2. Capital Educators Federal Credit Union

Capital Educators Federal Credit Union


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 420th largest credit union in the nation. It was established in 1936 and as of June of 2019, it had grown to 219 employees and 78,416 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 in 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 any of the following also qualify: Idaho counties of Ada, Adams, Blaine, Boise, Camas, Canyon, Elmore, Gem, Gooding, Jerome, Lincoln, Owyhee, Payette, Twin Falls (limited), Valley, or Washington. Immediate family members of current CapEd members or anyone who meets membership qualification are welcome to apply..
See current membership details

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Reviews (4)

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

NEVER USE THIS CREDIT UNION

Posted by: SAnonymous | Jul 26, 2018

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 Q2 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #1040
Year Chartered1936
Employees219
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD8.44%
Annual Interest Income$14.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$741.4MM$660.7MM
LoansQ2 2019vs Q2 2018$625.7MM$584.2MM
DepositsQ2 2019vs Q2 2018$617.8MM$559.8MM
Equity CapitalQ2 2019vs Q2 2018$50.2MM$44.8MM
Secondary CapitalQ2 2019vs Q2 2018$7.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.4MM$2.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.3MM$3.2MM
Real Estate OwnedQ2 2019vs Q2 2018$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+
0.75%$10-IRA Savings (59 1/2) Traditional
0.75%$10-IRA Savings (59 1/2) Roth
0.60%*$250k*-Business Commercial Saving
OTHER TIERS: 0.25% → $2.5k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $75k | 0.45% → $75k - $250k
0.55%*$100k*-Health Savings Account
OTHER TIERS: 0.25% → Up to $2.5k | 0.35% → $2.5k - $25k | 0.45% → $25k - $100k
0.50%$10-IRA Savings
0.50%$10-Simplified Employee Pension
0.50%$10-IRA Roth
0.50%$10-Education Savings
0.50%*$250k*-Business Standard Savings
OTHER TIERS: 0.15% → $1k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $75k | 0.35% → $75k - $250k
0.50%$10-IRA Sep Savings
0.25%*-$2.5kHoliday Cash Stasher
OTHER TIERS: 0.10% → $2.5k+
0.10%$5-Primary Savings
0.10%--Idaho Medical Savings
0.10%--Secondary Savings
0.10%$5-Youth Savings
0.10%$5-Business Basic Saving

Capital Educators Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%-$10kHigh Yield Checking
0.60%*$250k*-Business Commercial Checking
OTHER TIERS: 0.25% → $2.5k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $75k | 0.45% → $75k - $250k
0.10%--Idaho Medical Checking

Capital Educators Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$500-60 Month Promotional Share Certificate
2.55%$500-60 Month Idaho MSA Promotional Certificate
2.55%$500-Business 60 Month Promotional Share Certificate
2.40%$500-60 Month Rate Bump Share Certificate
2.40%$500-Business 60 Month Rate Bump Share Certificate
2.40%$500-60 Month Idaho MSA Rate Bump Certificate
2.30%$500-24 Month Promotional Share Certificate
2.30%$500-24 Month Idaho MSA Promotional Certificate
2.30%$500-Business 24 Month Promotional Share Certificate
2.25%$500-12 Month Promotional Share Certificate
2.25%$500-12 Month Idaho MSA Promotional Certificate
2.25%$500-Business 12 Month Promotional Share Certificate
2.15%$500-24 Month Rate Bump Share Certificate
2.15%$500-Business 24 Month Rate Bump Share Certificate
2.15%$500-24 Month Idaho MSA Rate Bump Certificate
2.10%$500-12 Month Rate Bump Share Certificate
2.10%$500-Business 12 Month Rate Bump Share Certificate
2.10%$500-12 Month Idaho MSA Rate Bump 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
1.50%*$50k*-60 Month Idaho MSA Certificate
OTHER TIERS: 1.25% → $500 - $10k | 1.40% → $10k - $50k
1.50%*$50k*-Business 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
1.35%*$50k*-48 Month Idaho MSA Certificate
OTHER TIERS: 1.15% → $500 - $10k | 1.25% → $10k - $50k
1.35%*$50k*-Business 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
0.85%*$50k*-36 Month Idaho MSA Certificate
OTHER TIERS: 0.65% → $500 - $10k | 0.75% → $10k - $50k
0.85%*$50k*-Business 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
0.60%*$50k*-24 Month Idaho MSA Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.60%*$50k*-Business 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
0.55%*$50k*-18 Month Idaho MSA Certificate
OTHER TIERS: 0.35% → $500 - $10k | 0.45% → $10k - $50k
0.55%*$50k*-Business 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
0.50%*$50k*-12 Month Idaho MSA Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.50%*$50k*-Business 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
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
2.55%$500-60 Month Promotional IRA Certificate
2.55%$500-60 Month Promotional IRA Roth Certificate
2.55%$500-60 Month Promotional ESA Certificate
2.55%$500-60 Month Promotional IRA SEP Certificate
2.40%$500-60 Month Rate Bump IRA Certificate
2.40%$500-60 Month Rate Bump IRA Roth Certificate
2.40%$500-60 Month Rate Bump IRA SEP Certificate
2.40%$500-60 Month Rate Bump ESA Certificate
2.30%$500-24 Month Promotional IRA Certificate
2.30%$500-24 Month Promotional IRA Roth Certificate
2.30%$500-24 Month Promotional ESA Certificate
2.30%$500-24 Month Promotional IRA SEP Certificate
2.25%$500-12 Month Promotional IRA Certificate
2.25%$500-12 Month Promotional IRA Roth Certificate
2.25%$500-12 Month Promotional ESA Certificate
2.25%$500-12 Month Promotional IRA SEP Certificate
2.15%$500-24 Month Rate Bump IRA Certificate
2.15%$500-24 Month Rate Bump IRA Roth Certificate
2.15%$500-24 Month Rate Bump IRA SEP Certificate
2.15%$500-24 Month Rate Bump ESA Certificate
2.10%$500-12 Month Rate Bump IRA Certificate
2.10%$500-12 Month Rate Bump IRA Roth Certificate
2.10%$500-12 Month Rate Bump IRA SEP Certificate
2.10%$500-12 Month Rate Bump ESA Certificate
1.50%*$50k*-60 Month IRA Certificate
OTHER TIERS: 1.25% → $500 - $10k | 1.40% → $10k - $50k
1.50%*$50k*-60 Month IRA Roth Certificate
OTHER TIERS: 1.25% → $500 - $10k | 1.40% → $10k - $50k
1.50%*$50k*-60 Month ESA Certificate
OTHER TIERS: 1.25% → $500 - $10k | 1.40% → $10k - $50k
1.50%*$50k*-60 Month IRA SEP 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
1.35%*$50k*-48 Month IRA Roth Certificate
OTHER TIERS: 1.15% → $500 - $10k | 1.25% → $10k - $50k
1.35%*$50k*-48 Month ESA Certificate
OTHER TIERS: 1.15% → $500 - $10k | 1.25% → $10k - $50k
1.35%*$50k*-48 Month IRA SEP 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
0.85%*$50k*-36 Month IRA Roth Certificate
OTHER TIERS: 0.65% → $500 - $10k | 0.75% → $10k - $50k
0.85%*$50k*-36 Month ESA Certificate
OTHER TIERS: 0.65% → $500 - $10k | 0.75% → $10k - $50k
0.85%*$50k*-36 Month IRA SEP 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
0.60%*$50k*-24 Month IRA Roth Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.60%*$50k*-24 Month ESA Certificate
OTHER TIERS: 0.40% → $500 - $10k | 0.50% → $10k - $50k
0.60%*$50k*-24 Month IRA SEP 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
0.55%*$50k*-18 Month IRA Roth Certificate
OTHER TIERS: 0.35% → $500 - $10k | 0.45% → $10k - $50k
0.55%*$50k*-18 Month ESA Certificate
OTHER TIERS: 0.35% → $500 - $10k | 0.45% → $10k - $50k
0.55%*$50k*-18 Month IRA SEP 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
0.50%*$50k*-12 Month IRA Roth Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.50%*$50k*-12 Month ESA Certificate
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $50k
0.50%*$50k*-12 Month IRA SEP 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
0.30%*$50k*-6 Month IRA Roth 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 IRA SEP Certificate
OTHER TIERS: 0.15% → $500 - $10k | 0.25% → $10k - $50k
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