Capital Educators Federal Credit Union
Headquarters
P.o. Box 570
Meridian, ID 83680
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2024 Overview
General Credit Union Information
Capital Educators is an NCUA insured institution located in Meridian, ID. It was founded in 1936 and has approximately $1596.77 millions in assets.
Membership Criteria:
- Are any members of your immediate family* or household** currently members with CapEd?
Do you work or volunteer for, or are you retired from, any facet of the Educational Industry in the State of Idaho?
Do any members of your immediate family* or household** meet #2’s qualifications?
When you join the Idaho CapEd Foundation as a Sustaining Member Volunteer, you qualify for membership. The Idaho CapEd Foundation is a non-profit organization that funds worthwhile educational endeavors that include the CapEd Teacher Grant Program. Minimum donations are $1 for students and $5 for non-students.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 1040 |
| Date Established | 1936 |
| Assets | $1,596.77 million |
| Loans | $1,273.78 million |
| Deposits | $1,227.69 million |
| Capital | $108.98 million |
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.
Deposit Rates - November 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| High Yield Checking | 4.00% | $0 | $0.00 | Learn More |
Loan Rates - November 16, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Capital Educators
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Note to Capital Educators
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Branches
Below are Capital Educators branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Capital Educators Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1776.28 | A | View Lobby Hours | |
| 1781.51 | B | View Lobby Hours | |
| 1785.03 | C | View Lobby Hours | |
| 1787.31 | D | View Lobby Hours |
Climate Policy and Initiatives
CAPITAL EDUCATORS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Capital Educators Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Capital Educators. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Capital Educators | U.S. Average |
|---|---|
| 14.17% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Capital Educators had $13,019,469 in non-current loans and $2,957,065 in owned assets. To cover these potential losses it had $108,975,828 in net worth and $3,742,302 in loans loss reserves. That gives it a Texas Ratio of 14.17%.
Net Worth
| Capital Educators | U.S. Average |
|---|---|
| 6.84% | 13.93% |
Capital Educators FCU has a net worth of 6.84% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Capital Educators
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