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Capital Educators Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.50%Reward CheckingHigh Yield Checking
1.82% - National Average
1.15%1-year CD12 Month Promotional Share Certificate
1.50% - Ally Bank No Penalty 11-Month CDAdvertisement
1.85%5-year CD60 Month Promotional Share Certificate
2.35% - Synchrony Bank 60 Month CDAdvertisement
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 470th largest credit union in the nation. It was established in 1936 and as of March of 2017, it had grown to 187 employees and 71,278 members at 10 locations. Capital Educators Federal Credit Union's money market rates are 36% 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

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Reviews (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.

2


Health
B

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #1040
Year Chartered1936
Employees187
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD7.54%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$581.7MM$520.4MM
LoansQ1 2017vs Q1 2016$520.5MM$437.3MM
DepositsQ1 2017vs Q1 2016$509.3MM$478.4MM
Equity CapitalQ1 2017vs Q1 2016$38.7MM$34.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.5MM$1.2MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$4.0MM$1.4MM
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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* 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 Traditional
0.50%--IRA SEP
0.50%--IRA Roth
0.50%--ESA
0.10%--Regular Savings
0.10%--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%--Medical Checking

Capital Educators Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%$500-60 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%$500-24 Month Promotional Share Certificate
1.15%$500-12 Month Promotional Share Certificate
0.85%*$50k*-36 Month Share Certificate
OTHER TIERS: 0.65% → $500 - $10k | 0.75% → $10k - $50k
0.80%$250-12 Month Young Savers Share Certificate
0.65%$250-6 Month Young Savers Share Certificate
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
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


Capital Educators Federal Credit Union Locations
Branch Office7450 W Thunderbolt DrBoise, ID 83709-0701
Branch Office80 E Riverside DrEagle, ID 83616
Branch Office275 S Stratford DrMeridian, ID 83642-6289
Branch Office738 E Avalon StKuna, ID 83634-2140
Branch Office16275 N Marketplace BlvdNampa, ID 83687-5141
Branch Office500 E Highland StBoise, ID 83706-6517
Branch Office12195 W McMillan RdBoise, ID 83713-2475
Branch Office4853 N Linder RdMeridian, ID 83646
Branch Office1023 12th Ave SNampa, ID 83651
Corporate Office111 S Stratford DrMeridian, ID 83642