What are the current interest rates at CAPITAL EDUCATORS?

Current rates for CAPITAL EDUCATORS include: 12-Month CD: 1.60%, 18-Month CD: 1.70%, 24-Month CD: 1.80%, 60-Month CD: 2.00%, Savings: 1.50%, MMA: 3.49%

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CAPITAL EDUCATORS Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

CAPITAL EDUCATORS's top rates as of October 14, 2026 are 3.85% APY on its 4-Month CD, 1.50% APY on savings, 3.49% APY on money market accounts, 1.00% APY on checking, 6.75% on its Conventional Fixed Mortgage Refinance 15 Year, and personal loans from 12.20% APR, according to rates verified by MonitorBankRates. Other CAPITAL EDUCATORS CD rates include 6 Month Promotional CD at 3.51%, 6 Month Smart Step CD at 3.51%, and Promotional CD - 6 month at 3.51%. Other CAPITAL EDUCATORS mortgage rates include Conventional Fixed Mortgage Purchase 15 Year at 6.88%, Conventional Fixed Mortgage Refinance 10 Year at 6.88%, and Conventional Fixed Mortgage Purchase 10 Year at 7.00%. MonitorBankRates evaluates the financial stability of CAPITAL EDUCATORS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.45%. Rates last updated and verified on 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.45%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

CAPITAL EDUCATORS
Administrative Center

275 S Stratford Dr
Meridian, ID 83642-6289

http://www.capedcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

CAPITAL EDUCATORS CD Rates

Product	Rate	APY	Term
4-Month Certificate	3.80%	3.85%	4 Months
Min Deposit $0 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 6, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Promotional Certificate	-	3.51%	6 Months to 5 Years
Min Deposit $500 Min Balance $500 Details Highest dividend available for promotional certificates; shortest term 6 Months, longest term 5 Years; rates current as of October 5, 2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Smart Step Certificate	-	3.51%	6 Months to 1 Year
Min Deposit $25 Details Available to members under age 26 (opened by or for); 6-month and 12-month options; deposits may be made at any time; highest dividend available; rates current as of October 5, 2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 6 month	3.46%	3.51%	6 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Smart Step Certificate - 6 month	3.46%	3.51%	6 Months
Min Deposit $25 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 12 month	3.36%	3.40%	12 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Smart Step Certificate - 12 month	3.36%	3.40%	12 Months
Min Deposit $25 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 18 month	3.16%	3.20%	18 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 24 month	3.11%	3.15%	24 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 36 month	3.06%	3.10%	36 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 48 month	2.97%	3.00%	48 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Promotional Certificate - 60 month	2.92%	2.95%	60 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
60 Month Standard Certificate	2.08%	2.10%	60 Months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
48 Month Standard Certificate	2.03%	2.05%	48 Months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
60 Month Standard Certificate	2.03%	2.05%	60 Months
Min Deposit $10,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
36 Month Standard Certificate	1.99%	2.00%	36 Months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
48 Month Standard Certificate	1.99%	2.00%	48 Months
Min Deposit $10,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
60 Month Standard Certificate	1.99%	2.00%	60 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
36 Month Standard Certificate	1.94%	1.95%	36 Months
Min Deposit $10,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
48 Month Standard Certificate	1.94%	1.95%	48 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
24 Month Standard Certificate	1.89%	1.90%	24 Months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
36 Month Standard Certificate	1.89%	1.90%	36 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
24 Month Standard Certificate	1.84%	1.85%	24 Months
Min Deposit $10,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
18 Month Standard Certificate	1.79%	1.80%	18 Months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
24 Month Standard Certificate	1.79%	1.80%	24 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
18 Month Standard Certificate	1.74%	1.75%	18 Months
Min Deposit $10,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
12 Month Standard Certificate	1.69%	1.70%	12 Months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
18 Month Standard Certificate	1.69%	1.70%	18 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
12 Month Standard Certificate	1.64%	1.65%	12 Months
Min Deposit $10,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
12 Month Standard Certificate	1.59%	1.60%	12 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Standard Certificate	1.44%	1.45%	6 Months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Standard Certificate	1.39%	1.40%	6 Months
Min Deposit $10,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
6 Month Standard Certificate	1.34%	1.35%	6 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Savings Rates

Product	Rate	APY
High Yield Savings	1.49%	1.50%
Min Balance $0 Details Qualifications Required: High Yield Checking+ account; Balance: $0.00 - $50,000; Qualifications met Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
IRA 591/2 Share Savings	0.75%	0.75%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Education Savings Account	0.50%	0.50%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Rise Youth and Young Adult Savings Account	0.50%	0.50%
Min Balance $5 Details Balance: $5.00 - $2,500.00 Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
High Yield Savings	0.10%	0.10%
Min Balance $50,000 Details Qualifications Required: High Yield Checking+ account; Balance: Over $50,000; Qualifications met Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Idaho MSA Savings Account	0.10%	0.10%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Rise Youth and Young Adult Savings Account	0.10%	0.10%
Min Balance $2,500 Details Balance: Over $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Primary Savings Account	0.05%	0.05%
Min Balance $5 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Secondary Savings Account	0.05%	0.05%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Business Savings Rates

Product	Rate	APY
Business Savings - Commercial	0.30%	0.30%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings - Commercial	0.25%	0.25%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings - Commercial	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings - Commercial	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings - Commercial	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Savings - Basic	0.05%	0.05%
Min Balance $5 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Business Money Market Rates

Product	Rate	APY
Business Money Market Account	3.44%	3.49%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.49% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market Account	-	2.75%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market Account	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market Account	1.74%	1.75%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Business Money Market Account	1.49%	1.50%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Checking Rates

Product	Rate	APY
Money Market Checking	2.47%	2.50%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.98%	2.00%
Min Deposit $25 Min Balance $75,000 Details Balance: $75,000 - 249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.74%	1.75%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - 74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.49%	1.50%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - 49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Money Market Checking	1.24%	1.25%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
High Yield Checking	1.00%	1.00%
Min Balance $0 Details Qualifications Required: Qualifications met (conditions not itemized on page); Balance: $0.00 - $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Idaho MSA Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 and up Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Representative Payee Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 and up Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Mortgage Refinance 15 Year	6.75%	0	7.105%	15 Year
No additional details. Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 7.23% → 7.11% ▼ 0.13 pts · high 7.23% / low 7.11% Oct 14, 20267.11%▼ from 7.23% Oct 10, 20267.23%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Purchase 15 Year	6.875%	0	7.217%	15 Year
No additional details. Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 7.22% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Refinance 10 Year	6.875%	0	7.37%	10 Year
No additional details. Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 7.50% → 7.37% ▼ 0.13 pts · high 7.50% / low 7.37% Oct 14, 20267.37%▼ from 7.50% Oct 10, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Purchase 10 Year	7.00%	0	7.482%	10 Year
No additional details. Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 7.48% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Purchase 30 Year	7.375%	0	7.594%	30 Year
No additional details. Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 7.72% → 7.59% ▼ 0.13 pts · high 7.72% / low 7.59% Oct 10, 20267.59%▼ from 7.72% Oct 6, 20267.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Conventional Fixed Mortgage Refinance 30 Year	7.50%	0	7.728%	30 Year
No additional details. Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 7.86% → 7.73% ▼ 0.13 pts · high 7.86% / low 7.73% Oct 10, 20267.73%▼ from 7.86% Oct 6, 20267.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Auto Loan Rates

Product	Rate	Points	APR	Term
Car & Truck Loan	-	-	5.59%	24 - 96 Months
Details As Low As; Age of Vehicle: 2021 and newer Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 5.09% → 5.59% ▲ 0.50 pts · high 5.59% / low 5.09% Oct 10, 20265.59%▲ from 5.39% Oct 1, 20265.39%▲ from 5.09% Sep 18, 20265.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Car & Truck Loan	-	-	6.59%	24 - 72 Months
Details As Low As; Age of Vehicle: 2016 - 2020 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 6.09% → 6.59% ▲ 0.50 pts · high 6.59% / low 6.09% Oct 10, 20266.59%▲ from 6.39% Oct 1, 20266.39%▲ from 6.09% Sep 18, 20266.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Car & Truck Loan	-	-	7.59%	24 - 60 Months
Details As Low As; Age of Vehicle: 2011 - 2015 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 7.09% → 7.59% ▲ 0.50 pts · high 7.59% / low 7.09% Oct 10, 20267.59%▲ from 7.39% Oct 1, 20267.39%▲ from 7.09% Sep 18, 20267.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loan	-	8.59%	36 - 180 Months
Details As Low As; Age of Vehicle: 2021 and newer Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 7.59% → 8.59% ▲ 1.00 pts · high 8.59% / low 7.59% Oct 10, 20268.59%▲ from 7.89% Oct 1, 20267.89%▲ from 7.59% Sep 14, 20267.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Powersports Loan	-	8.84%	36 - 84 Months
Details As Low As; Age of Vehicle: 2021 and newer Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 8.14% → 8.84% ▲ 0.70 pts · high 8.84% / low 8.14% Oct 10, 20268.84%▲ from 8.44% Oct 1, 20268.44%▲ from 8.14% Sep 18, 20268.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Boat & RV Loan	-	10.59%	36 - 180 Months
Details As Low As; Age of Vehicle: 2016 - 2020 Last Updated 10/14/2026 Rate History 3 changes since Sep 14, 2026 · 7.59% → 10.59% ▲ 3.00 pts · high 10.59% / low 7.59% Oct 10, 202610.59%▲ from 9.89% Oct 1, 20269.89%▲ from 9.59% Sep 18, 20269.59%▲ from 7.59% Sep 14, 20267.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Powersports Loan	-	10.84%	36 - 84 Months
Details As Low As; Age of Vehicle: 2016 - 2020 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 10.14% → 10.84% ▲ 0.70 pts · high 10.84% / low 10.14% Oct 10, 202610.84%▲ from 10.44% Oct 1, 202610.44%▲ from 10.14% Sep 18, 202610.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Personal Loan Rates

Product	APR	Term	View More
Personal Lines of Credit Loan	12.20%
Details Published APR range: 12.20% - 18.00%. Daily Periodic Rate: 0.049% Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 12.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

CAPITAL EDUCATORS Other Rates

Product	Rate	Points	APY/APR	Term
Educator Loan	-	-	2.00%	12 months
Details Amount: $1,501 - $3,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Educator Loan	-	-	3.00%	18 months
Details Amount: $1,501 - $3,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Educator Loan	-	-	4.00%	24 months
Details Amount: $1,501 - $3,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Holiday Cash Stasher	0.50%	-	0.50%
Min Balance $0 Details Balance: $0.00 - $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Holiday Cash Stasher	0.10%	-	0.10%
Min Balance $2,500 Details Balance: Over $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
IRA Roth and IRA Traditional	0.50%	-	0.50%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Simplified Employee Pension	0.50%	-	0.50%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 12 Months	1.59%	-	1.60%	12 Months
Min Deposit $500 Details Minimum Deposit tier: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 12 Months	1.64%	-	1.65%	12 Months
Min Deposit $10,000 Details Minimum Deposit tier: $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 12 Months	1.69%	-	1.70%	12 Months
Min Deposit $50,000 Details Minimum Deposit tier: $50,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 18 Months	1.69%	-	1.70%	18 Months
Min Deposit $500 Details Minimum Deposit tier: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 18 Months	1.74%	-	1.75%	18 Months
Min Deposit $10,000 Details Minimum Deposit tier: $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 18 Months	1.79%	-	1.80%	18 Months
Min Deposit $50,000 Details Minimum Deposit tier: $50,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 24 Months	1.79%	-	1.80%	24 Months
Min Deposit $500 Details Minimum Deposit tier: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 24 Months	1.84%	-	1.85%	24 Months
Min Deposit $10,000 Details Minimum Deposit tier: $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 24 Months	1.89%	-	1.90%	24 Months
Min Deposit $50,000 Details Minimum Deposit tier: $50,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 36 Months	1.89%	-	1.90%	36 Months
Min Deposit $500 Details Minimum Deposit tier: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 36 Months	1.94%	-	1.95%	36 Months
Min Deposit $10,000 Details Minimum Deposit tier: $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 36 Months	1.99%	-	2.00%	36 Months
Min Deposit $50,000 Details Minimum Deposit tier: $50,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 48 Months	1.94%	-	1.95%	48 Months
Min Deposit $500 Details Minimum Deposit tier: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 48 Months	1.99%	-	2.00%	48 Months
Min Deposit $10,000 Details Minimum Deposit tier: $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 48 Months	2.03%	-	2.05%	48 Months
Min Deposit $50,000 Details Minimum Deposit tier: $50,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 6 Months	1.34%	-	1.35%	6 Months
Min Deposit $500 Details Minimum Deposit tier: $500.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 1.35% ▼ 0.75 pts · high 2.10% / low 1.35% Sep 18, 20261.35%▼ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 6 Months	1.39%	-	1.40%	6 Months
Min Deposit $10,000 Details Minimum Deposit tier: $10,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 1.40% ▼ 0.70 pts · high 2.10% / low 1.40% Sep 18, 20261.40%▼ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 6 Months	1.44%	-	1.45%	6 Months
Min Deposit $50,000 Details Minimum Deposit tier: $50,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 1.45% ▼ 0.65 pts · high 2.10% / low 1.45% Sep 18, 20261.45%▼ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 60 Months	1.99%	-	2.00%	60 Months
Min Deposit $500 Details Minimum Deposit tier: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 60 Months	2.03%	-	2.05%	60 Months
Min Deposit $10,000 Details Minimum Deposit tier: $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%
Standard Certificate - 60 Months	2.08%	-	2.10%	60 Months
Min Deposit $50,000 Details Minimum Deposit tier: $50,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

CAPITAL EDUCATORS’s Texas Ratio fell from 9.60% in Q3 2023 to 8.45% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	8.45%	5.0	A
March 31, 2026	$1.4B	8.66%	5.0	A
December 31, 2025	$1.4B	11.24%	5.0	A
September 30, 2025	$1.5B	10.63%	5.0	A
June 30, 2025	$1.5B	11.05%	5.0	A
March 31, 2025	$1.6B	11.55%	5.0	A
December 31, 2024	$1.6B	13.55%	5.0	A
September 30, 2024	$1.6B	12.64%	4.9	A-
June 30, 2024	$1.6B	10.61%	4.8	A-
March 31, 2024	$1.6B	9.89%	4.7	A-
December 31, 2023	$1.6B	11.24%	5.0	A
September 30, 2023	$1.6B	9.60%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 256

Part-Time Employees 1

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.45%

Return on Assets (ROA)

0.1450%

Return on Equity (ROE)

1.7254%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

1,354,387,061

Total Amount of Shares and Deposits

1,010,655,233

Total Shares and Deposits < 1 Year

994,761,438

Total Shares and Deposits 1 3 Years

13,528,797

Total Shares and Deposits > 3 Years

2,364,998

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,865,067

Total Uninsured Shares and Deposits > $250K (F+J)

32,865,067

Total Insured Shares and Deposits > $250K (item 17 less item K)

977,790,166

Total Interest Expense (Sum of items 6 8)

13,182,801

Share Certificates

6,061

Number of Accounts for Share Drafts

55,750

IRA KEOGH Accounts

1,463

Number of Accounts for Regular Shares

111,728

All other shares

Non Member Deposits

Money Market Shares

982

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

60,635,449

Total Liabilities

1,265,971,375

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

CAPITAL EDUCATORS earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About CAPITAL EDUCATORS

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

12-Month CD1.60%
18-Month CD1.70%
24-Month CD1.80%
60-Month CD2.00%
Savings1.50%
MMA3.49%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

CAPITAL EDUCATORS Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

CAPITAL EDUCATORS Texas Ratio

CAPITAL EDUCATORS Health Trend

CAPITAL EDUCATORS CD Rates

CAPITAL EDUCATORS Savings Rates

CAPITAL EDUCATORS Business Savings Rates

CAPITAL EDUCATORS Business Money Market Rates

CAPITAL EDUCATORS Checking Rates

CAPITAL EDUCATORS Mortgage Rates

CAPITAL EDUCATORS Auto Loan Rates

CAPITAL EDUCATORS RV, Boat and Powersport Loan Rates

CAPITAL EDUCATORS Personal Loan Rates

CAPITAL EDUCATORS Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

CAPITAL EDUCATORS earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About CAPITAL EDUCATORS

How many branches does CAPITAL EDUCATORS operate?

Is a member application needed to join CAPITAL EDUCATORS?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does CAPITAL EDUCATORS offer online and mobile banking?

Current CAPITAL EDUCATORS Rates

Compare to Other Credit Unions