CapEd Credit Union High-Yield Savings & Money Market Rates

How CapEd Credit Union’s savings 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
1.50%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$150
High Yield Savings
Top rate
America First Credit Union
3.95%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$395
America First Credit Union rates
2nd-highest rate
WaFd Bank
3.82%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$382
WaFd Bank rates

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Savings score

Higher than 74% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0001.25%
$100,000 balance$100,0002.00%
QualifiedQualified1.50%

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.

How the score works →

Where CapEd Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Checking

1.25%APY$25 to open

Personal accounts only. Dividends paid monthly when minimum balance to earn dividends is met ($2,500.00). $18.00 monthly fee if account falls below $2,500.00. Up to 3 withdrawals per month without a fee when minimum withdrawal ($200.00) is met; $5.00 fee for withdrawals under $200.00 or exceeding 3 withdrawals.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $25,000Monthly fee waived when balance is $2,500.00 or more.	1.25%	$125	Monthly fee waived when balance is $2,500.00 or more.
$25,000 – $50,000Monthly fee waived when balance is $2,500.00 or more.	1.50%	—	Monthly fee waived when balance is $2,500.00 or more.
$50,000 – $75,000Monthly fee waived when balance is $2,500.00 or more.	1.75%	—	Monthly fee waived when balance is $2,500.00 or more.
$75,000 – $250,000Monthly fee waived when balance is $2,500.00 or more.	2.00%	—	Monthly fee waived when balance is $2,500.00 or more.
$250,000 and upMonthly fee waived when balance is $2,500.00 or more.	2.50%	—	Monthly fee waived when balance is $2,500.00 or more.

Sources (4)

All captured Sep 16, 2026

High Yield Savings

Up to 1.50%APYRequirements apply

Bundled with and requires a High Yield Checking account. Limit one account per Social Security number.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Qualifications met (at least one direct deposit or ACH withdrawal of $500+ and at least twelve debit card purchases of $5+ post and settle per qualification cycle).	1.50%	$150	Qualifications met (at least one direct deposit or ACH withdrawal of $500+ and at least twelve debit card purchases of $5+ post and settle per qualification cycle).
Up to $50,000Qualifications not met.	0.01%	$1	Qualifications not met.
$50,000 and upQualifications met; paid on balance portion over $50,000.	0.10%	—	Qualifications met; paid on balance portion over $50,000.
$50,000 and upQualifications not met.	0.01%	—	Qualifications not met.

Sources (5)

All captured Oct 3, 2026

Idaho First-time Home Buyer Savings

0.20%APY

Must be an Idaho resident who filed an Idaho tax return for the most recent year. Cannot own (single-family or multi-family) at time of application; never owned or purchased (single-family) previously. Annual contribution limits apply ($15,000 individual / $30,000 couple). Lifetime maximum balance is $100,000. No withdrawals within first 30 days of opening.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $100,000	0.20%	$20

Sources (2)

All captured Oct 22, 2026

Idaho MSA Savings Account

0.10%APY

Idaho Medical Savings Account to pay for eligible medical expenses and provide a possible State of Idaho tax deduction.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (4)

All captured Oct 22, 2026

Primary Savings Account

0.05%APY$5 to open

Retains active membership at CapEd.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$5 and up	0.05%	$5

Sources (5)

All captured Oct 22, 2026

Secondary Savings Account

0.05%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.05%	$5

Sources (5)

All captured Oct 22, 2026

Special-purpose accounts

IRA 59½ Share Savings

0.75%APYSeniors

Minimum age of 59½ required to open.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMust be at least 59½ years old.Any balance	0.75%	$75	Must be at least 59½ years old.

Sources (4)

All captured Oct 22, 2026

Education Savings Account

0.50%APYIRA

For eligible education expenses for a child; contributions can be made through age 18.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (4)

All captured Oct 22, 2026

Holiday Cash Stasher

0.10%APYClub

Limit one account per Social Security number. Withdrawals permitted annually without fee from November 1 to January 31; $5.00 fee per month for withdrawals made between February 1 and October 31.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
Up to $2,500On balances up to $2,500.00. · $0 to open	0.50%	$0	—	On balances up to $2,500.00.
Any balanceOn balances over $2,500.00. · Unknown to open	0.10%	Unknown	$10	On balances over $2,500.00.

Sources (1)

capedcu.com/personal/savings/holiday-cash-stasher · captured Oct 22, 2026

IRA Roth and IRA Traditional

0.50%APYIRA

Retirement savings accounts (Traditional IRA and Roth IRA).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (4)

All captured Oct 22, 2026

Rise Youth & Young Adult Savings

0.10%APYKids and teens

Designed for young savers newborn through age 25. Converts to primary Savings Account upon turning 26. Parent or guardian joint owner required if under age 16. Limit one account per primary Social Security number. No monthly service fee. $5 minimum deposit for membership. 0.50% APY on balances up to $2,500.00.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
Any balanceOn balances over $2,500.00. · Unknown to open	0.10%	Unknown	$10	On balances over $2,500.00.
Up to $2,500On balances up to $2,500.00. · $5 to open	0.50%	$5	—	On balances up to $2,500.00.

Sources (1)

capedcu.com/personal/youth-young-adult/rise-savings · captured Oct 22, 2026

Simplified Employee Pension

0.50%APYBusiness

Simplified Employee Pension (SEP) IRA savings account option for retirement savings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (3)

All 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.

Visit institution website ↗Branches and institution details

← CapEd Credit Union overview

How CapEd Credit Union’s savings rates compare

CapEd Credit Union savings score

Current savings rates

Money Market Checking

High Yield Savings

Idaho First-time Home Buyer Savings

Idaho MSA Savings Account

Primary Savings Account

Secondary Savings Account

Special-purpose accounts

IRA 59½ Share Savings

Education Savings Account

Holiday Cash Stasher

IRA Roth and IRA Traditional

Rise Youth & Young Adult Savings

Simplified Employee Pension

Who can join CapEd Credit Union