Caped Credit Union

Capital Educators Federal Credit Union, founded in 1936 and headquartered in Meridian, ID, is a trusted national financial institution serving over 111,000 members. With total assets surpassing $1.59 billion and a strong net worth of over $110 million, Capital Educators offers robust financial solutions designed to support your entire financial journey.
Members enjoy convenient access to ATM and cash withdrawal services, basic ATM functions like balance checks, as well as drive-thru and shared branch transactions for added flexibility. Competitive auto loans and vehicle financing options help you get on the road with confidence, while mortgage loans and refinancing solutions make homeownership more attainable.
Personal banking includes checking and savings accounts tailored for everyday needs, credit cards with rewarding benefits, plus personal loans and debt consolidation options to help manage finances effectively. Business owners benefit from specialized merchant services and business loans designed to foster growth. Supported by user-friendly online and mobile banking platforms, managing your accounts anytime, anywhere is seamless.
Led by CEO Todd Erickson and powered by a dedicated team of 290 employees across 13 branches nationwide, Capital Educators Federal Credit Union combines financial strength with member-focused service to help you achieve your financial goals. Learn more at https://capedcu.com/.

Type of Loan Offerings

mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15 Year
5.875 %
6.158 %
15.0 Yrs
CONVENTIONAL
FIXED
10 Year
5.875 %
6.276 %
10.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.75 %
7.002 %
30.0 Yrs
CONVENTIONAL
FIXED
15 Year
5.875 %
6.21 %
15.0 Yrs
CONVENTIONAL
FIXED
10 Year
5.875 %
6.349 %
10.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.624 %
6.861 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share secure loan rates
3.49 - 3.99 %
1 - 5 Yrs
Signature loan rates
11.84 %
5 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
2015 - 2025
5.44 % - 7.44 %
2 Yrs - 8 Yrs

Introduction

At Capital Educators, established in 1936, we are dedicated to empowering our members through personalized financial services while fostering a strong sense of community. Under the leadership of CEO Todd Erickson and Board President Joe Kelly, we strive to provide comprehensive banking solutions that meet the diverse needs of our members, including military personnel and their families. Our headquarters in Meridian, ID, serves as a hub for innovation and commitment to excellent service, reflecting our core values of trust, accessibility, and a member-first approach.
As a federally insured institution since January 4, 1971, by the National Credit Union Administration (NCUA), we take pride in ensuring the safety and security of your deposits. We offer modern banking tools designed for convenience and efficiency, such as online banking, a user-friendly mobile application, person-to-person transfers, e-statements, mobile payments, and electronic signature authorization. With these features at your fingertips, managing your finances has never been easier. Discover more about us at our official website: https://capedcu.com/, or feel free to reach out via fax at 2088554666. Join us on this journey toward financial empowerment and experience the Capital Educators difference today!

Financial Services

At Capital Educators, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of our members. From personal banking solutions such as checking and savings accounts to more specialized services like auto loans, mortgage loans, and credit cards with rewards, we provide the tools necessary for our members to manage their finances effectively. Our business banking options, including merchant services and business loans, empower local entrepreneurs to thrive in today’s competitive market. With our online banking platform and mobile application, members can easily access their accounts anytime, anywhere. Features like person-to-person transfers, mobile payments, e-statements, and electronic signatures ensure that managing money has never been easier or more convenient.
We understand that life is full of milestones that require financial planning and support. Whether you're saving for a new home, financing your dream car, or navigating the complexities of small business ownership, our range of services equips you to make informed decisions and achieve your goals. For those considering membership at Capital Educators, the process is straightforward and accessible—details can be found at http://www.capedcu.com/about/become-a-member/. Additionally, if you're looking for competitive loan rates or want to compare different lending options, our partnership with trusted platforms provides a seamless way to explore your choices at https://www.lendmesh.com/loans/mortgage_loans. Should you have any questions or need assistance along the way, feel free to reach out via fax at (208) 855-4666; we're here to support you every step of the way.

Financial Highlights

Capital Educators is not just a financial institution; it is a trusted partner committed to fostering financial well-being for its members. With a robust Total Membership of 111,221, Capital Educators has cultivated a community that values collaboration and support. The credit union boasts impressive Total Assets amounting to 1,597,502,317, reflecting its sound financial management and stability in the market. This strength is further underscored by a solid Net Worth of 110,269,465, ensuring that members can rely on the institution's longevity and security.
The credit union's commitment to serving its members is evident in its diverse range of offerings, which includes everything from personal banking solutions to commercial loans. With Total Deposits at 37,708,791 and Total Loans and Leases reaching 61,945, Capital Educators operates with transparency and integrity, allowing members to feel secure about their investments. Furthermore, the credit union employs a dedicated team of Total Employees totaling 290, ensuring personalized service and attention to detail.
Capital Educators maintains a healthy Net Worth Ratio of 689, indicating strong financial health compared to industry standards. The credit union actively participates in providing financing options, with an impressive Credit Card Loan Volume of 17,271 and a substantial Auto Loan Volume reaching 45,366. Additionally, the institution supports local businesses through its Commercial Loans, currently standing at 290.
In summary, Capital Educators exemplifies what it means to be a reliable financial partner. It champions community growth while maintaining high standards of performance, as evidenced by its strategic financial metrics sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. If you're ready to explore your financing options, compare real-time loan offers today at https://www.lendmesh.com/loans/mortgage_loans and find the best rates for your needs.

Branch services Offered States

ID

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • ATM Services Only

Services Offered

  • ATM Services Only

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

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