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Introduction
Welcome to Capital Educators, your trusted partner in financial wellness, located at 111 S Stratford Dr, Meridian, ID 83642. Since our establishment in 1936, we've proudly served our community with a commitment to providing excellent financial services and support for our members. With over 111,000 members and total assets reaching an impressive $1.6 billion, we are dedicated to helping you achieve your financial goals. At Capital Educators, we understand that every member's journey is unique. Whether you're looking to purchase your first home, save for a major life event, or manage daily expenses more effectively, we're here to help. Our team of nearly 290 employees is led by our CEO, Todd Erickson, and Board President, Joe Kelly, both of whom are deeply invested in the well-being of our members and the community. While you can reach us at our physical location, we also encourage you to visit us online at capeducu.com for more information about our services. If you need to send official correspondence, please use our mailing address: PO Box 570, Meridian, ID 83680. Our credit union offers a wide array of financial products tailored to meet your needs. With total deposits exceeding $37 million and an extensive portfolio of loans amounting to 61,945, we strive to provide competitive rates and personalized service that set us apart from traditional banks. Join us as we continue to strengthen our community through financial education and support. We invite you to reach out today at (208) 884-0150. Let's work together towards a brighter financial future!
Branch History & Mission
Community Engagement
Our dedication to community support is reflected in various partnerships and initiatives aimed at enhancing local welfare. We strive to foster relationships with local organizations that share our vision for a thriving Meridian. Whether it's sponsoring educational programs or hosting financial literacy workshops, we are committed to being an active participant in the growth of our community. We invite you to join us at Capital Educators. Experience firsthand how we can help you achieve your financial goals while being part of a supportive community network. Together, let's build a brighter future! For more information or to become a member today, visit our website or give us a call at 208-884-0150.
Our Mission
At Capital Educators, our mission is simple yet profound: to empower our members through personalized financial solutions while fostering a sense of community. We believe in making banking accessible and straightforward for everyone. Our commitment extends beyond just financial services; we actively engage in community outreach programs that make a meaningful impact on the lives of our neighbors. As we navigate the modern landscape of banking, we've embraced technological advancements to enhance member experiences. Our digital offerings include online banking, mobile payments, and e-statements ensuring that our services are as convenient as possible for you. Additionally, we uphold ADA compliance standards so that everyone can access our facilities with ease.
Branch Location & Accessibility
Additional Information
For official correspondence, please note that our mailing address is PO Box 570, Meridian, ID 83680. This ensures that all your important documents reach us promptly. We invite you to explore what Capital Educators has to offer and consider becoming a member! Whether you're looking for loans or just want to learn more about our services, feel free to give us a call or visit our website at capedcu.com. We look forward to serving you!
Convenient Access and Parking
Our location offers ample parking space, ensuring that you can visit us without any hassle. We take pride in being ADA compliant, with features like ramps that make our branch accessible to everyone. Although we currently do not offer ATM services or drive-thru banking, our friendly staff is always ready to assist you inside.
Operating Hours
While we may not be open to the public at this time, you can still reach out to us for any inquiries at 208-884-0150. Our team is dedicated to providing excellent service and support whenever you need it.
Member Eligibility
At Capital Educators, we believe in creating a community where everyone feels welcome and supported. Becoming a member is an easy and fulfilling journey that opens the door to a range of financial services tailored just for you. To qualify for membership, you simply need to live, work, or attend school in Ada County or one of its neighboring areas. We also welcome family members of existing members, making it easy for your loved ones to join our friendly network. You can learn more about the specific eligibility criteria by visiting our website at www.capedcu.com. Once you're ready to take the next step, opening an account with us is simple! Just give us a call at (208) 884-0150, and we'll guide you through the process. Our branch is located at 111 S Stratford Dr, Meridian, ID 83642, where our team is excited to help you become part of our wonderful community. Joining Capital Educators means gaining access to not only excellent financial products but also personalized service that puts your needs first. We can't wait to welcome you!
Business Banking & Commercial Services
Business Loan Options
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.
Merchant Services
Imagine having a payment processing solution that seamlessly integrates into your daily operations. Our merchant services provide businesses with the tools they need to accept payments easily and securely, allowing you to focus on what you do best growing your business. From point-of-sale systems to online payment gateways, we're here to help make transactions smooth for you and your customers. Located at 111 S Stratford Dr Meridian Id 83642 in Meridian, ID, we're dedicated to serving local businesses like yours. Contact us at (208) 884-0150 to learn more about how we can support your financial journey!
Comprehensive List Of Services
Banking Made Easy
One of the key offerings at Capital Educators is our ATM Services Only. We recognize that convenience is paramount for our members. With ATM access, you can withdraw cash, check balances, and perform other essential banking tasks without needing to visit a branch. This service ensures you have easy access to your funds whenever you need them.
Digital Banking Features
In today's fast-paced world, digital banking is more important than ever. At Capital Educators, we offer robust online banking features that allow you to manage your accounts from the comfort of your home or on the go. You can pay bills, transfer funds between accounts, and view your transaction history all with just a few clicks. Our mobile application also supports mobile payments and person-to-person transactions, making it simple to send money to friends or family when they need it.
Join Us Today!
We believe in building lasting relationships with our members and empowering them through financial education and support. If you're not already a member, we encourage you to learn more about eligibility by visiting our website at Capital Educators. Experience the benefits of being part of a community-focused credit union that puts your needs first. With services designed for your convenience and financial well-being, Capital Educators is here for you every step of the way!
Personalized Support
While we focus on providing convenient self-service options, we also pride ourselves on offering personalized support whenever needed. Our friendly staff is always ready to assist you with any questions about your account or our services. You can reach us at 208-884-0150 if you need assistance or have inquiries about how our services can work for you.
Digital & Online Banking
Key Features
One of the standout features is our electronic signature authorization. This means you can complete transactions securely without needing to print or physically sign documents. Plus, if you're someone who prefers keeping track of your statements digitally, you'll love our e-statements feature. They're not only eco-friendly but also easy to access whenever you need them. Our mobile application makes banking even more convenient. Whether you're out running errands or relaxing at home, you can manage your accounts right from your smartphone. You can also make mobile payments, which allow for quick and easy transactions directly from your device perfect for those on-the-go moments. If you need to send money to friends or family, our person-to-person transfers are a breeze. You can quickly transfer funds using just their email or phone number, making it simple to share expenses or gift money when needed.
Security and Accessibility
We prioritize your security with every feature we provide. Our online banking platform uses advanced encryption technologies to ensure that your information remains safe while you enjoy the convenience of digital banking. With all these features designed for ease-of-use and real-time account management, banking with Capital Educators becomes not only efficient but also enjoyable. Experience the benefits of digital banking today by visiting us at https://capedcu.com/!
Financial Strength
Commitment to Growth
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 is strong; we have $22,683 in used auto loans and $1,281,297,866 in total loans and leases, supporting your financial goals across various sectors.
Growing Member Base
Total Share and Deposit Accounts: 187,236, showing a strong and growing member base that trusts us with their finances. Our net shares amount to $589,299, which are funds available for lending and investments, further demonstrating our dedication to fostering financial wellness among our members. 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 111 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.
Operational Efficiency
Our operational efficiency is reflected in our $0, which enables 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, committed team.
Secured Savings
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. 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.
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. We provide financing options for both new and used vehicles to ensure you find the right fit for your budget and lifestyle.
Business Loans
For business owners, our outstanding commercial loans totaling $253,222,992 provide the capital needed to grow and expand. We recognize that supporting local businesses is vital for community development and economic growth. If you're interested in any of these loan products or want more information about refinancing options or eligibility requirements, please feel free to reach out. You can contact us at 208-884-0150 or visit us at our branch located at 111 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. We're here to help you navigate your financial journey with ease and confidence!
Credit Lines
For those who prefer access to quick funds when needed, our credit lines amounting to $700,780,254 give you the freedom to borrow as necessary while only paying interest on what you use.
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 aim to support our members through every step of the mortgage process with transparent terms and competitive rates.
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. These cards are designed to provide convenience and flexibility for everyday purchases without needing collateral.
Loan Aggregator
Ensuring Accurate 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 ensures that you receive fair and transparent offers when exploring loan options. Every lender listed has met strict regulatory guidelines, giving you peace of mind as you compare rates.
Key Benefits of Using LendMesh
- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the current market conditions. - Real-Time Rate Comparisons: The platform updates loan rates from multiple institutions regularly, helping users make informed decisions without outdated information. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the experiences of many who have benefited from using the tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*