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Capital Educators Federal Credit Union


Overview / Commentary
www.capedcu.com
208-884-0150
275 S Stratford Dr
Meridian, ID 83642

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 372nd largest credit union in the nation. It was established in 1936 and as of December of 2021, it had grown to 244 employees and 90,730 members at 11 locations. Capital Educators Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

CapEd Credit Union is open to anyone who joins the Idaho CapEd Foundation with a one-time $20 membership fee. Employees, retirees, volunteers, and students of a public, private, or parochial school in the Idaho counties of Ada, Adams, Blaine, Boise, Camas, Cassia, Canyon, Elmore, Gem, Gooding, Jerome, Lincoln, Owyhee, Payette, Minidoka, Washington or Valley, or the following Twin Falls County School Districts: Buhl, Castleford, College of Southern Idaho, Filer, Hansen, Murtaugh, Twin Falls, or Xavier Charter. Immediate family of current CapEd members are also welcome to apply..
See current membership details

Related Posts

CapEd Federal Credit Union Boosts Promo Share Certificate Rates - 3/14/2022

CapEd Federal Credit Union (easy membership) has raised the rates on its Promo Share Certificates, with the 12-month offering the most competitive rate.

View all posts from:


Reviews (5)

A decent bank for business needs

Posted by: |

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

2

Low to no fees

Posted by: |

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.

1

ESL Teacher

Posted by: |

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.

3

Terrible Visa Rewards System

Posted by: |

I have been with Capital Educator’s Credit Union for many years. I am a retired teacher on a fixed income, but I want to support education. My frustration is with their Visa card rewards system. I saved up rewards points for over three years & finally was able to save enough to purchase an Apple Ipad on October 15th. After waiting for months making calls every few weeks to the rewards company & to Capital Educators bank I was assured that my IPad would be shipped. As of today,February 23rd, I have never received an email or an explanation as to why I never receive the purchased Ipad.
Today I was told that they put the points back onto my card and did not honor my purchase that went through & was completed with order number, date, etc. Now, all the IPads that are supposedly available are double the points I saved or more. I ordered a 128 GB capacity. No compensation of points, no explanation after eight calls, & no product. The Visa reward system is a complete fraud, especially for individuals that are on limited income, use one card to build points, & save for certain items.

1

NEVER USE THIS CREDIT UNION

Posted by: |

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.…

2


Health
B+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #1040
Year Chartered1936
Employees244
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD15.82%
Annual Interest Income$36.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.13B$966.7MM
LoansQ4 2021vs Q4 2020$940.2MM$747.2MM
DepositsQ4 2021vs Q4 2020$960.9MM$817.2MM
Equity CapitalQ4 2021vs Q4 2020$73.4MM$63.3MM
Secondary CapitalQ4 2021vs Q4 2020$22.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$3.6MM$3.6MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$3.8MM$2.4MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*-$10kGood For Me Savings
OTHER TIERS: 0.10% → $10k+
1.00%*-$2.5kRise Youth & Young Adult Savings
OTHER TIERS: 0.10% → $2.5k+
1.00%*-$2.5kHoliday Cash Stasher
OTHER TIERS: 0.10% → $2.5k+
0.75%$10-IRA Savings (59 1/2)
0.50%$10-IRA Savings
0.50%$10-Roth IRA
0.50%$10-ESA Savings
0.50%$10-SEP IRA Savings
0.30%*$250k*-Business Commercial Saving
OTHER TIERS: 0.15% → $2.5k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $250k
0.25%*$250k*-Business Standard Savings
OTHER TIERS: 0.10% → $1k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $250k
0.10%--Idaho MSA Savings
0.05%$5-Primary Savings
0.05%--Secondary Savings
0.05%$5-Business Basic Saving

Capital Educators Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Money Market Account
OTHER TIERS: 0.05% → $2.5k - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $75k | 0.20% → $75k - $250k

Capital Educators Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%-$10kHigh Yield Checking
1.25%*-$10kGood For Me Checking
OTHER TIERS: 0.10% → $10k+
0.30%*$250k*-Business Commercial Checking
OTHER TIERS: 0.15% → $2.5k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $250k
0.05%--Idaho MSA Checking

Capital Educators Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-60 Month Promotional Share Certificate
1.50%$500-60 Month Idaho MSA Promotional Certificate
1.50%$500-Business 60 Month Promotional Share Certificate
1.25%$500-24 Month Promotional Share Certificate
1.25%$500-24 Month Idaho MSA Promotional Certificate
1.25%$500-Business 24 Month Promotional Share Certificate
1.00%$500-12 Month Promotional Share Certificate
1.00%$500-12 Month Idaho MSA Promotional Certificate
1.00%$500-Business 12 Month Promotional Share Certificate
0.95%*$50k*-60 Month Share Certificate
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $50k
0.95%*$50k*-60 Month Idaho MSA Certificate
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $50k
0.95%*$50k*-Business 60 Month Share Certificate
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $50k
0.85%$250-12 Month Smart Step Certificate
0.75%*$50k*-48 Month Share Certificate
OTHER TIERS: 0.60% → $500 - $10k | 0.70% → $10k - $50k
0.75%*$50k*-48 Month Idaho MSA Certificate
OTHER TIERS: 0.60% → $500 - $10k | 0.70% → $10k - $50k
0.75%*$50k*-Business 48 Month Share Certificate
OTHER TIERS: 0.60% → $500 - $10k | 0.70% → $10k - $50k
0.65%*$50k*-36 Month Share Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $50k
0.65%$250-6 Month Smart Step Certificate
0.65%*$50k*-36 Month Idaho MSA Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $50k
0.65%*$50k*-Business 36 Month Share Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $50k
0.55%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.55%*$50k*-24 Month Idaho MSA Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.55%*$50k*-Business 24 Month Share Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.45%*$50k*-18 Month Share Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.45%*$50k*-18 Month Idaho MSA Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.45%*$50k*-Business 18 Month Share Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.40%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.40%*$50k*-12 Month Idaho MSA Certificate
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.40%*$50k*-Business 12 Month Share Certificate
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.30%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k
0.30%*$50k*-6 Month Idaho MSA Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k
0.30%*$50k*-Business 6 Month Share Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k

Capital Educators Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-60 Month Promotional IRA Certificate
1.50%$500-60 Month Promotional Roth IRA Certificate
1.50%$500-60 Month Promotional ESA Certificate
1.50%$500-60 Month Promotional SEP IRA Certificate
1.25%$500-24 Month Promotional IRA Certificate
1.25%$500-24 Month Promotional Roth IRA Certificate
1.25%$500-24 Month Promotional ESA Certificate
1.25%$500-24 Month Promotional SEP IRA Certificate
1.00%$500-12 Month Promotional IRA Certificate
1.00%$500-12 Month Promotional Roth IRA Certificate
1.00%$500-12 Month Promotional ESA Certificate
1.00%$500-12 Month Promotional SEP IRA Certificate
0.95%*$50k*-60 Month IRA Certificate
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $50k
0.95%*$50k*-60 Month Roth IRA Certificate
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $50k
0.95%*$50k*-60 Month ESA Certificate
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $50k
0.95%*$50k*-60 Month SEP IRA Certificate
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $50k
0.75%*$50k*-48 Month IRA Certificate
OTHER TIERS: 0.60% → $500 - $10k | 0.70% → $10k - $50k
0.75%*$50k*-48 Month Roth IRA Certificate
OTHER TIERS: 0.60% → $500 - $10k | 0.70% → $10k - $50k
0.75%*$50k*-48 Month ESA Certificate
OTHER TIERS: 0.60% → $500 - $10k | 0.70% → $10k - $50k
0.75%*$50k*-48 Month SEP IRA Certificate
OTHER TIERS: 0.60% → $500 - $10k | 0.70% → $10k - $50k
0.65%*$50k*-36 Month IRA Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $50k
0.65%*$50k*-36 Month Roth IRA Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $50k
0.65%*$50k*-36 Month ESA Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $50k
0.65%*$50k*-36 Month SEP IRA Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $50k
0.55%*$50k*-24 Month IRA Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.55%*$50k*-24 Month Roth IRA Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.55%*$50k*-24 Month ESA Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.55%*$50k*-24 Month SEP IRA Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.45%*$50k*-18 Month IRA Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.45%*$50k*-18 Month Roth IRA Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.45%*$50k*-18 Month ESA Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.45%*$50k*-18 Month SEP IRA Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.40%*$50k*-12 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.40%*$50k*-12 Month Roth IRA Certificate
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.40%*$50k*-12 Month ESA Certificate
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.40%*$50k*-12 Month SEP IRA Certificate
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.30%*$50k*-6 Month IRA Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k
0.30%*$50k*-6 Month Roth IRA Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k
0.30%*$50k*-6 Month ESA Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k
0.30%*$50k*-6 Month SEP IRA Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k
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