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Capital Educators Credit Union

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Capital Educators Credit Union Rates & Review November 2026

Q: What are the current interest rates at Capital Educators Credit Union?

Current rates for Capital Educators Credit Union include: 12-Month CD: 1.60%, 18-Month CD: 1.70%, 24-Month CD: 1.80%, 60-Month CD: 2.00%, Savings: 1.50%, MMA: 3.49%

Q: What CD terms does Capital Educators Credit Union offer?

Capital Educators Credit Union CD rates are 3.85% APY for a 4 month CD, 3.51% APY for a 6 month CD, 1.60% APY for a 12 month CD, 1.70% APY for an 18 month CD, 1.80% APY for a 2 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Capital Educators Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Capital Educators Credit Union's 4-Month CD rates are at 3.85%, Promotional CD - 6 month rates are at 3.51%, Promotional CD - 12 month rates are at 3.40%, Promotional CD - 18 month rates are at 3.20%, Promotional CD - 24 month rates are at 3.15%. Capital Educators Credit Union's savings rates are at 1.50%. Capital Educators Credit Union's money market rates are at 3.49%. Capital Educators Credit Union's checking rates are as high as 1.00%. Capital Educators Credit Union's Conventional Fixed Mortgage Refinance - 15 Year rates are at 6.49%, Conventional Fixed Mortgage Purchase - 15 Year rates are at 6.50%, Conventional Fixed Mortgage Refinance - 10 Year rates are at 6.62%, Conventional Fixed Mortgage Purchase - 10 Year rates are at 6.75%, Conventional Fixed Mortgage Purchase - 30 Year rates are at 7.00%. Capital Educators Credit Union's Personal Loan Rates are as low as 11.34%. Capital Educators Credit Union's CD rates are 21% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Capital Educators Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.45%. Rates last updated and verified on 10/30/2026.

Capital Educators Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Capital Educators Credit Union? Share your experience about Capital Educators Credit Union by leaving a review below, or read customer reviews before you decide to use Capital Educators Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.45%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Capital Educators Credit Union
Administrative Center

275 S Stratford Dr
Meridian, ID 83642-6289

http://www.capedcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Capital Educators Credit Union CD Rates

Product	Rate	APY	Term
4-Month Certificate	3.80%	3.85%	4 Months
Min Deposit $0 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 6, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Smart Step Certificate	3.46%	3.51%	6 Months
Min Deposit $25 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 6 month	3.46%	3.51%	6 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
12 Month Smart Step Certificate	3.36%	3.40%	12 Months
Min Deposit $25 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 12 month	3.36%	3.40%	12 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 18 month	3.16%	3.20%	18 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 24 month	3.11%	3.15%	24 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 36 month	3.06%	3.10%	36 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 48 month	2.97%	3.00%	48 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 60 month	2.92%	2.95%	60 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
60 Month Standard Certificate	2.08%	2.10%	60 Months
Min Deposit $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
48 Month Standard Certificate	2.03%	2.05%	48 Months
Min Deposit $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
60 Month Standard Certificate	2.03%	2.05%	60 Months
Min Deposit $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
36 Month Standard Certificate	1.99%	2.00%	36 Months
Min Deposit $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
48 Month Standard Certificate	1.99%	2.00%	48 Months
Min Deposit $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
60 Month Standard Certificate	1.99%	2.00%	60 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
36 Month Standard Certificate	1.94%	1.95%	36 Months
Min Deposit $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
48 Month Standard Certificate	1.94%	1.95%	48 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
24 Month Standard Certificate	1.89%	1.90%	24 Months
Min Deposit $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
36 Month Standard Certificate	1.89%	1.90%	36 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
24 Month Standard Certificate	1.84%	1.85%	24 Months
Min Deposit $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
18 Month Standard Certificate	1.79%	1.80%	18 Months
Min Deposit $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
24 Month Standard Certificate	1.79%	1.80%	24 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
18 Month Standard Certificate	1.74%	1.75%	18 Months
Min Deposit $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
12 Month Standard Certificate	1.69%	1.70%	12 Months
Min Deposit $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
18 Month Standard Certificate	1.69%	1.70%	18 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
12 Month Standard Certificate	1.64%	1.65%	12 Months
Min Deposit $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
12 Month Standard Certificate	1.59%	1.60%	12 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Standard Certificate	1.44%	1.45%	6 Months
Min Deposit $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Standard Certificate	1.39%	1.40%	6 Months
Min Deposit $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Standard Certificate	1.34%	1.35%	6 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	1.49%	1.50%
Min Balance $0 Details Balance: $0.00 - $50,000.00; Qualifications met; Requires High Yield Checking+ account Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
IRA 591/2 Share Savings	0.75%	0.75%
Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Education Savings Account	0.50%	0.50%
Min Balance $0 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Rise Youth and Young Adult Savings Account	0.50%	0.50%
Min Balance $5 Details Balance: $5.00 - $2,500.00 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
High Yield Savings	0.10%	0.10%
Min Balance $50,000 Details Balance: Over $50,000.00; Qualifications met; Requires High Yield Checking+ account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Idaho MSA Savings Account	0.10%	0.10%
Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Rise Youth and Young Adult Savings Account	0.10%	0.10%
Min Balance $2,500 Details Balance: Over $2,500.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Primary Savings Account	0.05%	0.05%
Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Secondary Savings Account	0.05%	0.05%
Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
High Yield Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $50,000.00; Qualifications not met; Requires High Yield Checking+ account Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 0.01% ▼ 1.49 pts · high 1.50% / low 0.01% Oct 30, 20260.01%▼ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
High Yield Savings	0.01%	0.01%
Min Balance $50,000 Details Balance: Over $50,000.00; Qualifications not met; Requires High Yield Checking+ account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.01% ▼ 0.09 pts · high 0.10% / low 0.01% Oct 30, 20260.01%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Business Savings Rates

Product	Rate	APY
Business Savings Account - Commercial	0.30%	0.30%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings Account - Commercial	0.25%	0.25%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings Account - Commercial	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings Account - Commercial	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings Account - Commercial	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings Account - Basic	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.44%	3.49%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.49% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market	-	2.75%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market	1.74%	1.75%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market	1.49%	1.50%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	2.47%	2.50%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.98%	2.00%
Min Deposit $25 Min Balance $75,000 Details Balance: $75,000 - 249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.74%	1.75%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - 74,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.49%	1.50%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - 49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.24%	1.25%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
High Yield Checking	1.00%	1.00%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifications met Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Idaho MSA Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 and up Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Representative Payee Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 and up Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Business Checking Rates

Product	Rate	APY
Business Checking Commercial	0.25%	0.25%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Checking Commercial	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Checking Commercial	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Checking Commercial	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Checking Commercial	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Checking Basic	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Mortgage Refinance - 15 Year	6.49%	-	6.82%	15 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Purchase - 15 Year	6.50%	-	6.835%	15 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Refinance - 10 Year	6.625%	-	7.109%	10 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.11% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Purchase - 10 Year	6.75%	-	7.211%	10 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Purchase - 30 Year	7.00%	-	7.215%	30 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.22% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Refinance - 30 Year	7.25%	-	7.48%	30 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.48% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car & Truck Auto Loan	-	-	5.59%	24 - 96 Months
Details As Low As; Age of Vehicle: 2021 and newer Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Car & Truck Auto Loan	-	-	6.59%	24 - 72 Months
Details As Low As; Age of Vehicle: 2016 - 2020 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Car & Truck Auto Loan	-	-	7.59%	24 - 60 Months
Details As Low As; Age of Vehicle: 2011 - 2015 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loan	-	8.59%	36 - 180 Months
Details As Low As; Age of Vehicle: 2021 and newer Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 7.59% → 8.59% ▲ 1.00 pts · high 8.59% / low 7.59% Oct 10, 20268.59%▲ from 7.89% Oct 1, 20267.89%▲ from 7.59% Sep 14, 20267.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Powersports Loan	-	8.84%	36 - 84 Months
Details As Low As; Age of Vehicle: 2021 and newer Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 8.14% → 8.84% ▲ 0.70 pts · high 8.84% / low 8.14% Oct 10, 20268.84%▲ from 8.44% Oct 1, 20268.44%▲ from 8.14% Sep 18, 20268.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Boat & RV Loan	-	10.59%	36 - 180 Months
Details As Low As; Age of Vehicle: 2016 - 2020 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 7.59% → 10.59% ▲ 3.00 pts · high 10.59% / low 7.59% Oct 10, 202610.59%▲ from 9.89% Oct 1, 20269.89%▲ from 9.59% Sep 18, 20269.59%▲ from 7.59% Sep 14, 20267.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Powersports Loan	-	10.84%	36 - 84 Months
Details As Low As; Age of Vehicle: 2016 - 2020 Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 10.14% → 10.84% ▲ 0.70 pts · high 10.84% / low 10.14% Oct 10, 202610.84%▲ from 10.44% Oct 1, 202610.44%▲ from 10.14% Sep 18, 202610.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	11.34%	Up to 60 months
Details As Low As; Loan Amount: $500.00+; Payment per $1,000 borrowed: $26.01 (48 Months) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.34% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Personal Lines of Credit Loan	12.20%
Details APR range 12.20% - 18.00%; Daily Periodic Rate: 0.049% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.20% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Capital Educators Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Educator Loan	-	-	2.00%	12 months
Details Loan Amount: $1,501 - $3,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Educator Loan	-	-	3.00%	18 months
Details Loan Amount: $1,501 - $3,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Educator Loan	-	-	4.00%	24 months
Details Loan Amount: $1,501 - $3,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Holiday Cash Stasher	0.50%	-	0.50%
Min Balance $0 Details Balance: $0.00 - $2,500.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Holiday Cash Stasher	0.10%	-	0.10%
Min Balance $2,500 Details Balance: Over $2,500.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
IRA Roth and IRA Traditional	0.50%	-	0.50%
Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Simplified Employee Pension	0.50%	-	0.50%
Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Smart Step Certificate - 12 Months	3.36%	-	3.40%	12 Months
Min Deposit $25 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Smart Step Certificate - 6 Months	3.46%	-	3.51%	6 Months
Min Deposit $25 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Capital Educators Credit Union’s Texas Ratio fell from 9.60% in Q3 2023 to 8.45% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	8.45%	5.0	A
March 31, 2026	$1.4B	8.66%	5.0	A
December 31, 2025	$1.4B	11.24%	5.0	A
September 30, 2025	$1.5B	10.63%	5.0	A
June 30, 2025	$1.5B	11.05%	5.0	A
March 31, 2025	$1.6B	11.55%	5.0	A
December 31, 2024	$1.6B	13.55%	5.0	A
September 30, 2024	$1.6B	12.64%	4.9	A-
June 30, 2024	$1.6B	10.61%	4.8	A-
March 31, 2024	$1.6B	9.89%	4.7	A-
December 31, 2023	$1.6B	11.24%	5.0	A
September 30, 2023	$1.6B	9.60%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Capital Educators Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Capital Educators Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Capital Educators Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Capital Educators Credit Union

Website http://www.capedcu.com

Address 275 S Stratford Dr, Meridian, ID 83642-6289

Phone 208-884-0150

Fax 208-855-4666

President Barbara Olic-Hamilton

CEO Ray Lindley

Full-Time Employees 256

Part-Time Employees 1

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.45%

Return on Assets (ROA)

0.1450%

Return on Equity (ROE)

1.7254%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

1,354,387,061

Total Amount of Shares and Deposits

1,010,655,233

Total Shares and Deposits < 1 Year

994,761,438

Total Shares and Deposits 1 3 Years

13,528,797

Total Shares and Deposits > 3 Years

2,364,998

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,865,067

Total Uninsured Shares and Deposits > $250K (F+J)

32,865,067

Total Insured Shares and Deposits > $250K (item 17 less item K)

977,790,166

Total Interest Expense (Sum of items 6 8)

13,182,801

Share Certificates

6,061

Number of Accounts for Share Drafts

55,750

IRA KEOGH Accounts

1,463

Number of Accounts for Regular Shares

111,728

All other shares

Non Member Deposits

Money Market Shares

982

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

60,635,449

Total Liabilities

1,265,971,375

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Capital Educators Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Capital Educators Credit Union

Does Capital Educators Credit Union offer CDs?

Yes. Capital Educators Credit Union current CD rates include its 4-Month CD at 3.85% APY, its Promotional CD - 6 month at 3.51% APY and its Promotional CD - 12 month at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Capital Educators Credit Union NCUA insured?

Yes. Capital Educators Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Capital Educators Credit Union?

The highest Capital Educators Credit Union CD rate is its 4-Month CD at 3.85% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Capital Educators Credit Union offer?

Capital Educators Credit Union CD rates are 3.85% APY for a 4 month CD, 3.51% APY for a 6 month CD, 1.60% APY for a 12 month CD, 1.70% APY for an 18 month CD, 1.80% APY for a 2 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Capital Educators Credit Union for its full lineup.

What is the highest savings rate at Capital Educators Credit Union?

The highest Capital Educators Credit Union savings rate is its High Yield Savings at 1.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Capital Educators Credit Union?

The highest Capital Educators Credit Union money market rate is its Business Money Market at 3.49% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Capital Educators Credit Union?

The highest Capital Educators Credit Union checking rate is its Money Market Checking at 2.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Capital Educators Credit Union?

The lowest Capital Educators Credit Union 30 year fixed mortgage rate is its Conventional Fixed Mortgage Purchase - 30 Year at 7.00%, verified by MonitorBankRates as of October 30, 2026. Capital Educators Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.49% for a 15 year mortgage and 6.625% for a 10 year mortgage.

What is the lowest auto loan rate at Capital Educators Credit Union?

The lowest Capital Educators Credit Union auto loan rate is its Car & Truck Auto Loan at 5.59% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Capital Educators Credit Union?

The lowest Capital Educators Credit Union personal loan rate is its Signature Loan at 11.34% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Capital Educators Credit Union operate?

Capital Educators Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Capital Educators Credit Union?

Yes, to access services at Capital Educators Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Capital Educators Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capital Educators Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Capital Educators Credit Union offer online and mobile banking?

Most modern institutions like Capital Educators Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.capedcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Capital Educators Credit Union rates compare?

Capital Educators Credit Union's CD rates are 21% lower than the MonitorBankRates national average, and it has an A health rating. Capital Educators Credit Union's top rates are its 4-Month CD at 3.85% APY, its High Yield Savings at 1.50% APY, its Business Money Market at 3.49% APY, its High Yield Checking at 1.00% APY, its Conventional Fixed Mortgage Refinance - 15 Year at 6.49% and its Signature Loan at 11.34% APR, verified by MonitorBankRates on October 30, 2026.

Current Capital Educators Credit Union Rates

12-Month CD1.60%
18-Month CD1.70%
24-Month CD1.80%
60-Month CD2.00%
Savings1.50%
MMA3.49%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Capital Educators Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Capital Educators Credit Union Texas Ratio

Capital Educators Credit Union Health Trend

Capital Educators Credit Union CD Rates

Capital Educators Credit Union Savings Rates

Capital Educators Credit Union Business Savings Rates

Capital Educators Credit Union Business Money Market Rates

Capital Educators Credit Union Checking Rates

Capital Educators Credit Union Business Checking Rates

Capital Educators Credit Union Mortgage Rates

Capital Educators Credit Union Auto Loan Rates

Capital Educators Credit Union RV, Boat and Powersport Loan Rates

Capital Educators Credit Union Personal Loan Rates

Capital Educators Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Capital Educators Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Capital Educators Credit Union

Does Capital Educators Credit Union offer CDs?

Are CDs from Capital Educators Credit Union NCUA insured?

What is the highest CD rate at Capital Educators Credit Union?

What CD terms does Capital Educators Credit Union offer?

What is the highest savings rate at Capital Educators Credit Union?

What is the highest money market rate at Capital Educators Credit Union?

What is the highest checking rate at Capital Educators Credit Union?

What is the lowest 30 year fixed mortgage rate at Capital Educators Credit Union?

What is the lowest auto loan rate at Capital Educators Credit Union?

What is the lowest personal loan rate at Capital Educators Credit Union?

How many branches does Capital Educators Credit Union operate?

Is a member application needed to join Capital Educators Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Capital Educators Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Capital Educators Credit Union rates compare?

Current Capital Educators Credit Union Rates

Compare to Other Credit Unions