Capital Educators Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 3.25% | 5-year CD | 60 Month Promotional Share Certificate 2.03% - National Average |
| 2.30% | 1-year CD | 12 Month Promotional Share Certificate 2.45% - Synchrony Bank 12 Month CD |
| 3.25% | 5-year IRA | 60 Month Promotional IRA Certificate (Traditional, CESA, Roth, SEP) 2.03% - National Average |
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 439th largest credit union in the nation. It was established in 1936 and as of June of 2018, it had grown to 204 employees and 74,904 members at 12 locations. Capital Educators Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership is open to employees, retirees or volunteers in any area of the education industry in the state of Idaho. Membership is also open to immediate family of current members and those eligible for membership.
See current membership details
Related Posts
8/31/15 - One Week CD Specials (35Mo 2.00% APY) At Cap Edu FCU. Quick Look.
6/30/15 - Capital Educators Federal CU (ID) Raises Rates On Promotional CDs
11/25/14 - Black Friday And Cyber Monday Deals at CapEd FCU - Nationally Available
9/3/14 - Capital Educators Federal CU (ID) Has New Competitive Promotional CDs
7/13/12 - Reward Checking Account at Capital Educators FCU - Easy Membership
9/12/09 - Reward Checking Account at Capital Educators FCU in Idaho
A decent bank for business needs
I use capital educators FCU for my business checking, and they are a complete satisfactory bank. I don't have any issues with them charging me random fees for the pleasure of giving them my money, nor do they have any major policies that i disagree with. Overall, over the course of the time that I have spent working with them, I have not had any major issues, and I am happy with the overall level of service that I am provided. I have had the account for about 2 years, now, and that has let me see them improve their mobile app,and it has gotten much better.I am happy with the level of service provided
Low to no fees
At my credit union there are very low fees, and i do not have to worry about being charged for every silly thing. They are able to make sure i dont have any fees that hurt my financial bottom line. I am able to use their app to track my finances, and to keep my budget. They let me know whenever there are any fruad charges on my account, and are easily able to handle that for me. This provides me peace of mind, and allows to bank without worry. When i had over drafted my account due to a few too many written checks they waived the overdraft fees, and were very kind about the whole affair.
ESL Teacher
Capital Educators of Idaho has an amazing high yield checking account. They provide an interest rate that is considerably higher than most savings accounts, IRA's, or CD's that I have worked with in the past. The rate does vary, but it usually stays between 2 to 3.5 percent and I have never seen it dip below 2 percent. However, there are a few things you have to do to get this awesome rate. You must have at least 12 transactions on your debit card each and every month, you have to sign up to get all of your statements electronically and you have to have a least one scheduled direct deposit or bill payment made from the account each month. The requirements may sound a little daunting but once you get the automatic payment and e-statements step up it does not turn out to be that much of a chore. I have been using it for years and it has been wonderful.
NEVER USE THIS CREDIT UNION
I have never had worst customer service at an establishment. I've had nothing but CONSISTENT issues and wouldn't recommend ANYONE getting an account at CapEd. They never have any solutions for me, I'm being constantly told that "that's just how it is" when I order a debit card and I don't receive it for three months. I've had member services forget to reissue me cards, then try and tell me they take 15-20 business days and that's why it's been so long since I've ordered the card, I've worked at a credit union. I know they do NOT take that long so to have employees lie to me directly, is so pathetic. The list of problems I've experienced goes on and on and it continues to grow. Establishments are supposed to have reasons customers go to them and give them their business, and I can't think of a single one. I will be sure to let everyone I come in contact with know to never do business at CapEd, and for them to exhausted ALL options before even considering your business.…
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 1040 |
| Year Chartered | 1936 |
| Employees | 204 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.7% |
| Return on Equity - YTD | 10.36% |
| Annual Interest Income | $12.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $660.7MM$597.1MM |
| Loans | Q2 2018vs Q2 2017 | $584.2MM$529.1MM |
| Deposits | Q2 2018vs Q2 2017 | $559.8MM$498.3MM |
| Equity Capital | Q2 2018vs Q2 2017 | $44.8MM$40.0MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $2.2MM$1.7MM |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $3.2MM$4.5MM |
| Real Estate Owned | Q2 2018vs Q2 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Capital Educators Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Capital Educators Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | - | $2.5k | Christmas Club Savings | ||
| OTHER TIERS: 0.10% → $2.5k+ | |||||
| 0.75% | $10 | - | IRA Savings (59 1/2) Traditional | ||
| 0.50% | $10 | - | IRA Savings | ||
| 0.50% | $10 | - | IRA SEP/ESA | ||
| 0.10% | $5 | - | Regular Savings | ||
| 0.10% | - | - | Idaho Medical Savings | ||
Capital Educators Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.60%* | $250k* | - | Money Market Account | ||
| OTHER TIERS: 0.25% → $2.5k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $75k | 0.45% → $75k - $250k | |||||
Capital Educators Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.50%* | - | $10k | High Yield Checking | ||
| OTHER TIERS: 0.20% → $10k+ | |||||
| 0.05% | - | - | Classic Checking | ||
| 0.05% | - | - | Idaho Medical Checking | ||
Capital Educators Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 3.25% | $500 | - | 60 Month Promotional Share Certificate | ||
| 2.45% | $500 | - | 24 Month Promotional Share Certificate | ||
| 2.30% | $500 | - | 12 Month Promotional Share Certificate | ||
| 1.75% | $250 | - | 12 Month Smart Step Certificate | ||
| 1.50%* | $50k* | - | 60 Month Share Certificate | ||
| OTHER TIERS: 1.25% → $500 - $10k | 1.40% → $10k - $50k | |||||
| 1.35%* | $50k* | - | 48 Month Share Certificate | ||
| OTHER TIERS: 1.15% → $500 - $10k | 1.25% → $10k - $50k | |||||
| 1.25% | $250 | - | 6 Month Smart Step Certificate | ||
| 0.85%* | $50k* | - | 36 Month Share Certificate | ||
| OTHER TIERS: 0.65% → $500 - $10k | 0.75% → $10k - $50k | |||||
| 0.60%* | $50k* | - | 24 Month Share Certificate | ||
| OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k | |||||
| 0.55%* | $50k* | - | 18 Month Share Certificate | ||
| OTHER TIERS: 0.35% → $500 - $10k | 0.45% → $10k - $50k | |||||
| 0.50%* | $50k* | - | 12 Month Share Certificate | ||
| OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k | |||||
| 0.30%* | $50k* | - | 6 Month Share Certificate | ||
| OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k | |||||
Capital Educators Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 3.25% | $500 | - | 60 Month Promotional IRA Certificate | ||
| 2.45% | $500 | - | 24 Month Promotional IRA Certificate | ||
| 2.30% | $500 | - | 12 Month Promotional IRA Certificate | ||
| 1.50%* | $50k* | - | 60 Month IRA Certificate | ||
| OTHER TIERS: 1.25% → $500 - $10k | 1.40% → $10k - $50k | |||||
| 1.35%* | $50k* | - | 48 Month IRA Certificate | ||
| OTHER TIERS: 1.15% → $500 - $10k | 1.25% → $10k - $50k | |||||
| 0.85%* | $50k* | - | 36 Month IRA Certificate | ||
| OTHER TIERS: 0.65% → $500 - $10k | 0.75% → $10k - $50k | |||||
| 0.60%* | $50k* | - | 24 Month IRA Certificate | ||
| OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k | |||||
| 0.55%* | $50k* | - | 18 Month IRA Certificate | ||
| OTHER TIERS: 0.35% → $500 - $10k | 0.45% → $10k - $50k | |||||
| 0.50%* | $50k* | - | 12 Month IRA Certificate | ||
| OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k | |||||
| 0.30%* | $50k* | - | 6 Month IRA Certificate | ||
| OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k | |||||
