Last Updated: 01/21/2026
CapEd FCU High Yield Checking Account
Unaffiliated
in Checking Accounts from CapEd Credit Union
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 02/14/2025)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 2.00%(Verified 02/14/2025)
Disclaimer popup with additional information
Monthly Service Fee
$0 - $18(Verified 01/21/2026)
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CapEd FCU High Yield Checking Account Review
The CapEd FCU High Yield Checking Account is offered by CapEd Credit Union, a credit union founded in 1936 and based in Meridian, ID. CapEd High Yield checking is available in 1 state.
Key Takeaways
- Up to 2.00% annual percentage yield (APY). This account offers an annual percentage yield of up to 2.00%, which is much higher than the average for the checking accounts that we track
- $0 monthly account fees available. This account charges a monthly fee of up to $18.
- Small minimum initial deposit. You only need $5 to open an account.
- No ATM fees. CapEd FCU High Yield Checking Account does not charge fees on ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
CapEd High Yield checking Pros & Cons
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CapEd High Yield checking FAQ
Are checking accounts from CapEd Credit Union federally insured?
Yes, your 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 2.00% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 2.00% |
What are the account minimums for CapEd High Yield checking?
CapEd High Yield checking requires a minimum initial deposit of $5.
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does CapEd High Yield checking charge overdraft fees?
Yes, CapEd High Yield checking charges a $27 fee for every overdraft.What features and perks does CapEd High Yield checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for 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 checks1 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.
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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