Caped Credit Union

Nestled in the vibrant Meridian community, the Capital Educators Credit Union branch at 1650 S Meridian Rd is your go-to destination for personalized financial solutions that truly put members first. Whether you’re ready to take advantage of some of the best auto loans and vehicle financing options to get behind the wheel of your next car or seeking low mortgage rates and refinancing opportunities that make owning a home more attainable, this branch offers expert guidance paired with friendly, local service. Open Monday through Thursday from 9:00 am to 5:30 pm, Fridays until 6:00 pm, and Saturdays from 10:00 am to 3:00 pm, members enjoy convenient drive-thru banking and ATM access for quick withdrawals and balance checks.
Serving over 111,000 members with assets exceeding $1.5 billion, Capital Educators provides a full range of personal banking products including top checking and savings accounts tailored for everyday convenience. Business owners can also benefit from merchant services and flexible business loans, while individuals have access to credit cards loaded with rewards plus personal loans aimed at debt consolidation. Robust online and mobile banking platforms ensure your money is always within reach.
Visit the Capital Educators Credit Union branch in Meridian today to explore trusted auto financing or mortgage solutions designed just for you. Experience local service that puts your financial goals first—contact us for personalized guidance!

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
Lines of credit rates
12.45 - 18 %
vehicle_loans

Vehicle Loans

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

Introduction

Welcome to Capital Educators at our South Meridian branch, where we've been committed to serving our community since 1936. Located conveniently at 1650 S Meridian Rd, Meridian, ID 83642, we pride ourselves on building strong relationships with our members and providing financial solutions that truly meet their needs. With a total membership of 111,221, we are dedicated to ensuring that every member feels valued and supported. At Capital Educators, we understand the importance of having a reliable financial partner. Our assets total an impressive $1,597,502,317, allowing us to offer robust services tailored for both personal and business banking. Whether you're looking for auto loans or mortgage refinancing, our diverse range of products is designed with your financial well-being in mind. While members can visit us at 1650 S Meridian Rd, official correspondence should be sent to PO Box 570, Meridian, ID 83680. With total deposits reaching $37,708,791 and a solid net worth of $110,269,465, you can trust that your finances are in safe hands. We have provided over 61,945 loans and leases, ensuring that we can support your dreams and aspirations. Our leadership team is dedicated to fostering a welcoming environment. Led by CEO Todd Erickson and Board President Joe Kelly, our staff of 290 employees is ready to assist you with personalized service. We invite you to experience our friendly atmosphere firsthand feel free to reach out by calling us at 208-884-0150. Explore what Capital Educators has to offer today! Visit our website at capedcu.com for more information or stop by our branch to talk with one of our knowledgeable team members. Your financial journey starts here!

Branch History & Mission

A Legacy of Growth

Since opening our doors, Capital Educators has evolved significantly. Our journey began with a small group of dedicated individuals focused on making banking accessible for everyone. Over the years, we have expanded our offerings and now proudly serve over 111,000 members with total assets exceeding $1.5 billion. This growth reflects our commitment to meeting the diverse needs of our community while ensuring that each member feels valued and supported. Our branch is conveniently situated near local landmarks that enhance accessibility for our members. Whether you're stopping by during your commute or visiting us for a special event, you'll find a welcoming environment designed for your convenience.

Join Us Today

As we continue this journey together with our community, we invite you to become part of the Capital Educators family. Experience firsthand the benefits of membership and let us help you achieve your financial goals. Visit us today or explore more about joining us at Capital Educators. Together, we can build a brighter future!

Modern Banking with Heart

In today's fast-paced world, we understand the importance of adapting to technology while maintaining a personal touch. That's why we offer online and mobile banking options alongside traditional services like drive-thru banking and ATMs for your convenience. We also ensure ADA compliance so that everyone can access our services without barriers. Our operating hours are designed with your schedule in mind: Monday through Thursday from 9:00 am to 5:30 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 10:00 am to 3:00 pm. You can reach us at (208) 884-0150 for any inquiries or assistance you may need.

Our Mission

At Capital Educators, our mission is simple yet powerful: to empower our members through quality financial services and community engagement. We strive to provide personal banking options such as checking and savings accounts, auto loans, mortgage financing, and credit card rewards that are tailored to fit every lifestyle. We believe in giving back to the communities we serve. Through partnerships with local organizations and outreach programs, we aim to make a positive impact beyond banking. Our commitment extends to providing educational resources and financial literacy programs that help our members make informed decisions about their finances. While members can visit us at 1650 S Meridian Rd, official correspondence should be sent to PO Box 570, Meridian, ID 83680 if needed.

Branch Location & Accessibility

Get in Touch

While members can visit us at our branch address, official correspondence should be sent to PO Box 570 in Meridian. If you have questions or would like more information about our services, feel free to give us a call at 208-884-0150. We invite you to stop by soon and discover all the ways Capital Educators can support your financial journey!

Nearby Landmarks and Access

Nestled in the heart of Ada County, our location is easy to find. If you're near the bustling intersection of South Meridian Road and East Victory Road, you'll spot us right away. Plus, we have ample parking available, so you can visit without any hassle. Our branch is fully accessible for everyone, featuring ADA-compliant ramps and pathways to ensure that all members can access our services comfortably.

Operating Hours and Services

At Capital Educators, we're here when you need us! Our lobby hours are Monday through Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 10:00 AM to 3:00 PM. Whether it's for personal banking needs like checking and savings accounts or financing options such as auto loans and mortgages, our dedicated staff is ready to assist you. We also offer convenient drive-thru banking for simple transactions like deposits and withdrawals no need to step inside if you're short on time. If you prefer ATM services, rest assured that we have one available for your ease.

Member Eligibility

At Capital Educators, we believe that everyone deserves a place to thrive. Joining our community is straightforward, and we welcome you with open arms! To become a member of Capital Educators, you simply need to meet some friendly eligibility criteria. If you're a resident, employee, or student in the area, you're likely already qualified. We also consider family members of existing members, ensuring that your loved ones can benefit from our supportive financial services as well. For a detailed look at the specific requirements and to see if you qualify, please visit our eligibility page at http://www.capedcu.com/about/become-a-member/. Opening an account with us is just as easy as becoming a member. Whether you're looking to manage your savings, apply for a loan, or explore other financial products, we're here to help every step of the way. Our knowledgeable team is ready to assist you with any questions you might have. Feel free to give us a call at (208) 884-0150 or stop by our branch located at 1650 S Meridian Rd Meridian Id 83642. We can't wait to welcome you into the Capital Educators family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

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 That Make Life Easier

In addition to loans, we offer merchant services tailored for local businesses. Imagine being able to accept payments easily, manage your cash flow seamlessly, and provide customers with convenient options. Our merchant services help streamline your transactions so you can focus on what matters most growing your business. Visit us at 1650 S Meridian Rd Meridian Id 83642 in Meridian, ID, or call us at (208) 884-0150 to learn more about how our business banking services can help you achieve your goals!

Comprehensive List Of Services

Business Banking Services

For small business owners, we understand that managing finances is crucial for success. That's why we offer dedicated business banking services, including merchant services and business loans. These tools are designed to help your business thrive in today's competitive market.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! They not only help you build credit but also offer benefits that can enhance your spending experience. Whether it's cash back or travel rewards, these cards provide an opportunity to earn while you spend.

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Capital Educators, we make banking accessible through our comprehensive online and mobile banking features. You can check balances, transfer funds, or pay bills from anywhere at any time. With our user-friendly mobile app, banking is just a tap away! Additionally, our ATM and cash withdrawal services ensure that you have access to your money when you need it most. We also provide basic drive-thru banking for quick transactions like deposits and withdrawals without leaving your car.

Get In Touch!

We invite you to visit us at our branch or give us a call at 208-884-0150 to learn more about how we can assist you with all your financial needs. Whether you're a long-time member or considering joining us for the first time, we're excited to help you navigate your financial journey with confidence! For more information about membership eligibility or other inquiries, feel free to explore our website at www.capedcu.com.

Personal Banking Solutions

We offer an array of personal banking services designed to simplify your financial life. Our checking and savings accounts provide the perfect foundation for managing your finances, making it easy to set aside money for emergencies or future investments. If you're looking to purchase a vehicle, our auto loans and vehicle financing options are flexible and competitive, ensuring that you can hit the road without breaking the bank. For those aiming to buy their first home or refinance an existing mortgage, our mortgage loans and refinancing solutions come with personalized support every step of the way. Need a little extra cash? Our personal loans and debt consolidation products can help you manage expenses more effectively, allowing you to focus on what really matters.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online platform allows you to view balances, pay bills, and transfer money with just a few clicks. Plus, for those who prefer using their mobile devices, our user-friendly mobile application ensures you have access to your accounts right at your fingertips. You can even make mobile payments effortlessly, allowing you to shop with ease without needing cash or cards. We prioritize your security and peace of mind. Our electronic signature authorization feature enables you to sign documents digitally, speeding up processes while keeping everything safe. And if you're interested in going paperless, our e-statements are readily available, giving you quick access to your account statements without cluttering your mailbox.

Stay Connected Anytime

Need to send money to a friend? Our person-to-person transfer service makes it simple and instant. Whether it's splitting a bill or sending a gift, just a few taps on your screen will do the trick. At Capital Educators, we're dedicated to providing accessible banking solutions tailored for you. Enjoy real-time account management and the freedom to handle your finances anytime, anywhere with our robust digital banking offerings. Start exploring today by visiting us at https://capedcu.com/!

Financial Strength

At Capital Educators, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial health with you, showcasing the strength and reliability that define our credit union. 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. 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. Our commitment to your success is reflected in our $86,636,365 in undivided earnings, which we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $22,683 in used auto loans and $1,281,297,866 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While we have seen fluctuations this year with a net income of $0, this reflects our operational efficiency, 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 who are always ready to assist you with their expertise. Net Shares (Funds available for lending and investments) stand at $589,299, while we have built a robust community with a total of 187,236 accounts. This shows a strong and growing member base that trusts us with their finances. 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 1650 S Meridian Rd 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.

Loan Offering

Additional Options

If you're considering refinancing any existing debts or exploring eligibility options for our various products, our knowledgeable staff is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan offerings or to discuss your specific needs, feel free to reach out to us at 208-884-0150 during our lobby hours: Monday through Thursday from 9:00 am to 5:30 pm and Friday from 9:00 am to 6:00 pm. At Capital Educators, we're committed to providing tailored solutions that empower our members financially. Let us help you take the next step towards achieving your goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $370,089,626 in used vehicle loans and $123,986,876 in new vehicle loans, helping members get on the road with ease. Whether you are interested in financing a brand-new model or a reliable used car, we have options that can work for you.

Business Financing

For business owners, our outstanding commercial loans totaling $253,222,992 provide the capital needed to grow and expand. Whether you're looking to start a new venture or need funds for operational costs, we can help you find the right financing option.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $64,298,924. Our experienced team can guide you through the process and help you find the right solution for your housing needs.

Unsecured Credit Cards

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 credit cards come with benefits designed to meet your lifestyle needs while ensuring easy management of your spending.

Loan Aggregator

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