CapEd Federal Credit Union

Poorly run. I have been a loyal customer for many years. Then they treated me poorly these past couple of years. I am a hardworking person. Yet they keep taking out fees that I did not owe. They didn't explain their policy. My daughters told me to leave a long time ago. I wish I had listened.

Don't ever bank with this company. The customer service is 100% automated, and you will never get a Branch Manager or a Loan Agent to call you back if you have an issue due to their negligence. I've left countless voicemails for multiple employees and nothing! They take your money and then play cat-and-mouse with the runaround game. Absolute garbage!

DONT BANK HERE. These people are thieves. I get a letter every month that charges me (the father of 2 children) a $5 fee because the bank does not have a good address for my kids.
When these accounts were set up, I lived in another state and wanted to get money to my kids quickly. Since they grew up...they don't use this bank. Unfortunately the savings accounts are "SUPPOSED" to collect interest...these accounts have NEVER collected ANYTHING except a negative balance.
When I call to clear this up, they ask me for a password to get into the account... a password that my kids set up...they also refuse to over ride the password so I can find out which kid they are billing...
I hope they fail like FIRST REPUBLIC. ?

Beware of shady business practices. During these winter months they offer 90day “promo” for first payment. During those 90 days you’re being charged with interest, which is false advertising as they never explained this. So your first payment is basically going to caped. A lot of people can get caught up in this. Beware. They also offer credit card roll over to caped until Oct for a low interest rate, again, I believe this is the same concept once those months are over they’ll get you with high/er interest rates

Quick easy financing. You can make payments online or with app. CapEd offers three skip-payment allowances for lifetime of the loan.

Cap Ed CU has very deceptive practices. I applied for a auto loan and was approved. Yet I was not totally approved and my interest rate changed. Then when I found a car to buy they said I had to get approved which I told them I was already approved, no I guess they have to approve you again by the car you want to buy and the interest rate "could" change....really? I continued to ask for them to explain why I had nothing in writing and wanted them to explain their loan process to me, they never did. I would love to talk to Juvent Ramirez manager "Annette" (is what I was told her name is), please contact me you need to know what is going on. This is a Federal CU and the rules they are using a "Bate N Switch" which is illegal. Juvent Ramirez ran into his office when he saw me coming into the CU in Eagle Idaho today! StephenFausey never returned my emails nor called me back when his manager Juvent Ramirez told me he would have him call me back in 10 minutes, when I was running errands I came in person the CU 2 1/2 hours later only to be placed in a chair waiting! This is absolutely the worst Credit Union I have ever seen, with the worst loan process ever, and practices that can't be legal. ! As soon as I find the federal authorities to contact I sure will turn this into them and have this CU investigated! There was much more that happened last week when we tried to work with Michelle in the loan dept buying a RZR. We lost being able to buy it because of her. I have all the messages, emails, Etc. Beware!!!

DO NOT USE THIS BANK EVEN IF IT IS YOUR LAST RESORT!

Bank uses extremely predatory practices, Wish to make extra payments? sorry no can do as they wont be applied properly. Problem with account, dont worry they will notice, but wont send you anthing till several months later once the problem has grown to an amount where they can charge you all they can. have a dmv issue, don't worry, they will call you 100 times a day threatening to repossess your car. Switched insurance companies, sorry cant do that, they will charge you $800 because your no longer with the insurance company you had at signing of the loan.
so many issues, and can never reach them by phone to fix.

I have been with caped for some time and even in my struggles they have worked with me and been very supportive .
I truly enjoy my experience with caped and continue to do business with them in the future

Cap Ed is like every other money grubbing bank. They lied to us and stole 3000 dollars from us and refuse to correct their actions even after admitting they are wrong and had lied to us previously multiple times. Steer clear of these liars

I do not recommend cap ed to anyone with a business. After depositing a 3k check and asked teller to bring accounts positive she failed to do so with my personal checking. In turn cap ed took $51 from my business checking, applied it to my owed balance on my personal account and closed my business account! What? We'll see what Mr. Lawrence Wasden has to say when I file suit tomorrow morning. Attorney general's office here I come! They're crooks!

Dealing with payments through Cap Ed has been nothing but a headache. Everytime I go on there to fix a problem that has happened, something else goes wrong on Cap Eds side.

Since being with Caped it has been nothing but a hassle and a joke. They tell me I have to wait 24 hours before I can use my money. My stimulus check hit yesterday but the account was closed and charged off but they still took my money instead of sending it back to the IRS.

Worst bank to deal with. I do business with a lot of financial institutions, and these guys are the hardest to work with hands down! Every time I attempt to make a deposit for a client they change the procedure. It's like they don't want money in people's accounts so I suggest banking anywhere else!

I have never had worst customer service at an establishment. I've had nothing but CONSISTENT issues and wouldn't recommend ANYONE getting an account at CapEd. They never have any solutions for me, I'm being constantly told that "that's just how it is" when I order a debit card and I don't receive it for three months. I've had member services forget to reissue me cards, then try and tell me they take 15-20 business days and that's why it's been so long since I've ordered the card, I've worked at a credit union. I know they do NOT take that long so to have employees lie to me directly, is so pathetic. The list goes on and on and it continues to grow. Establishments are supposed to have reasons customers go to them and give them their business, and I can't think of a single one. I will be sure to let everyone I come in contact with know to never do business at CapEd, and for them to exhausted ALL options before even considering your business.

Currently suffering through a CapEd mortgage loan. Based on the experience we are having, my stance is yo tell you to do not use CapEd if you would like to close on time, as well as if you appreciate responses to your email questions (questions such as "Does it look like we will be able to close on time?" ) I applied for an in-house mortgage. Ten days in to the process, it is revealed that our mortgage will be with Flagstar. I applied for in house for a reason-to work locally. Email responses are short and vague, if received at all. I had to give a credit card to pay upfront for the appraisal. This is our sixth home purchase and this is not customary, and we have never had to do this before. Despite having giving the credit card deposit, our loan officer waited two weeks to order the appraisal. Hence the reason we will not be closing on time. Sure, this is just one person's experience, but you will be taking a risk. I would recommend going elsewhere. Perhaps CapEd is good for checking account needs, but mortgages are not a strength for them.