Capital Educators Federal Credit Union

Overview / Commentary
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 410th largest credit union in the nation. It was established in 1936 and as of December of 2019, it had grown to 223 employees and 80,874 members at 12 locations. Capital Educators Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

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 the Idaho counties of Ada, Adams, Blaine, Boise, Camas, Cassia, Canyon, Elmore, Gem, Gooding, Jerome, Lincoln, Owyhee, Payette, Minidoka, Washington or Valley, or the following Twin Falls County School Districts: Buhl, Castleford, College of Southern Idaho, Filer, Hansen, Murtaugh, Twin Falls, or Xavier Charter. Immediate family of current CapEd members are also welcome to apply..
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Reviews (4)

A decent bank for business needs

Posted by: |

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: |

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.


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.…


Health Grade Components

NCUA #1040
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD9.09%
Annual Interest Income$30.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$783.1MM$664.8MM
LoansQ4 2019vs Q4 2018$637.5MM$586.6MM
DepositsQ4 2019vs Q4 2018$648.3MM$580.5MM
Equity CapitalQ4 2019vs Q4 2018$54.8MM$47.3MM
Secondary CapitalQ4 2019vs Q4 2018$7.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.6MM$2.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.1MM$3.1MM
Real Estate OwnedQ4 2019vs Q4 2018$0$0

Rates for Capital Educators Federal Credit Union are currently being reviewed.



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