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  CapEd Federal Credit Union High Yield Checking Account

CapEd Federal Credit Union High Yield Checking Account

in Checking Accounts from CapEd Credit Union · ncua

Unaffiliated

CapEd Federal Credit Union High Yield Checking Account

Unaffiliated

in Checking Accounts from CapEd Credit Union · Insured by NCUA

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+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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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 High Yield Checking Account Review

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

Key Takeaways
  • 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.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $18.
  • Small minimum initial deposit. You only need $5 to open an account.
  • No ATM fees. CapEd Federal Credit Union High Yield Checking Account does not charge fees on ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
CapEd High Yield checking Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Offers a $100 bonus offer.
  • High-interest yield.
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
CapEd High Yield checking FAQ

Are checking accounts from CapEd Credit Union federally insured?

Yes, your CapEd Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. 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 High Yield checking offer?

CapEd High Yield checking offers an APY starting at 0.05% and ranging up to 2.5% (APY stands for annual percentage yield, rates may change).

CapEd High Yield checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 2.5%

What are the account minimums for CapEd High Yield checking?

CapEd High Yield checking requires a minimum initial deposit of $5 to open an account.

CapEd Federal Credit Union High Yield Checking Account Minimums
Description
Minimum Opening Deposit Starting at $5

What fees does CapEd High Yield checking charge?

The good news is that this account does not have a monthly Service Charge.

CapEd Federal Credit Union High Yield 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

Does CapEd High Yield checking charge overdraft fees?

Yes, CapEd High Yield checking charges a $27 fee for every overdraft.

CapEd High Yield checking offers overdraft protection at a cost of $25 per transaction.

What features and perks does CapEd High Yield checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Mobile Banking Services - CapEd High Yield checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for CapEd High Yield checking?

The customer support email for CapEd High Yield checking is questions@capedcu.com.

How do people rate the customer service and user experience of CapEd High Yield checking?

Overall, CapEd High Yield checking is strongly recommended based on community reviews that rate customer service and user experience.

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Message From CapEd Federal Credit Union High Yield Checking Account

Earn more with a checking account from CapEd. A CapEd High Yield Checking™ Account earns more than regular checking account with 2.00% APY. Plus, you can support local schools with the Get $100 & Give $100 Program! 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by CapEd Credit Union

Availability

  Available in 1 state
Idaho
Availabile in all of Idaho

Feature Breakdown

Minimum Opening Deposit Starting at $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
Account Features
  • No ATM Fees
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
Signup Bonus Starting at $100
Signup Deposit Requirement $0
APY (Annual Percentage Yield) 0.05% - 2.5%

CapEd Federal Credit Union High Yield Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+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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