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  CapEd Federal Credit Union Checking Account

CapEd Federal Credit Union Checking Account

in Checking Accounts from CapEd Federal Credit Union · Member ncua

Unaffiliated

CapEd Federal Credit Union Checking Account

Unaffiliated

in Checking Accounts from CapEd Federal Credit Union · Member NCUSIF

Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0 - $18
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05% - 2.5%

CapEd Federal Credit Union Checking Account Review

CapEd Federal Credit Union Checking Account is offered by CapEd Federal Credit Union, a credit union founded in 1936 and based in Meridian, ID. CapEd Federal Credit Union Checking Account is available in 1 state across the USA.

Key Takeaways
  • $100 Bonus offer. Open a new account and you can get up to $100 if you deposit a minimum of $ (see terms and conditions for more details).
  • Very high APY. This account offers an annual percentage yield of up to 2.5%, which is much higher than the average for a checking account.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $18.
  • $5 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
  • No ATM fees. CapEd Federal Credit Union Checking Account does not charge fees on ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Hard credit pull. CapEd Federal Credit Union may require a hard pull on your credit report to open a checking account.
CapEd Federal Credit Union Checking Account Pros & Cons
Pros Cons
  • Offers a signup bonus.
  • High-interest yield.
  • Deposits are insured by the NCUA (up to $250K).
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
CapEd Federal Credit Union Checking Account FAQ

Are checking accounts from CapEd Federal Credit Union federally insured?

Yes, your CapEd Federal Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does CapEd Federal Credit Union Checking Account offer?

CapEd Federal Credit Union Checking Account offers an APY starting at 0.05% and ranging up to 2.5% (APY stands for annual percentage yield, rates may change).

CapEd Federal Credit Union Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.05% - 2.5%

What are the account minimums for CapEd Federal Credit Union Checking Account?

CapEd Federal Credit Union Checking Account requires a minimum initial deposit of $5 to open an account.

CapEd Federal Credit Union Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $5

What fees does CapEd Federal Credit Union Checking Account charge?

The good news is that this account does not have a monthly service charge.

CapEd Federal Credit Union Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $18
NSF Fee $27
Online Bill Pay Fee $0
Overdraft Item Fee $27
Overdraft Protection Fee (per transfer) $25
Paper Statement Fee $0.50
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $0

What features and perks does CapEd Federal Credit Union Checking Account offer?

This account includes the following features:

  • Signup Bonus - Open an account and you will receive a signup bonus of up to $100 if you deposit a minimum of $.
  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Mobile Banking Services - CapEd Federal Credit Union Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Other Services by CapEd Federal Credit Union

Availability

  Available in 1 state
Idaho
Availabile in all of Idaho

Feature Breakdown

Minimum Initial Deposit $5
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $18
NSF Fee $27
Overdraft Item Fee $27
Overdraft Protection Fee (per transfer) $25
Paper Statement Fee $0.50
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $50
Bank Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • Debit Card
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
  • No ATM Fees
  • No Monthly Maintenance Fee
Signup Bonus Starting at $100
Signup Deposit Requirement $0. It’s a win-win for you and education!
APY (Annual Percentage Yield) 0.05% - 2.5%

CapEd Federal Credit Union Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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