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    Home state: Idaho
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    Lends in 3 states

    CAPITAL EDUCATORS mortgage rates

    CAPITAL EDUCATORS's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track CAPITAL EDUCATORS daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from CAPITAL EDUCATORS

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.074%0Sep 11, 2026Visit
    15 Year Fixed6.375%6.708%0Sep 11, 2026Visit
    10 Year Fixed6.5%6.972%0Sep 11, 2026Visit
    10 Year Fixed Refinance6.5%6.988%0Sep 11, 2026Visit
    15 Year Fixed Refinance6.375%6.724%0Sep 11, 2026Visit
    30 Year Fixed Refinance6.875%7.081%0Sep 11, 2026Visit
    Visit CAPITAL EDUCATORS's rates page

    Rate history

    Lowest daily rate CAPITAL EDUCATORS advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join CAPITAL EDUCATORS

    Open to anyone nationwide via a one-time $20 membership investment in the Idaho CapEd Foundation. Also open to employees, retirees, volunteers, and students of public, private, or parochial schools in 17 Idaho counties (Ada, Adams, Blaine, Boise, Camas, Canyon, Cassia, Elmore, Gem, Gooding, Jerome, Lincoln, Minidoka, Owyhee, Payette, Valley, Washington) and — within Twin Falls County — Buhl, Castleford, Filer, Hansen, Murtaugh, and Twin Falls School Districts, College of Southern Idaho, and Xavier Charter School. Immediate family or household members of a qualifying individual or existing member are also eligible.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Family of a member
    Immediate family or household of a qualifying person, Immediate family or household of an existing CapEd member
    County
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    Where CAPITAL EDUCATORS writes mortgages

    CAPITAL EDUCATORS publishes mortgage lending in 3 states.

    IdahoOregonUtah

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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