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Introduction
Welcome to Capital Educators, your trusted financial partner in the heart of Meridian, ID. Located at 275 S Stratford Dr, our branch has been serving the community since 1936, building relationships and empowering members with a range of financial services designed to meet their needs. With a proud membership of 111,221 individuals, we are committed to helping our members achieve their financial goals. At Capital Educators, we believe in transparency and dedication. Our total assets stand strong at $1,597,502,317, reflecting our stability and commitment to sound financial practices. We currently manage $37,708,791 in deposits, ensuring that your hard-earned money is safe with us. Our team has facilitated 61,945 loans and leases, supporting dreams and aspirations throughout the community. Led by our CEO, Todd Erickson, and guided by Board President Joe Kelly, our team is passionate about fostering a supportive environment for all members. With a dedicated workforce of 290 employees, we are always here to assist you with personalized service. While members can visit us at 275 S Stratford Dr, official correspondence should be sent to P.O. Box 570, Meridian, ID 83680. Whether you're looking for personal loans, savings accounts, or business financing options our doors are open for you! We invite you to explore our services further on our website at capeducu.com. For any inquiries or assistance, feel free to call us at 208-884-0150 during our admin office hours from 8:30 AM to 5:30 PM on weekdays. Join us today and become part of a community that cares about your financial success!
Branch History & Mission
Community Engagement
We are dedicated to making a difference in the lives of our members through various initiatives that promote financial literacy and support local causes. Whether it's sponsoring educational events or participating in community service projects, Capital Educators is here for you. In closing, if you're looking for a financial partner who truly cares about your goals and aspirations, look no further than Capital Educators. Join us today and experience the benefits of being part of a community-focused credit union where your needs come first! For more information about membership eligibility or to learn more about what we offer, please visit our website or give us a call at 208-884-0150. We can't wait to welcome you into the Capital Educators family!
Our Journey
Over the years, Capital Educators has evolved significantly. We began with a simple mission: to provide affordable financial services tailored specifically for educators and their families. As we expanded our membership base, we adapted our services to meet the diverse needs of all residents in Meridian and surrounding areas. Today, we offer a wide range of products including loans, savings accounts, and digital banking solutions designed with our members in mind. Our headquarters in Meridian serves as the heart of our operations. With dedicated staff available during our admin office hours from 8:30 AM to 5:30 PM Monday through Friday, we ensure that personalized service is always just a visit or phone call away. For any official correspondence, members can reach us at P.O. Box 570, Meridian, ID 83680.
Our Mission
At Capital Educators, our mission is clear: we aim to empower our members by providing exceptional financial services while fostering a spirit of community support. We believe in the importance of building lasting relationships with our members based on trust and understanding. Our commitment goes beyond just transactions; we actively engage in community outreach programs and partnerships that enhance the quality of life for everyone in Meridian. We understand the importance of modern banking conveniences as well. While we currently do not have ATM or drive-thru services at this branch location, we offer comprehensive online banking options so members can manage their finances easily and securely from anywhere.
Branch Location & Accessibility
Contact Us
If you're looking for more information about our services or membership eligibility, please visit us online at Capital Educators. While members can visit us at our physical location, official correspondence should be sent to P.O. Box 570, Meridian, ID 83680. We invite you to drop by and discover all that Capital Educators has to offer. Our team looks forward to meeting you and helping you achieve your financial goals!
Convenient Access
Our location offers ample parking and is designed to be welcoming to everyone, including those who may need additional assistance. We ensure that all members can navigate our facilities comfortably. Though we don't have a drive-thru service or ATMs available on-site, our friendly staff is ready to assist you during your visit.
Operating Hours
We understand that life gets busy, which is why our branch operates Monday through Friday from 8:30 AM to 5:30 PM. This schedule allows you to stop by before or after work or during your lunch break. If you have any questions or need assistance outside of these hours, feel free to give us a call at 208-884-0150.
Member Eligibility
At Capital Educators, we believe that becoming a member is like joining a close-knit community where your financial well-being is our top priority. If you're looking to join us at our Meridian location, it's easy! Membership is open to anyone who lives, works, or attends school in the Ada County area, along with their family members. This means that whether you're a local resident or just passing through, you can take advantage of the benefits we offer, such as personalized service and competitive rates. To get started on your membership journey, simply visit us at 275 S Stratford Dr, Meridian ID 83642 or give us a call at (208) 884-0150. You can also check out more detailed eligibility criteria on our website at this link. We're excited to welcome you into our family and help you achieve your financial goals!
Business Banking & Commercial Services
Merchant Services That Work for You
Imagine having a reliable partner to help you manage payments smoothly. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From credit card processing to online payment solutions, we provide tools that fit your needs. Located conveniently at 275 S Stratford Dr Meridian Id 83642, Meridian, ID, our team is ready to assist you. Contact us at (208) 884-0150 during our admin office hours from 8:30 AM to 5:30 PM, Monday through Friday, to learn more about how we can support your business journey!
Tailored Lending Solutions
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $287 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $253,222,992, we continue to drive economic growth by financing new and expanding businesses.
Comprehensive List Of Services
A Focus on Digital Banking
Understanding that many of our members prefer digital solutions, we are committed to enhancing your banking experience through technology. With features like online banking and mobile payments, managing your finances has never been easier. You can check your account, transfer money, or pay bills right from your smartphone or computer.
Banking Made Easy
In today's fast-paced world, convenience is key. That's why we provide ATM services that allow you to access your funds whenever you need them. Whether you're grabbing cash for a night out or checking your balance on the go, our ATM services make banking hassle-free and accessible.
Personalized Member Support
Our dedicated team is here to support you with any questions or concerns you might have about our services. Whether you're new to banking or looking for ways to maximize your membership benefits, we're just a phone call away at 208-884-0150.
Why Choose Us?
Being part of Capital Educators means more than just having access to basic banking services. We believe in building relationships with our members and helping them achieve their financial goals. From saving for a dream vacation to planning for retirement, we're here every step of the way. As you consider how we can assist you in reaching your financial milestones, we invite you to visit us in person or explore our website at capedcu.com. Your journey toward better financial health starts here! If you're ready to take the next step in your financial journey with us, don't hesitate to reach out or stop by our branch in Meridian today!
Digital & Online Banking
Online Banking Made Easy
With our 24/7 online banking services available at https://capedcu.com/, you can access your accounts anytime, anywhere. Whether you want to check your balance, pay bills, or transfer money, everything is just a click away. Plus, our user-friendly interface ensures that even those new to online banking can navigate with ease.
Real-Time Account Management
Managing your accounts has never been easier. With features like real-time account notifications and easy access to all your financial information, you'll always know where you stand financially. No more waiting for statements in the mail; everything is updated in real time. At Capital Educators, we're committed to providing our members with the tools they need for effective financial management. Dive into our digital banking services today and experience the convenience firsthand!
Secure and Convenient Features
Your security is our top priority. That's why we provide electronic signature authorization, ensuring that your transactions are safe and secure. You can also opt for e-statements to keep track of your finances without the clutter of paper statements, allowing you to stay organized while being eco-friendly. For those on the go, our mobile application offers even more flexibility. You can make mobile payments effortlessly and send money quickly through person-to-person transfers. Whether you're splitting a bill or sending funds to a friend, it's all streamlined right from your smartphone.
Financial Strength
Commitment to Operational Efficiency
Our net income of $0 reflects our commitment to operational efficiency while enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 288 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.
Growing Membership Base
Total Share Accounts: 187,236, show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $589,299, highlighting our ability to support the community effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Capital Educators is your trusted partner. Visit us at 275 S Stratford Dr Meridian Id 83642 or call 208-884-0150 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.
Member-Centric Approach
Unlike traditional banks, we prioritize our members. With non-member deposits at $211,370,826, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Members' savings are secured through $271,146,137 in share certificates and $48,550,400 in money market shares, offering stable and rewarding financial growth opportunities.
Reinvestment for Improvement
With $86,636,365 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $22,683 in used auto loans and a total of $1,281,297,866 in loans and leases.
Strong Financial Health
With a net worth of $110,269,465, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 689 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $370,089,626 in used vehicle loans and $123,986,876 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that can make your purchase more affordable.
Business Loans
For business owners, our outstanding commercial loans totaling $253,222,992 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for operational costs, we are here to support your business journey.
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $64,298,924, make buying or refinancing simple. We provide personalized guidance throughout the process to ensure you find the right mortgage product for your needs.
Refinancing and Eligibility
If you're considering refinancing any existing loans for better rates or terms, we encourage you to reach out. Our team can guide you through eligibility options tailored to your specific circumstances. To learn more about our loan offerings or start your application process today, contact us at 208-884-0150 or visit us at our branch located at 275 S Stratford Dr Meridian Id 83642. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial success is our priority! Let Capital Educators help you navigate your borrowing needs with clarity and confidence.
Unsecured Credit Card Loans
We also offer flexible terms on unsecured credit card loans, with a total of $16,370,024 in loans helping members manage their finances effectively. This is an excellent option for those looking to consolidate debt or cover unexpected expenses without putting down collateral.
Loan Aggregator
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How LendMesh Ensures Accurate Loan Comparisons
Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous sourcing ensures that users receive fair and transparent offers without hidden surprises.