million
Loan Loss Allowance	$562,000
Unbacked Noncurrent Loans	$157,000
Profit Margin - Quarterly
Net Interest Margin	3.91%
Return on Assets	0.79%
Return on Equity	9.24%
Interest Income	$10.11 million
Non-Interest Income	$6.53 million

Institution Health

Overall Score:

5 out of 5

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, 2012 Capital Educators Federal Credit Union had $261,000 in non-current loans and owned real-estate with $28.72 million in equity and loan loss allowances on hand to cover it. This gives Capital Educators Federal Credit Union a Texas Ratio of 0.91% 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 held steady from 0.61% as of December 31, 2011 to 0.91% as of December 31, 2012, resulting in a negative change of 48.42%. This indicates that the balance sheet and financial strength for Capital Educators Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Capital Educators Federal Credit Union has increased its total deposits by $42.54 million, resulting in 16.72% 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.
Capitalization
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 $328.84 million in assets with $28.72 million in equity, resulting in a capitalization level of 8.73%, which is average.