2014 high-yield checking: CapEd Federal Credit Union

Checking » High-Yield Checking » Credit Unions » CapEd FCU

Idaho-based CapEd Federal Credit Union offers its High Yield Checking, with a high annual percentage yield but a below-average balance cap. Bankrate's 2014 High-Yield Checking Survey breaks down the returns you can get with each account and the hoops you'll have to jump through to get them.

CapEd Federal Credit Union

Location: Meridian, ID

Nationally offered?APYAPY if conditions not metMonthly debit transactions requiredBill pay or automatic withdrawal required?Direct deposit required?Balance cap
Nationally offered? Y*APY: 2.50%APY if conditions not met: 0.05%Monthly debit transactions required: 12Bill pay or automatic withdrawal required? Y*Direct deposit required? Y*Balance cap: $10,000


  • High Yield Checking: Available nationally ($10 donation to charity required if you do not meet standard credit union membership requirements).
  • Either one direct deposit or automatic payment required per month; enroll in online banking and receive e-statements.
  • ATM fee refunds up to $25 per month.
  • Receipt must be presented for fees of $5 and over.
  • Rate for balance above $10,000 is 0.20%.

*See notes section for more details. canvassed banks, thrifts and credit unions March 10-13 and reports data on 56 high-yield checking accounts offered by 54 institutions.



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