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Last Updated: 01/21/2026

CapEd FCU High Yield Checking Account

from CapEd Credit Union

Last Updated: 01/21/2026

Rating not yet determined1 total votes

1 users recommend

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Highlights

Welcome Offer

N/A(Verified 02/14/2025)

Rewards

N/A

APY (Annual Percentage Yield)

0.05% - 2.00%(Verified 02/14/2025)

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Monthly Maintenance 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

Pros

Cons

Monthly maintenance fee waived (see terms for requirements).
High yield APY .
Insured by NCUA.
Debit card
No charge on incoming domestic or international wire transfers.

No signup bonus.
Only available in one state.

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).

CapEd High Yield checking Rates and Terms

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.

CapEd FCU 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 FCU High Yield Checking Account Fees

Description

Monthly Maintenance 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 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.

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Contact

Headquarters

275 S Stratford Dr

Meridian, ID 83642

(800) 223-7283

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:30PMTuesday9:00AM - 5:30PMWednesday9:00AM - 5:30PMThursday9:00AM - 5:30PMFriday9:00AM - 6:00PMSaturdayClosed

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SuperMoney Net Recommendation Score

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CapEd FCU High Yield Checking Account Community Reviews

Would you recommend CapEd FCU High Yield Checking Account to your friends?

Anonymous

Aug 20, 2020

May or may not recommend

CapEd is federal insured, so I’m not worried about credibility or any chances of losing my funds. Also, they have a minimal fee of $5 for opening an account as an initial deposit. CapEd also reimburses any additional costs that occur if I another ATM outside their system, and it charges me.

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