Eligibility

Applying is quick and easy!

Before beginning the online membership application, please have available the following information about you and your joint signer (if applicable):

Driver's license
Social Security Number
Birthdate
Address

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help fight the funding of terrorism and money laundering activities, federal law requires CapEd to obtain, verify, and record information that identifies each person who opens an account. WHAT THIS MEANS FOR YOU: When you open an account, we will ask for personal information and identification that will allow us to identify you.

Select your eligibility

I am an employee, retiree, student or volunteer of a public, private, or parochial school in one of the following Idaho counties: Ada, Adams, Blaine, Boise, Camas, Canyon, Cassia, Elmore, Gem, Gooding, Jerome, Lincoln, Minidoka, Owyhee, Payette, Valley, or Washington.

I am an employee, retiree, student or volunteer of an Idaho public, private, or parochial school* in the following Twin Falls county school district:

I am an immediate family or household member of at least one of the above.

Qualify for membership by becoming a member of the Idaho CapEd Foundation through a one-time $20 membership fee.

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Required Products

Select at least one of the following products required for membership

Primary Savings

APY: 0.05% Min Deposit: $5.00

Rise Youth Primary Savings

Savings account for youth ages 0-25 years old. 1% APY on balances up to $2,500.

APY: 1.00% Min Deposit: $5.00

You may select one of the following products

Available Products

Recommended Money Market Savings Certificate Account Checking

Money Market Checking

See disclosure for balance, transaction and withdrawal limits.

Max APY: 0.40% Min Deposit: $2,500.00

First-Time Home Buyer Savings

The Idaho First-Time Home Buyer Savings (FTHBS) account helps individuals and married couple save for their first Idaho home. When savings is used for eligible purposes they may be deduct from your Idaho tax liability.

APY: 0.20%

Additional Savings

APY: 0.05%

Holiday Cash Stasher

Only one Holiday Cash Stasher account allowed per Primary Member SSN.

Max APY: 1.00% Min Deposit: $0.00

Idaho Medical Savings

A Medical Savings Account is an account used to pay for medical expenses and possibly receive a State of Idaho income tax deduction* on deposits made to the account. (*Please see your tax advisor)

APY: 0.10%

Idaho MSA 36 Month Rate Bump Certificate

One time rate bump offered per term of certificate.

Max APY: 0.65% Min Deposit: $500.00

36 Month Rate Bump Certificate

One time rate bump offered per term of certificate.

Max APY: 0.65% Min Deposit: $500.00

06 Month Certificate

Max APY: 0.30% Min Deposit: $500.00

Smart Step 06 Month Certificate

Certificate for members under 25 years of age.

Max APY: 0.65% Min Deposit: $25.00

12 Month Certificate

Max APY: 0.40% Min Deposit: $500.00

Smart Step 12 Month Certificate

Certificate for members under 25 years of age.

Max APY: 0.85% Min Deposit: $25.00

18 Month Certificate

Max APY: 0.45% Min Deposit: $500.00

24 Month Certificate

Max APY: 0.55% Min Deposit: $500.00

36 Month Certificate

Max APY: 0.65% Min Deposit: $500.00

48 Month Certificate

Max APY: 0.75% Min Deposit: $500.00

60 Month Certificate

Max APY: 0.95% Min Deposit: $500.00

Idaho MSA 06 Month Certificate

A Medical Savings Certificate is an account used to pay for medical expenses and possibly receive a State of Idaho income tax deduction* on deposits made to the account. Early withdrawal certificate penalties may apply. $500 minimum deposit to open. (*Please see your tax advisor)

Max APY: 0.30% Min Deposit: $500.00

Idaho MSA 12 Month Certificate

Max APY: 0.40% Min Deposit: $500.00

Idaho MSA 18 Month Certificate

Max APY: 0.45% Min Deposit: $500.00

Idaho MSA 24 Month Certificate

Max APY: 0.55% Min Deposit: $0.00

Idaho MSA 36 Month Certificate

Max APY: 0.65% Min Deposit: $500.00

Idaho MSA 48 Month Certificate

Max APY: 0.75% Min Deposit: $500.00

Idaho MSA 60 Month Certificate

Max APY: 0.95% Min Deposit: $500.00

High Yield Checking™

Earn an outstanding 2.00% APY and up to $25 in nationwide ATM fee refunds each qualification cycle.

Cash Back Checking +

Earn 2% cash back on up to $300 in debit card purchases and nationwide ATM refunds up to $25 each qualification cycle. Cash Back Savings earns higher dividend when checking qualifications are met.

Cash Back Savings

Earn 1.25% APY on balances up to $10,000 with a qualifying Cash Back Checking + account.

Cash Back Checking

Earn 2% cash back on up to $300 in debit card purchases and nationwide ATM refunds up to $25 each qualification cycle.

Idaho Medical Checking

A Medical Checking Account is an account used to pay for medical expenses and possibly receive a State of Idaho income tax deduction* on deposits made to the account. (*Please see your tax advisor)

APY: 0.05%

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$2,500.00	N/A
.	0.15%	0.15%	$2,500.00	$2,500.00	N/A
.	0.20%	0.20%	$25,000.00	$2,500.00	N/A
.	0.25%	0.25%	$50,000.00	$2,500.00	N/A
.	0.35%	0.35%	$75,000.00	$2,500.00	N/A
.	0.40%	0.40%	$250,000.00	$2,500.00	N/A

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.50%	0.50%	$500.00	36 (min)
.	0.60%	0.60%	$10,000.00	36 (min)
.	0.65%	0.65%	$50,000.00	36 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.50%	0.50%	$500.00	36 (min)
.	0.60%	0.60%	$10,000.00	36 (min)
.	0.65%	0.65%	$50,000.00	36 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.15%	0.15%	$500.00	$500.00	6 (min)
.	0.25%	0.25%	$10,000.00	$10,000.00	6 (min)
.	0.30%	0.30%	$50,000.00	$50,000.00	6 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.10%	0.10%	$2,500.01	$0.00	N/A
.	1.00%	1.00%	$0.00	$0.00	N/A

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.65%	0.65%	$25.00	6 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.25%	0.25%	$500.00	$500.00	12 (min)
.	0.35%	0.35%	$10,000.00	$10,000.00	12 (min)
.	0.40%	0.40%	$50,000.00	$50,000.00	12 (min)

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One-time Membership Fee

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Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.

This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.

Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Personal Information

Click or tap here to pre-fill information with your driver's license

Are you an employee of CapEd Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

You may take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Click or tap here to capture or upload an image or document.

Additional Information

Security Question*

Security Answer*

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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Moving fast and don't want to type with your thumbs?
Snap a pic of the BACK of your US driver's license to help fill out the form.
If you want to type your information, just close the popup.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Moving fast and don't want to type with your thumbs?
Snap a pic of the BACK of your US driver's license to help fill out the form.
If you want to type your information, just close the popup.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

Security Question*

Security Answer*

Continue Or Go Back

About Your Joint Applicant

Personal Information

Click or tap here to pre-fill information with your driver's license

Are you an employee of CapEd Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Applying is quick and easy!

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Co-Driver's License Scan

Driver's License Scan

New Membership

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Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another finacial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information