Featured Savings Rates
Featured Accounts

Capital Educators Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.70%1-year CD12 Month Promotional Share Certificate
1.70%1-year IRA12 Month Promotional IRA Certificate (Traditional, Roth, CESA, SEP)
2.50%Reward CheckingHigh Yield Checking

Overview / Commentary
208-884-0150
275 S Stratford Dr
Meridian, ID 83642-6289

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 442nd largest credit union in the nation. It was established in 1936 and as of September of 2017, it had grown to 203 employees and 75,048 members at 10 locations. Capital Educators Federal Credit Union's CD rates are 94% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Capital Educators Federal Credit Union is open to anyone who joins the Idaho CapEd Foundation as a Sustaining Member Volunteer, or anyone who works for, volunteers for, or is retired from any facet of the education industry in the state of Idaho.
See current membership details

Related Posts

CapEd FCU Hikes Rates On Promotional Share Certificates - 12/7/2017

CapEd FCU (easy membership) has raised the rates on its Promotional CDs: 12-months (1.70% APY), 24-months (1.90% APY), 60-months (2.40% APY), $500 minimum of new money.

View all posts from:


Reviews (3)

A decent bank for business needs

Posted by: BigMafia | Dec 12, 2017

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

Posted by: Twanda | Feb 11, 2016

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.



Health

Health Grade Components

Overall
NCUA #1040
Year Chartered1936
Employees203
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD10.16%
Annual Interest Income$15.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$626.2MM$543.3MM
LoansQ3 2017vs Q3 2016$555.1MM$456.9MM
DepositsQ3 2017vs Q3 2016$509.7MM$494.1MM
Equity CapitalQ3 2017vs Q3 2016$41.7MM$37.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.7MM$1.4MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$5.4MM$3.1MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
Rates
Report an Issue

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
1.00%*-$2,500Christmas Club Savings
OTHER TIERS: 0.10% $2,500+
0.75%--IRA Savings (59 1/2) Traditional
0.50%--IRA Savings
0.50%--IRA SEP/ESA
0.10%--Regular Savings
0.10%--Idaho Medical Savings

Capital Educators Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$250k*-Money Market Account
OTHER TIERS: 0.25% $2,500 - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k | 0.45% $75k - $250k

Capital Educators Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$10kHigh Yield Checking
OTHER TIERS: 0.20% $10k+
0.05%--Classic Checking
0.05%--Idaho Medical Checking

Capital Educators Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%$500-60 Month Promotional Share Certificate
1.90%$500-24 Month Promotional Share Certificate
1.75%$250-12 Month Smart Step Certificate
1.70%$500-12 Month Promotional Share 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%$500-60 Month Promotional IRA Certificate
1.90%$500-24 Month Promotional IRA Certificate
1.70%$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
Locations


Cities: Boise, Eagle, Kuna, Meridian, Nampa

Boise Branches
Branch Office7450 W Thunderbolt DrBoise, ID 83709-0701
Branch Office500 E Highland StBoise, ID 83706-6517
Branch Office12195 W McMillan RdBoise, ID 83713-2475

Eagle Branches
Branch Office80 E Riverside DrEagle, ID 83616

Kuna Branches
Branch Office738 E Avalon StKuna, ID 83634-2140

Meridian Branches
Branch Office275 S Stratford DrMeridian, ID 83642-6289
Branch Office4853 N Linder RdMeridian, ID 83646
Corporate Office111 S Stratford DrMeridian, ID 83642

Nampa Branches
Branch Office16275 N Marketplace BlvdNampa, ID 83687-5141
Branch Office1023 12th Ave SNampa, ID 83651