Capital Educators Federal Credit Union
Capital Educators Federal Credit Union is headquartered in Meridian and is the 3rd largest credit union in the state of Idaho. It is also the 304th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 289 employees and 104,298 members at 12 locations. Capital Educators Federal Credit Union has a C+ 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, Minidoka, Owyhee, Payette, Valley, or Washington; 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..
See current membership details
Terrible Visa Rewards System
I have been with Capital Educator’s Credit Union for many years. I am a retired teacher on a fixed income, but I want to support education. My frustration is with their Visa card rewards system. I saved up rewards points for over three years & finally was able to save enough to purchase an Apple Ipad on October 15th. After waiting for months making calls every few weeks to the rewards company & to Capital Educators bank I was assured that my IPad would be shipped. As of today,February 23rd, I have never received an email or an explanation as to why I never receive the purchased Ipad.
Today I was told that they put the points back onto my card and did not honor my purchase that went through & was completed with order number, date, etc. Now, all the IPads that are supposedly available are double the points I saved or more. I ordered a 128 GB capacity. No compensation of points, no explanation after eight calls, & no product. The Visa reward system is a complete fraud, especially for individuals that are on limited income, use one card to build points, & save for certain items.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 1040 |
| Year Chartered | 1936 |
| Employees | 289 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.24% |
| Return on Equity - YTD | 23.9% |
| Annual Interest Income | $21.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $1.57B$1.62B |
| Loans | Q1 2025vs Q1 2024 | $1.23B$1.28B |
| Deposits | Q1 2025vs Q1 2024 | $1.19B$1.26B |
| Equity Capital | Q1 2025vs Q1 2024 | $81.4MM$70.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $12.1MM$10.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $14.6MM$11.8MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
