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New Membership

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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
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

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: 0.40% Min Deposit: $500.00

Idaho MSA 18 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: 0.45% Min Deposit: $500.00

Idaho MSA 24 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: 0.55% Min Deposit: $0.00

Idaho MSA 36 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: 0.65% Min Deposit: $500.00

Idaho MSA 48 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: 0.75% Min Deposit: $500.00

Idaho MSA 60 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: 0.95% 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)
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Funding

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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.
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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

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'Doing Business As' Information
DBA Business Information
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Your Business Tax ID is used for identification purposes.
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification

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

Additional Information
Security Question*
Security Answer*

Co-Driver's License Scan

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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

Driver's License Scan

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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

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.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information