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Become a Member

Membership at CapEd Credit Union not only saves you money over traditional banks and lenders at one of the top credit unions in Idaho. It also helps fund Idaho education by supporting the programs and events that benefit students and teachers.

Membership Supports Education

With a one-time donation to the Idaho CapEd Foundation, anyone can join CapEd and start taking advantage of the great benefits our credit union offers. The Idaho CapEd Foundation allows us to continue our mission of supporting education by awarding local educators with grant funds throughout each school year. So if you're not a member of CapEd already, apply today and remember, you don't have to be an educator to bank with CapEd.

Become a Member

Why Join a Credit Union?

Credit unions are cooperatives which means we are owned by our members. There are numerous benefits to joining a credit union.


Surplus earnings are returned to our members through lower interest rates on loans, higher savings rates, and lower fees. Visit our rates page to see the credit union difference.

Account/ATM Access

We network with other credit unions so you can access hundreds of shared branches and 30,000 surcharge-free ATMs nationwide thanks to the credit union CO-OP network.


Our focus is on making decisions that are best for our members. We don't have shareholders; we have a volunteer board of directors elected by our members.

Serving the Local Community

We love our community and give back through grants, sponsorships, donations, and volunteering.

Financial Education

We are here to help you learn about budgeting, lending, retirement, and many other financial topics. Visit CapEd's Online Learning Center to start improving your financial knowledge today.

Our Products & Services

CapEd members gain access to our wide range of financial products and services, just like at a bank, but better.

Affordable Loans

Members can apply for more affordable loans on cars & trucks, homes, and boats & RVs.

How to Qualify for Membership

You qualify for membership at CapEd if you meet any of the following requirements.

1. You are an employee of, a retiree from, a volunteer1 with, or a student of a public, private, or parochial school in one of the following:

Idaho Counties:

Ada, Adams, Blaine, Boise, Camas, Canyon, Cassia, Elmore, Gem, Gooding, Jerome, Lincoln, Minidoka, Owyhee, Payette, Valley, or Washington.

Twin Falls County School Districts:

Buhl School District, Castleford School District, College of Southern Idaho, Filer School District, Hansen School District, Murtaugh School District, Twin Falls School District, or Xavier Charter School.

2. Any member of your immediate family or household2 meets membership qualification.

3. Any member of your immediate family or household2 is currently a CapEd member.

4. You become a member of the Idaho CapEd Foundation Opens in new tab. through a one-time $20 membership investment.

Support the Idaho Community With Us

CapEd members help us give back to the education community in numerous ways. Check out the programs we offer and the impacts they've made so far!

We Love Teachers

CapEd and our members have given a combined $41,700 to school projects through our We Love Teachers program Opens in new tab. in partnership with DonorsChoose.

CapEd Community Partnerships

CapEd membership helps us to be actively involved with and supportive of local non-profit organizations including the United Way, the Lee Pesky Learning Center, Idaho AEYC, and programs that support refugees.


The following is a list of some of CapEd's top member questions with answers to help you meet your needs faster:

Becoming a member of a credit union, like CapEd Credit Union, is very simple! It starts with membership qualification, which is aligned with the interests of the community the credit union serves and their mission and vision. For CapEd, that's anyone within or in support of the education community, per our membership qualifications listed on this page.

A qualifying member must then join the cooperative with a "Share Account," effectively their share in the credit union as a not-for-profit institution. By opening this account (at CapEd, a Share Savings), you enter credit union membership and, with that share established, then may open or request any account or service that the credit union offers its members. Let's Talk using the live chat in the bottom right corner of your screen to start your membership at CapEd

There are many great ways for local businesses to help teachers in Idaho. Just by becoming a member of CapEd Credit Union, you can support businesses by being a part of our mission to support education in Idaho. If you'd like to donate directly to classroom projects and programs, you can fund projects on, a grassroots fundraising platform for Idaho teachers in partnership with DonorsChoose. You can also donate to the Idaho CapEd Foundation to help fund the Teacher Grant Program, which supports innovation in local classrooms.

Banks and credit unions are both financial institutions, but they operate in different ways and with different missions. Learn about the difference between a bank and a credit union on our blog and visit the CapEd Learning Center for considerations to make when you're looking for the right kind of financial institution for you.

Seeing as they are cooperative community organizations themselves, credit unions are all about community! CapEd Credit Union invests in our community in many ways. We facilitate the funding of local schools with our administration of the Idaho CapEd Foundation and program/classroom funding. We also support the education community with our partnerships with local organizations such as Idaho AEYC, Lee Pesky Learning Center, United Way of Treasure Valley, and more.

Idaho teachers can fund classroom projects in partnership with CapEd in three ways:

  1. Submit an application to fund a specific classroom project to the Idaho CapEd Foundation. Learn more about the Foundation online.
  2. List a classroom project on
  3. Some clever educators have taken CapEd's Doodle Folders to a new level by having their class submit folders to donate to their projects on We Love Teachers. Learn more about the Doodle Folder program.

If you're looking for donations or scholarships from CapEd Credit Union for a specific school event, submit an application on our Sponsorship & Donations page.