Capital Educators Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.50% | Reward Checking | High Yield Checking 1.83% - National Average |
| 1.15% | 1-year CD | 12 Month Promotional Share Certificate 1.40% - Synchrony Bank 12 Month CD |
| 1.85% | 5-year CD | 60 Month Promotional Share Certificate 2.35% - Synchrony Bank 60 Month CD |
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
Related Posts
8/31 - One Week CD Specials (35Mo 2.00% APY) At Cap Edu FCU. Quick Look.
6/30 - Capital Educators Federal CU (ID) Raises Rates On Promotional CDs
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
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.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 1040 |
| Year Chartered | 1936 |
| Employees | 187 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.51% |
| Return on Equity - YTD | 7.54% |
| Annual Interest Income | $4.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $581.7MM$520.4MM |
| Loans | Q1 2017vs Q1 2016 | $520.5MM$437.3MM |
| Deposits | Q1 2017vs Q1 2016 | $509.3MM$478.4MM |
| Equity Capital | Q1 2017vs Q1 2016 | $38.7MM$34.5MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $1.5MM$1.2MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $4.0MM$1.4MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | - | $2,500 | Christmas 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.50%* | - | $10k | High Yield Checking | ||
| OTHER TIERS: 0.20% → $10k+ | |||||
| 0.05% | - | - | Classic Checking | ||
| 0.05% | - | - | Medical Checking | ||
Capital Educators Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 | |||||
| Capital Educators Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 7450 W Thunderbolt Dr | Boise, ID 83709-0701 |
| Branch Office | 80 E Riverside Dr | Eagle, ID 83616 |
| Branch Office | 275 S Stratford Dr | Meridian, ID 83642-6289 |
| Branch Office | 738 E Avalon St | Kuna, ID 83634-2140 |
| Branch Office | 16275 N Marketplace Blvd | Nampa, ID 83687-5141 |
| Branch Office | 500 E Highland St | Boise, ID 83706-6517 |
| Branch Office | 12195 W McMillan Rd | Boise, ID 83713-2475 |
| Branch Office | 4853 N Linder Rd | Meridian, ID 83646 |
| Branch Office | 1023 12th Ave S | Nampa, ID 83651 |
| Corporate Office | 111 S Stratford Dr | Meridian, ID 83642 |