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  2. Capital Educators Federal Credit Union

Capital Educators Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.00%5-year CD60 Month Promotional Share Certificate
2.90% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
2.00%1-year CD12 Month Promotional Share Certificate
1.80% - Ally Bank No Penalty 11-Month CDAdvertisement
3.00%5-year IRA60 Month Promotional IRA Certificate (Traditional, CESA, Roth, SEP)
1.88% - National Average
View all Capital Educators Federal Credit Union rates »

Overview / Commentary
www.caped.com
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 436th largest credit union in the nation. It was established in 1936 and as of March of 2018, it had grown to 206 employees and 75,465 members at 11 locations. Capital Educators Federal Credit Union's CD rates are 2X 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

CapEd FCU Boosts 60-Month Promo Rate CD - 4/19/2018

CapEd FCU (easy membership) has boosted the rate on its 60-month Promotional Rate Share Certificate to 3.00% APY. Minimum deposit is $500, with no stated balance cap.

3% 5-Year Promotional CD - 4/18/2018

CapEd has now joined the ranks of those offering 3% for a 5-year CD.

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

2

Low to no fees

Posted by: saundragarza60 | Aug 14, 2017

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: 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.

3


Health
B+

Data as of Q1 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #1040
Year Chartered1936
Employees206
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD9.6%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$661.3MM$581.7MM
LoansQ1 2018vs Q1 2017$585.0MM$520.5MM
DepositsQ1 2018vs Q1 2017$540.8MM$509.3MM
Equity CapitalQ1 2018vs Q1 2017$43.4MM$38.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.3MM$1.5MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$3.3MM$4.0MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

3% 5-Year Promotional CD

ChasR   |  
CapEd has now joined the ranks of those offering 3% for a 5-year CD.
4

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
1.00%*-$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
3.00%$500-60 Month Promotional Share Certificate
2.25%$500-24 Month Promotional Share Certificate
2.00%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month Promotional IRA Certificate
2.25%$500-24 Month Promotional IRA Certificate
2.00%$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
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