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CAPITAL EDUCATORS Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
CAPITAL EDUCATORS's 4-Month CD rates are at 3.75%, 1 Year Smart Step CDs rates are at 3.51%, 5 Year Promotional CDs rates are at 3.51%, 6 Month Promotional CD rates are at 3.51%, 6 Month Smart Step CD rates are at 3.51%. CAPITAL EDUCATORS's savings rates are at 0.01%. CAPITAL EDUCATORS's money market rates are at 1.25%. CAPITAL EDUCATORS's Personal Loan Rates are as low as 11.34%. MonitorBankRates evaluates the financial stability of CAPITAL EDUCATORS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.66%. Rates last updated and verified on 09/22/2026. CAPITAL EDUCATORS 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? Share your experience about CAPITAL EDUCATORS by leaving a review below, or read customer reviews before you decide to use CAPITAL EDUCATORS. 
CAPITAL EDUCATORS CD Rates
CAPITAL EDUCATORS Savings Rates
CAPITAL EDUCATORS Money Market Rates
CAPITAL EDUCATORS Checking Rates
CAPITAL EDUCATORS Auto Loan Rates
CAPITAL EDUCATORS RV, Boat and Powersport Loan Rates
CAPITAL EDUCATORS Personal Loan Rates
CAPITAL EDUCATORS Other Rates
Financial Health HistoryCAPITAL EDUCATORS’s Texas Ratio fell from 9.47% in Q2 2023 to 8.66% in Q1 2026, so its financial health has held steady at a healthy level 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CAPITAL EDUCATORS 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CAPITAL EDUCATORS
Website
http://www.capedcu.com
Address
111 S Stratford Dr,
Meridian, ID 83642
Phone
208-884-0150
Fax
208-855-4666
President
Barbara Olic-Hamilton
CEO
Ray Lindley
Full-Time Employees
262
Part-Time Employees
2
Branch Locations
12
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.66%
Return on Assets (ROA)
0.0749%
Return on Equity (ROE)
0.9307%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
1,403,502,472
Total Amount of Shares and Deposits
1,033,406,977
Total Shares and Deposits < 1 Year
1,015,046,607
Total Shares and Deposits 1 3 Years
15,075,425
Total Shares and Deposits > 3 Years
3,284,945
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
39,638,129
Total Uninsured Shares and Deposits > $250K (F+J)
39,638,129
Total Insured Shares and Deposits > $250K (item 17 less item K)
993,768,848
Total Interest Expense (Sum of items 6 8)
6,740,227
Share Certificates
5,786
Number of Accounts for Share Drafts
55,653
IRA KEOGH Accounts
1,488
Number of Accounts for Regular Shares
112,198
All other shares
21
Non Member Deposits
52
Money Market Shares
984
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)
57,035,306
Total Liabilities
1,315,735,265
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for CAPITAL EDUCATORS yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for CAPITAL EDUCATORS
Frequently Asked Questions About CAPITAL EDUCATORSHow many branches does CAPITAL EDUCATORS operate?CAPITAL EDUCATORS 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?Yes, to access services at CAPITAL EDUCATORS, 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 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 provides members with tools to manage their accounts and build a solid financial history. Does CAPITAL EDUCATORS offer online and mobile banking?Most modern institutions like CAPITAL EDUCATORS 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. Current CAPITAL EDUCATORS Rates
Retrieved from our database of financial products. Rates subject to change.
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