Credit union · NCUA insured
CapEd Credit Union CD Rates
CapEd Credit Union’s best CD rate is 3.51% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How CapEd Credit Union’s CD rates compare
Compared with banks and credit unions near Boise City, ID, where CapEd Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CapEd Credit Union
2.05%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,068
Idaho MSA Certificate
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,522
CapEd Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CapEd Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Idaho MSA Certificate
Up to 3.51%APY · 7 terms
Medical Savings Account certificate. No monthly service charges. Dividends are compounded and credited quarterly. Rates current as of October 5, 2026. A penalty may be imposed for withdrawals before maturity.
| Term | APY · Any balance | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsPromotional rate. 6 Month term | 3.51% | — | — | — | 3.51% | $174 |
| 6 monthsStandard rate tier ($10,000-$49,999.99) | — | — | 1.40% | — | 1.40% | $70 |
| 6 monthsStandard rate tier ($50,000+) | — | — | — | 1.45% | —1.45% from $50k | — |
| 6 monthsStandard rate tier ($500-$9,999.99) | — | 1.35% | — | — | 1.35% | $67 |
| 12 monthsPromotional rate. 12 Month term | 3.40% | — | — | — | 3.40% | $340 |
| 12 monthsStandard rate tier ($10,000-$49,999.99). 12 Month term | — | — | 1.65% | — | 1.65% | $165 |
| 12 monthsStandard rate tier ($50,000+). 12 Month term | — | — | — | 1.70% | —1.70% from $50k | — |
| 12 monthsStandard rate tier ($500-$9,999.99). 12 Month term | — | 1.60% | — | — | 1.60% | $160 |
| 18 monthsPromotional rate. 18 Month term | 3.20% | — | — | — | 3.20% | $484 |
| 18 monthsStandard rate tier ($10,000-$49,999.99). 18 Month term | — | — | 1.75% | — | 1.75% | $264 |
| 18 monthsStandard rate tier ($50,000+). 18 Month term | — | — | — | 1.80% | —1.80% from $50k | — |
| 18 monthsStandard rate tier ($500-$9,999.99). 18 Month term | — | 1.70% | — | — | 1.70% | $256 |
| 24 monthsPromotional rate. 24 Month term | 3.15% | — | — | — | 3.15% | $640 |
| 24 monthsStandard rate tier ($10,000-$49,999.99). 24 Month term | — | — | 1.85% | — | 1.85% | $373 |
| 24 monthsStandard rate tier ($50,000+). 24 Month term | — | — | — | 1.90% | —1.90% from $50k | — |
| 24 monthsStandard rate tier ($500-$9,999.99). 24 Month term | — | 1.80% | — | — | 1.80% | $363 |
| 36 monthsPromotional rate. 36 Month term | 3.10% | — | — | — | 3.10% | $959 |
| 36 monthsStandard rate tier ($10,000-$49,999.99). 36 Month term | — | — | 1.95% | — | 1.95% | $596 |
| 36 monthsStandard rate tier ($50,000+). 36 Month term | — | — | — | 2.00% | —2.00% from $50k | — |
| 36 monthsStandard rate tier ($500-$9,999.99). 36 Month term | — | 1.90% | — | — | 1.90% | $581 |
| 48 monthsPromotional rate. 48 Month term | 3.00% | — | — | — | 3.00% | $1,255 |
| 48 monthsStandard rate tier ($10,000-$49,999.99). 48 Month term | — | — | 2.00% | — | 2.00% | $824 |
| 48 monthsStandard rate tier ($50,000+). 48 Month term | — | — | — | 2.05% | —2.05% from $50k | — |
| 48 monthsStandard rate tier ($500-$9,999.99). 48 Month term | — | 1.95% | — | — | 1.95% | $803 |
| 60 monthsPromotional rate. 60 Month term | 2.95% | — | — | — | 2.95% | $1,565 |
| 60 monthsStandard rate tier ($10,000-$49,999.99). 60 Month term | — | — | 2.05% | — | 2.05% | $1,068 |
| 60 monthsStandard rate tier ($50,000+). 60 Month term | — | — | — | 2.10% | —2.10% from $50k | — |
| 60 monthsStandard rate tier ($500-$9,999.99). 60 Month term | — | 2.00% | — | — | 2.00% | $1,041 |
Sources (1)
- capedcu.com/personal/wealth-ma…/medical-savings-account · captured Oct 22, 2026
Who can join CapEd Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.