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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CAPITAL EDUCATORS Rates & Review March 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.
Read Full Bio →
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: March 16, 2026
CAPITAL EDUCATORS's 4-Month CD rates are at 3.75%, 4-Month CDs rates are at 3.75%, 6 month Promotional CD rates are at 3.51%, Smart Step CD 6 month rates are at 3.51%, 12 month Promotional CD rates are at 3.40%. CAPITAL EDUCATORS's savings rates are at 0.05%. CAPITAL EDUCATORS's money market rates are at 1.25%. CAPITAL EDUCATORS's Conventional Fixed 15 Year Mortgage rates are at 5.50%, Conventional Fixed 15 Year rates are at 5.50%, Conventional Fixed 30 Year Mortgage rates are at 6.00%, Conventional Fixed 10 Year Mortgage rates are at 5.75%, Conventional Fixed 10 Year rates are at 5.75%. CAPITAL EDUCATORS's Personal Loan Rates are at 12.45%. MonitorBankRates evaluates the financial stability of CAPITAL EDUCATORS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.66%. Rates were last updated on 03/16/2026. 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. Midland States Bank
Administrative Center 275 S Stratford Dr
http://www.capedcu.com Meridian, ID 83642 6289 
CAPITAL EDUCATORS CD Rates
CAPITAL EDUCATORS Savings Rates
CAPITAL EDUCATORS Money Market Rates
CAPITAL EDUCATORS Checking Rates
CAPITAL EDUCATORS Mortgage Rates
CAPITAL EDUCATORS Personal Loan Rates
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
275 S Stratford Dr,
Meridian, ID 83642 6289
Phone
208-884-0150
Fax
208-855-4666
President
Barbara Olic Hamilton
CEO
Ray Lindley
Full-Time Employees
286
Part-Time Employees
2
Branch Locations
11
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.66%
Return on Assets (ROA)
0.3609%
Return on Equity (ROE)
4.7127%
Non-Performing Loans Ratio (NPL)
1.14%
Total Assets
1,502,406,430
Total Amount of Shares and Deposits
1,120,753,659
Total Shares and Deposits < 1 Year
1,098,583,704
Total Shares and Deposits 1 3 Years
16,978,645
Total Shares and Deposits > 3 Years
5,191,310
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,421,554
Total Uninsured Shares and Deposits > $250K (F+J)
38,421,554
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,082,332,105
Total Interest Expense (Sum of items 6 8)
27,774,557
Share Certificates
6,088
Number of Accounts for Share Drafts
55,632
IRA KEOGH Accounts
1,562
Number of Accounts for Regular Shares
113,542
All other shares
21
Non Member Deposits
57
Money Market Shares
914
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
40,212,954
Total Liabilities
1,418,642,900
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About CAPITAL EDUCATORSIs CAPITAL EDUCATORS a safe place to deposit money?Yes, CAPITAL EDUCATORS is considered a safe financial institution. With a Texas Ratio of 11.657693295538%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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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