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View Rates

View and compare our rates at CapEd for all of our products and services.

Deposit Rates

Checking Account Rates

View our checking account options and rates to find the best one for you. Click the account type to learn more about its features and benefits and open one today.

CapEd Credit Union checking account rates.
Account TypeAccount BalanceDividend RateAPY1
High Yield Checking$0.00 - $10,000 (Qualifications met)5.13%5.25%
Over $10,000 (Qualifications met)0.10%0.10%
$0.00 - $10,000 (Qualifications not met)0.01%0.01%
Over $10,000 (Qualifications not met)0.01%0.01%
Money Market Checking$2,500 - $24,999.991.49%1.50%
$25,000 - 49,999.991.74%1.75%
$50,000 - 74,999.992.23%2.25%
$75,000 - 249,999.992.72%2.75%
$250,000 and up3.15%3.20%
Idaho MSA Checking$0.00 and up0.05%0.05%

Savings Account Rates

View our savings account options and rates to find the best one for you. Click the account type to learn more about its features and benefits and open one today.

CapEd Credit Union savings account rates.
Account TypeMinimum BalanceDividend RateAPY1
Primary Savings Account$5.000.05%0.05%
Secondary Savings Account$0.000.05%0.05%
High Yield Savings
(Requires a High Yield Checking+ account)
$0.00 - $50,000 (qualifications met)3.928%4.00%
Over $50,000 (qualifications met)0.10%0.10%
$0.00 - $50,000 (qualifications not met)0.01%0.01%
Over $50,000 (qualifications not met)0.01%0.01%
Rise Youth and Young Adult Savings Account$5.00 - $2,500.001.00%1.00%
Over $2,500.000.10%0.10%
Education Savings Account$0.000.50%0.50%
Idaho MSA Savings Account$0.000.10%0.10%
Idaho First-time Home Buyer Savings$0.000.20%0.20%
IRA Roth and IRA Traditional$0.000.50%0.50%
IRA 59½ Share Savings$0.000.75%0.75%
Simplified Employee Pension$0.000.50%0.50%
Holiday Cash Stasher$0.00 - $2,500.001.00%1.00%
Over $2,500.000.10%0.10%

Certificate Rates

View our certificate options and rates to find the best one for you. Rates current as of February 15, 2024. To apply for a certificate, please visit our certificates page.

Promotional Certificate Rates

Promotional certificate rates.
TermMinimum DepositDividend RateAPY2
6 Months$500.004.72%4.80%
12 Months$500.004.62%4.70%
18 Months$500.004.18%4.25%
24 Months$500.003.94%4.00%
36 Months$500.003.70%3.75%
48 Months$500.003.455%3.50%
60 Months$500.003.21%3.25%

Important Information: All promotional certificates must be opened with funds that are not currently held in a CapEd Credit Union account or that have been deposited to a CapEd Credit Union account less than 30 days.

Smart Step Certificate Rates

Smart Step certificate rates.
TermMinimum DepositDividend RateAPY2
6 Months$25.004.72%4.80%
12 Months$25.004.62%4.70%

Standard Certificate Rates

Standard certificate rates.
TermMinimum DepositDividend RateAPY2
6 Months$500.000.15%0.15%
$10,000.000.25%0.25%
$50,000.000.30%0.30%
12 Months$500.000.25%0.25%
$10,000.000.35%0.35%
$50,000.000.40%0.40%
18 Months$500.000.30%0.30%
$10,000.000.40%0.40%
$50,000.000.45%0.45%
24 Months$500.000.40%0.40%
$10,000.000.50%0.50%
$50,000.000.55%0.55%
36 Months$500.000.50%0.50%
$10,000.000.60%0.60%
$50,000.000.65%0.65%
48 Months$500.000.60%0.60%
$10,000.000.70%0.70%
$50,000.000.75%0.75%
60 Months$500.000.80%0.80%
$10,000.000.90%0.90%
$50,000.000.95%0.95%

Business Rates

View our business account options and rates to find the one to best fit your needs. To get started with a business account, please visit our business services page.

Business Checking Account Rates

Business checking account rates for Basic and Commercial options.
Account TypeMinimum BalanceDividend RateAPY1
Basic$0.000.00%0.00%
Commercial$5,000 - $24,999.990.15%0.15%
$25,000 - $49,999.990.20%0.20%
$50,000 - $249,999.990.25%0.25%
$250,000+0.30%0.30%

Business Money Market Savings Account Rates

Business money market account rates.
Minimum BalanceDividend RateAPY1
$2,500 - $24,999.991.49%1.50%
$25,000 - $49,999.991.74%1.75%
$50,000 - $249,999.992.72%2.75%
$250,000+3.15%3.20%

Business Savings Account Rates

Business savings account rates for Basic and Commercial options.
Account TypeMinimum BalanceDividend RateAPY1
Basic$5.000.05%0.05%
Commercial$2,500 - $24,999.990.15%0.15%
$25,000 - $49,999.990.20%0.20%
$50,000 - $249,999.990.25%0.25%
$250,000+0.30%0.30%

Loan Rates

Auto Loan Rates

Rates current as of . Please view our car and truck or boat, RV, powersport loan pages for additional information and to apply for a loan.

CapEd Credit Union auto loan rates.
Auto Loan TypeAge of VehicleLoan TermAPR as low asPayment per $1,000 Borrowed
Car & Truck2014 - 202424 - 96 Months6.99%$19.80 (60 months)
2013 and older24 - 96 Months8.99%$20.75 (60 months)
Boat & RV2019 - 202438 - 180 Months9.64%$13.02 (120 months)
2018 and older38 - 180 Months11.64%$14.14 (120 months)
Powersports2019 - 202436 - 60 Months8.99%$16.05 (60 months)
2018 and older36 - 60 Months10.99%$17.12 (60 months)

Important Information: All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

Mortgage Rates

Rates current as of . Please view our purchase a home or home refinance pages for mortgage options, additional information, and application resources.

CapEd Credit Union mortgage loan rates.
Mortgage TypeMortgage TermInterest RateAPRPointsSample Payment
Home Purchase
Conventional Fixed
30 Year6.500%6.730%0Sample Payments for Conventional Fixed 30 Year Mortgage
15 Year6.500%6.838%0Sample Payments for Conventional Fixed 15 Year Mortgage
10 Year6.500%6.976%0Sample Payments for Conventional Fixed 10 Year Mortgage
Home Purchase
Idaho Housing
Contact Us for current rates.
Home Refinance
Conventional Fixed
30 Year6.625%6.870%0Sample Payments for Conventional Fixed 30 Year Mortgage
15 Year7.000%7.293%0Sample Payments for Conventional Fixed 15 Year Mortgage
10 Year7.125%7.537%0Sample Payments for Conventional Fixed 10 Year Mortgage
Home Refinance
Idaho Housing
Contact Us for current rates.

Personal Loan Rates

Rates current as of . If you'd like a personal loan, please visit our personal loan or educator loan pages to learn more about them and apply.

Personal Lines of Credit Rates3

Personal Lines of Credit Rates
TermAPRDaily Periodic Rate
N/A13.45% - 18.00%0.049%

Signature Loan Rates

Signature Loan Rates
Loan AmountLoan TermAPR as low asPayment per $1,000 borrowed
$500.00+Up to 60 months11.74%$26.21 (48 Months)

Share Secure Loan Rates

Share Secure Loan Rates
Loan TermAPR as low asPayment per $1,000 borrowed
12 - 60 Months3.49% - 3.99%$43.20 (24 Months)

Educator Loan Rates

Educator Loan Rates
AmountLoan TermAPRMonthly Payment per $1,000 Borrowed
$7506 months0.00%$166.67
12 months0.00%$83.33
$751 - $1,5006 months0.50%$166.91
12 months1.00%$83.79
18 months2.00%$56.44
24 months3.00%$42.98
$1,501 - $3,0006 months1.00%$167.15
12 months2.00%$84.24
18 months3.00%$56.88
24 months4.00%$43.42

Questions?

Disclosures

1 APY is Annual Percentage Yield. Rates are accurate as of the last dividend declaration date and may change after the account is opened. Fees or other conditions could reduce the earnings on the account.

2 APY is Annual Percentage Yield. Rates are accurate as of the effective date indicated. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Promotional rates offered for a limited time.

3 Payments will be calculated at $5.00 per hundred dollars borrowed or any fraction thereof, with a minimum payment of $25.00. Late fees are 5% of the standard payment or $15.00, whichever is greater, if your payment is more than 12 days late. A $2 share overdraft transfer fee will be imposed when more than 3 transfers over $2 are automatically transferred to cover an overdraft.

All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.