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  CapEd Federal Credit Union Share Savings Account

CapEd Federal Credit Union Share Savings Account

in Savings Accounts from CapEd Credit Union · ncua

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CapEd Federal Credit Union Share Savings Account

Unaffiliated

in Savings Accounts from CapEd Credit Union · Insured by NCUA

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Highlights
Monthly Fee $0
APY (Annual Percentage Yield) 0.1%
APY Minimum Balance N/A

CapEd Federal Credit Union Share Savings Account Review

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

Key Takeaways
  • Higher than average APY. CapEd Federal Credit Union Share Savings Account has an annual percentage yield of up to 0.1%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $5 to open an account.
  • No ATM fees. CapEd Federal Credit Union Share Savings Account does not charge fees on ATM transactions.
CapEd Federal Credit Union Share savings account Pros & Cons
Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • No signup bonus.
  • Does not come with a debit card
  • Only available in one state.
  • Higher than average wire transfer fees.
CapEd Federal Credit Union Share savings account FAQ

Are savings accounts from CapEd Credit Union federally insured?

Yes, your CapEd Credit Union savings 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.

Does CapEd Credit Union offer a signup bonus?

CapEd Federal Credit Union Share savings account doesn't offer a signup bonus.

What is the minimum initial deposit for CapEd Federal Credit Union Share savings account?

The minimum deposit to open a CapEd Federal Credit Union Share savings account is $5.
CapEd Federal Credit Union Share Savings Account Minimums
Description
Minimum Opening Deposit Starting at $5
Minimum Required Balance $5

What APY does CapEd Credit Union offer?

CapEd Federal Credit Union Share savings account offers an APY of 0.1% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does CapEd Federal Credit Union Share savings account charge?

CapEd Federal Credit Union Share savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

  • Outgoing domestic bank transfers come with a $25 fee.
  • Incoming domestic bank transfers come with a $15 fee.
  • Outgoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $15 fee.

What features and perks does CapEd Federal Credit Union Share savings account offer?

This savings account includes the following features:

  • Fraud monitoring - CapEd Federal Credit Union Share savings account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
  • Mobile Banking Services - CapEd Federal Credit Union Share savings account 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.

Can you set up a direct deposit to CapEd Federal Credit Union Share savings account?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for CapEd Federal Credit Union Share savings account?

The customer support email for CapEd Federal Credit Union Share savings account is questions@capedcu.com.

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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
Minimum Required Balance $5
Monthly Fee $0
Returned Deposit Fee (Domestic) $25
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
Bauer Financial A+/A Rating
Account Features
  • Automatic Transfers
  • Bauer Financial A+/A Rating
  • Branch Access
  • Fraud Monitoring
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Insured by NCUA
  • No ATM Fees
  • No Monthly Maintenance Fee
APY (Annual Percentage Yield) 0.1%

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