Advertising Disclosure
  1. Banks
  2. Capital Educators Federal Credit Union

Capital Educators Federal Credit Union


Overview / Commentary
www.capedcu.com
208-884-0150
570
Meridian, ID 83680-0570

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 300th largest credit union in the nation. It was established in 1936 and as of June of 2024, it had grown to 285 employees and 110,738 members at 12 locations. Capital Educators Federal Credit Union's money market rates are 7X the national average, and it 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

Related Posts

View all posts from:


Reviews (1)

Terrible Visa Rewards System

Posted by: |

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.

4


Health
C+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #1040
Year Chartered1936
Employees285
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD2.11%
Annual Interest Income$45.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.6B$1.49B
LoansQ2 2024vs Q2 2023$1.27B$1.26B
DepositsQ2 2024vs Q2 2023$1.23B$1.24B
Equity CapitalQ2 2024vs Q2 2023$70.8MM$71.4MM
Loan Loss AllowanceQ2 2024vs Q2 2023$10.5MM$3.4MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$12.7MM$11MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
Skip to rates for:
Report an Issue

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
3.00%$0$50kHigh Yield Savings
1.00%*$0$2.5kRise Youth & Young Adult Savings
OTHER TIERS: 0.10% → $2.5k+
1.00%*$0$2.5kHoliday Cash Stasher
OTHER TIERS: 0.10% → $2.5k+
0.75%$10-IRA Savings (59 1/2)
0.75%$0-Roth IRA Savings (59 1/2)
0.50%$10-IRA Savings
0.50%$10-Roth IRA
0.50%$10-ESA Savings
0.50%$10-SEP IRA Savings
0.30%*$250k*-Business Commercial Saving
OTHER TIERS: 0.15% → $2.5k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $250k
0.20%$0-Idaho First-Time Home Buyer Savings
0.10%$0-Idaho MSA Savings
0.05%$5-Primary Savings
0.05%$0-Secondary Savings
0.05%$5-Business Basic Saving

Capital Educators Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%*$250k*-Money Market Account
OTHER TIERS: 1.50% → $2.5k - $25k | 1.75% → $25k - $50k | 2.25% → $50k - $75k | 2.75% → $75k - $250k
3.20%*$250k*-Business Money Market Account
OTHER TIERS: 1.50% → $2.5k - $25k | 1.75% → $25k - $50k | 2.75% → $50k - $250k

Capital Educators Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$0$10kHigh Yield Checking
0.30%*$250k*-Business Commercial Checking
OTHER TIERS: 0.15% → $5k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $250k
0.05%$0-Idaho MSA Checking

Capital Educators Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.65%$25-6 Month Smart Step Certificate
4.65%$500-6 Month Promotional Share Certificate
4.65%$500-6 Month Idaho MSA Promotional Certificate
4.65%$500-Business 6 Month Promotional Share Certificate
4.60%$500-12 Month Promotional Share Certificate
4.60%$25-12 Month Smart Step Certificate
4.60%$500-12 Month Idaho MSA Promotional Certificate
4.60%$500-Business 12 Month Promotional Share Certificate
3.25%*$50k*-6 Month Share Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $50k
3.25%*$50k*-6 Month Idaho MSA Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $50k
3.25%*$50k*-Business 6 Month Share Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $50k
3.25%$500-Business 48 Month Promotional Share Certificate
3.25%$0-48 Month Promotional Share Certificate
3.25%$500-48 Month Idaho MSA Promotional Certificate
3.20%*$50k*-12 Month Share Certificate
OTHER TIERS: 3.10% → $500 - $10k | 3.15% → $10k - $50k
3.20%*$50k*-12 Month Idaho MSA Certificate
OTHER TIERS: 3.10% → $500 - $10k | 3.15% → $10k - $50k
3.20%*$50k*-Business 12 Month Share Certificate
OTHER TIERS: 3.10% → $500 - $10k | 3.15% → $10k - $50k
3.10%*$50k*-18 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $10k | 3.05% → $10k - $50k
3.10%*$50k*-18 Month Idaho MSA Certificate
OTHER TIERS: 3.00% → $500 - $10k | 3.05% → $10k - $50k
3.10%*$50k*-Business 18 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $10k | 3.05% → $10k - $50k
2.85%*$50k*-24 Month Share Certificate
OTHER TIERS: 2.75% → $500 - $10k | 2.80% → $10k - $50k
2.85%*$50k*-24 Month Idaho MSA Certificate
OTHER TIERS: 2.75% → $500 - $10k | 2.80% → $10k - $50k
2.85%*$50k*-Business 24 Month Share Certificate
OTHER TIERS: 2.75% → $500 - $10k | 2.80% → $10k - $50k
2.35%*$50k*-36 Month Share Certificate
OTHER TIERS: 2.25% → $500 - $10k | 2.30% → $10k - $50k
2.35%*$50k*-36 Month Idaho MSA Certificate
OTHER TIERS: 2.25% → $500 - $10k | 2.30% → $10k - $50k
2.35%*$50k*-Business 36 Month Share Certificate
OTHER TIERS: 2.25% → $500 - $10k | 2.30% → $10k - $50k
1.85%*$50k*-48 Month Share Certificate
OTHER TIERS: 1.75% → $500 - $10k | 1.80% → $10k - $50k
1.85%*$50k*-48 Month Idaho MSA Certificate
OTHER TIERS: 1.75% → $500 - $10k | 1.80% → $10k - $50k
1.85%*$50k*-Business 48 Month Share Certificate
OTHER TIERS: 1.75% → $500 - $10k | 1.80% → $10k - $50k
1.60%*$50k*-60 Month Share Certificate
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k
1.60%*$50k*-60 Month Idaho MSA Certificate
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k
1.60%*$50k*-Business 60 Month Share Certificate
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k

Capital Educators Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.65%$500-6 Month Promotional ESA Certificate
4.65%$500-6 Month Promotional IRA Certificate
4.65%$500-6 Month Promotional Roth IRA Certificate
4.65%$500-6 Month Promotional SEP IRA Certificate
4.60%$500-12 Month Promotional IRA Certificate
4.60%$500-12 Month Promotional Roth IRA Certificate
4.60%$500-12 Month Promotional ESA Certificate
4.60%$500-12 Month Promotional SEP IRA Certificate
3.25%*$50k*-6 Month IRA Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $50k
3.25%*$50k*-6 Month Roth IRA Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $50k
3.25%*$50k*-6 Month ESA Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $50k
3.25%*$50k*-6 Month SEP IRA Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $50k
3.25%$500-48 Month Promotional ESA Certificate
3.25%$500-48 Month Promotional IRA Certificate
3.25%$500-48 Month Promotional Roth IRA Certificate
3.25%$500-48 Month Promotional SEP IRA Certificate
3.20%*$50k*-12 Month IRA Certificate
OTHER TIERS: 3.10% → $500 - $10k | 3.15% → $10k - $50k
3.20%*$50k*-12 Month Roth IRA Certificate
OTHER TIERS: 3.10% → $500 - $10k | 3.15% → $10k - $50k
3.20%*$50k*-12 Month ESA Certificate
OTHER TIERS: 3.10% → $500 - $10k | 3.15% → $10k - $50k
3.20%*$50k*-12 Month SEP IRA Certificate
OTHER TIERS: 3.10% → $500 - $10k | 3.15% → $10k - $50k
3.10%*$50k*-18 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $10k | 3.05% → $10k - $50k
3.10%*$50k*-18 Month Roth IRA Certificate
OTHER TIERS: 3.00% → $500 - $10k | 3.05% → $10k - $50k
3.10%*$50k*-18 Month ESA Certificate
OTHER TIERS: 3.00% → $500 - $10k | 3.05% → $10k - $50k
3.10%*$50k*-18 Month SEP IRA Certificate
OTHER TIERS: 3.00% → $500 - $10k | 3.05% → $10k - $50k
2.85%*$50k*-24 Month IRA Certificate
OTHER TIERS: 2.75% → $500 - $10k | 2.80% → $10k - $50k
2.85%*$50k*-24 Month Roth IRA Certificate
OTHER TIERS: 2.75% → $500 - $10k | 2.80% → $10k - $50k
2.85%*$50k*-24 Month ESA Certificate
OTHER TIERS: 2.75% → $500 - $10k | 2.80% → $10k - $50k
2.85%*$50k*-24 Month SEP IRA Certificate
OTHER TIERS: 2.75% → $500 - $10k | 2.80% → $10k - $50k
2.35%*$50k*-36 Month IRA Certificate
OTHER TIERS: 2.25% → $500 - $10k | 2.30% → $10k - $50k
2.35%*$50k*-36 Month Roth IRA Certificate
OTHER TIERS: 2.25% → $500 - $10k | 2.30% → $10k - $50k
2.35%*$50k*-36 Month ESA Certificate
OTHER TIERS: 2.25% → $500 - $10k | 2.30% → $10k - $50k
2.35%*$50k*-36 Month SEP IRA Certificate
OTHER TIERS: 2.25% → $500 - $10k | 2.30% → $10k - $50k
1.85%*$50k*-48 Month IRA Certificate
OTHER TIERS: 1.75% → $500 - $10k | 1.80% → $10k - $50k
1.85%*$50k*-48 Month Roth IRA Certificate
OTHER TIERS: 1.75% → $500 - $10k | 1.80% → $10k - $50k
1.85%*$50k*-48 Month ESA Certificate
OTHER TIERS: 1.75% → $500 - $10k | 1.80% → $10k - $50k
1.85%*$50k*-48 Month SEP IRA Certificate
OTHER TIERS: 1.75% → $500 - $10k | 1.80% → $10k - $50k
1.60%*$50k*-60 Month IRA Certificate
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k
1.60%*$50k*-60 Month Roth IRA Certificate
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k
1.60%*$50k*-60 Month ESA Certificate
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k
1.60%*$50k*-60 Month SEP IRA Certificate
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.