LINES Summer 2015
Volume 31 • No. 2
OF COMMUNICATION
We just got bigger
Shared Branch Network opens up 5,000 branches for you! 3
College Bound
Best service, every time
Seniors and Juniors can attend our College Admissions Workshop. 5
Your Checking Account, Home Loan, Home or Auto insurance or even a family getaway at the Great Escape, how can we help you this summer?
We’ve got you covered Introducing CAP COM Insurance Services, auto and home coverage. 7
4 Winners Circle Albany, NY 12205
Summer 2015 1
PRSRT STD U.S. Postage PAID Albany, NY Permit #186
IN THIS
LINES
HERE’S WHAT YOU SHOULD KNOW
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CO-OP SHARED BRANCHING All branches in the nation with the CO-OP Logo could be yours.
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FUNDAY Mark your calendar for this year’s FUNday at the Great Escape.
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NO MONEY FOR COLLEGE? Here are some saving strategies to consider.
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WE’VE GOT YOU COVERED CAP COM Insurance Services is now open for your home and auto insurance needs.
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PUPPY PAUSE Meet the newest addition to our team of Foundation volunteers.
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President/CEO’s Message Our members tell us time and again that what sets CAP COM apart is the way they feel when they interact with our staff.
“We are excited to announce our participation in CO-OP Shared Branching.” Take, for example, Bob Bruno (Page 11) who said he’s never seen people who like what they do as much as the staff here at CAP COM. I couldn’t be more proud to hear that. We are honored to be recognized by Capital Region Living Magazine readers once again this year with being the Best in Customer Service and the Times Union has also named us one of this year’s Top Workplaces. Our participation in the CO-OP Shared Branch Network gives you access to your account at more than 5,000 credit union locations across the country with the same personalized service you are used to here at CAP COM. Find out more on Page 3. With summertime comes increased anticipation for those families with students going to college. It’s getting harder to put off those difficult decisions about how to pay for tuition this fall. The reality of increasingly expensive tuition is not something that will go away anytime soon. Our College Bound Specialists are ready to help you find the best solution for your family. You can read some more interesting information about college financing and the products we have for young adults on Page 5.
You’ve been asking for more options and better pricing on auto and homeowners insurance, and we’ve listened. Our newest division, CAP COM Insurance Services (see Page 6), opened for business on June 1. You now have a fast and easy way to receive quotes from many of the top-rated insurance carriers. Our team can help you get the coverage you need at the best possible price. Did you know that, through our member referral program, you can earn up to $250 cash for sharing your great CAP COM experiences with your friends and family? Share your stories! Tell everyone you know about those moments when someone at CAP COM made a difference for you. I would encourage you to share those experiences with our Marketing Team at marketing2@capcomfcu.org. You may even find yourself featured in future editions of our newsletter!
FRAUD ON THE PHONE Protect yourself from these common phone scams.
10 RETIREMENT CALCULATIONS Are you ready to retire?
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GROW YOUR BUSINESS Take your business to the next level.
Calendar of Events JUNE Tuesday, June 23 Retirement Bound Workshop 6:30-8 p.m. (Registration and light refreshments begin at 6 p.m.) Troy Hilton Garden Inn See Page 10 JULY Friday, July 3 Closed for Independence Day Saturday, July 4 Closed for Independence Day
2 Summer 2015
AUGUST Saturday, August 8 Sunday, August 9 FUNday at the Great Escape See Page 4 SEPTEMBER Saturday, September 5 Closed for Labor Day Monday, September 7 Closed for Labor Day
OCTOBER Tuesday, October 6 College Admissions Workshop 6:30-8:30 p.m. (doors open at 6 p.m.) Albany Marriott, 189 Wolf Road See Page 5
Something magical is coming ...
The CO-OP Shared Branch Network links participating credit unions across the nation, allowing you to use those with the CO-OP Shared Branch logo for your “branch banking” – just as if you were visiting CAP COM. So, when you travel or if you live or work in an area that isn’t near a branch, you can still enjoy the convenience of expanded access. Wherever you are, chances are good there’s a shared branch near you. What types of transactions can I perform?* • Deposits and withdrawals • Account inquiries • Print statements • Transfers (within one or more credit union accounts) • Loan payments and advances • Purchase Traveler’s Checks, money orders How do I find a shared branch location? • Visit www.capcomfcu.org/locations • Call (888) SITE-COOP • Download the “Find Branch” CO-OP Shared Branch app for iPhone users • Look for the CO-OP Shared Branching logo at a location near you What will I need to bring with me? You must provide the teller in a participating Shared Branch location with your name, the name of your credit union, your account number, the last four digits of your Social Security Number and a valid, government-issued ID, such as your driver’s license or passport. *Some restrictions may apply.
As a credit union, we differentiate ourselves from other financial institutions by offering you personalized service and also the educational tools you need to make the best decisions for your future. With our participation in the Shared Branch Network, it’s now even easier for you to make CAP COM your one-stop shop for all of your financial needs. Watch for more information about our summer Live Life promotion online and in our branches starting July 1. We have a magical giveaway planned for members who open a new Checking or Youth Account. If you have friends and family who aren’t members yet, let them know about your unique CAP COM experience. If they decide to open an account, you could earn cash! Find out more at www.capcomfcu.org/proudmember.
Experience the CAP COM Advantage The CAP COM Advantage is designed to reward you for the many ways you rely on CAP COM to meet your financial goals. It’s more than our great rates and exceptional service. It is a series of unique benefits, based on who you are and the products and services you use, to make your life just a little bit easier. Current offer Members with combined savings and loan balances of $100,000 or more are eligible to receive increased Annual Percentage Yields on select Certificates. To learn more, visit www.capcomfcu.org/advantage, call us or stop by any branch. Summer 2015 3
Choose your FUNday
Police Week: Honors for service
Buy your tickets now for this year’s FUNday at the Great Escape. Choose from one of two dates: Saturday, Aug. 8 or Sunday, Aug. 9. Tickets are $37 plus tax and will include: • Admission • Parking (with the purchase of two tickets) • Lunch in the Picnic Grove • Souvenir sports bottle with free refills of Coca Cola® beverages throughout the day Children ages two and under do not need a ticket to enter the park or the Picnic Grove. To purchase tickets 1. Visit www.capcomfcu.org/ funday and click on “Buy Tickets.” 2. Click “Enter Promo Code” in the top right corner of the Great Escape’s homepage. 3. Enter “CCFCU15” 4. Select a date, follow prompts to print and pay. 5. Print your tickets at home, or pick them up at Guest Services at the Great Escape on the day of your visit. For more information, call (518) 458-2195 or email events@capcomfcu.org. CAP COM is not an agent of the Great Escape or Six Flags Theme Park and shall not be held responsible for any incidents while attending the park. Tickets available while supplies last. All ticket sales final, rain or shine.
4 Summer 2015
CAP COM showed support of National Police Week by honoring retiring Colonie Police Chief, Steven H. Heider and by donating a total of $2,000 to eight local police departments. More than 200 youth members, ages 5-12,
submitted original drawings for the Police Week contest that answered the question “If you were a police officer and could design your own cruiser, what would it look like?” Winners, recognized at special ceremony, received $50 for their
winning submissions and were able to meet the Colonie Police K-9 Unit at the event. “We applaud the bravery and dedication displayed by our local law enforcement agencies each and every day to ensure the safety of our community. It is
our honor to be able to celebrate their hard work and invite our community’s youth to join in the celebration so they can emulate these role models in our community,” said Paula Stopera, CAP COM President/CEO.
Shen baseball
Kids summer cash
ALBANY – The Shenendehowa Plainsmen’s #1 New York State ranked high school baseball team kicked off their season with a new state-of-the-art scoreboard. CAP COM is proud to have been one of the top financial supporters. “It’s important for our roots to run deep in the communities we call home, and we are proud of the strong partnership we’ve built with our Shen family. It is our hope that the new scoreboard will serve as a local landmark and give the baseball team a new piece of their home to be proud of for years to come,” said President/CEO Paula Stopera. The Vault, CAP COM’s student-run branch at Shenendehowa High School will close for the summer on June 5.
Youth members can still earn money this summer for their academic success. Bring in your child’s final report card at any time during the summer to receive a $30 deposit for the year. While you are here, pick up an entry form for our Summer Reading program. Kids can earn up to $10 ($2 per book) for reading books this summer. Submissions are due August 30 and can be brought to any branch location for an immediate account deposit. Visit www.capcomfcu.org for more details or call Educational Initiatives at (518) 458-2195 ext. 4656. Must be a CAP COM member to participate. Visit a branch for entry form and details.
My college-bound high school junior is Every dollar not borrowed is compounded by the starting to look at schools. We haven’t absence of interest on the other end. saved a dime to help with costs. What CAP COM can help! can we do? Sending your child to college without having any savings isn’t going to be easy, but once you have a good understanding of realistic costs, it’s time to start planning. Here are some things to consider as you plan. Choose flexible schools Apply to and visit a few schools where your child will likely be among the best students. If your child is reluctant to consider schools without an elite price tag, you could frame the concern as one about future debt. Encourage them to think about the next five or six years of their life, rather than just the next four. Take a look at loans If you have nothing saved for college, you’ll likely have to borrow. The federal government sets a cap on how much they will lend to students, based on Estimated Family Contribution (EFC). Don’t give in to “debt creep,” or borrowing more than you need; $19,000 in debt is better than $20,000 in debt.
Our College Bound specialists Kim Donah and Ryan Chenot can help walk you through some of the big decisions you’ll need to make. Kim and Ryan work with College Bound families throughout the year and can guide you through this often overwhelming transition from high school to college. Consider non-traditional options Community college may be an option and most offer discounted tuition for exceptional students. These institutions have the same general education courses for a fraction of the price. Once your child graduates with a four-year degree, that degree will be the same as a four-year student of that school. Have a frank, honest conversation with your student, and then do what’s best for you and your family. Don’t forget to celebrate the positive – you raised one smart kid. Call to set up your free consultation today and watch for information about upcoming workshops.
College Admissions Workshop High school juniors, seniors and their parents are invited to get valuable tips about college search and selection, admissions applications, scholarships, financial aid and smart financing plans.
Save your seat! RSVP is required • Register online at www.capcomfcu.org • Email workshops@capcomfcu.org • Call (518) 458-2195 ext. 3168
Tuesday, October 6 6:30-8:30 p.m. (doors open at 6 p.m.) Albany Marriott, 189 Wolf Road
Members who are unable to attend can contact one of our Certified College Planning Specialists: Kim Donah at ext. 3106 or kdonah@capcomfcu.org Ryan Chenot at ext. 3170 or rchenot@capcomfcu.org
It seems like just yesterday was her first day of school. Now you’re wondering if she’s ready for a checking account. How time flies. Don’t take this moment lightly. Adolescence is a critical time for teaching children about money. They may be earning their own money and starting to understand the importance of saving for a long-term goal, such as a car or college. They also need to be able to access money without your constant supervision and, for safety reasons, you don’t want them carrying a lot of cash. The solution is their own Checking Account, with a debit card and ATM access. At CAP COM, members age 15 can open a Checking Account with a joint owner who is at least 18. That means you retain control and can monitor spending, helping them learn how to use the account responsibly while they are still at home. When your child is ready to leave the nest, this Checking Account can go, too. CAP COM will reimburse any ATM fees charged on the Young Adult Checking Account (ages 15-25) from anywhere in the world. Our mobile and online banking platforms make it easy to access your account anywhere, anytime. Apply online today or visit any branch to get started.
For your information… Visit our Online Learning Center for educational videos on a variety of financial topics at www.capcomfcu.org/personal/learn/videos.html
Facing the high cost of college tuition
Is it time for a Checking Account?
Summer 2015 5
SEARCHING FOR
EXCELLENT COVERAGE THAT WON’T BREAK THE BANK? Start here. We’ve got you covered. We are excited to unveil our newest division: CAP COM Insurance Services. Now, you have a fast and easy way to receive quotes for Auto and Homeowners Insurance from among many of the top-rated carriers. What that means for you, is personalized coverage at the best price – and we’ll do all the legwork. Along with an expanded line of Auto and Homeowners insurance you can also request coverage for your business, your traveling student and even your pet. Need insurance for a condo, motorcycle, boat or valuable items? Request a quote for multiple kinds of coverage on one form and CAP COM Insurance Services will take it from there, finding you the customized policies you need at the best prices. Call (518) 641-6979 or visit www.capcominsurance.com to get your quote started!
6 Summer 2015
Invest in your home
You’ve likely read articles telling you to get rid of all your debt in order to build wealth and save for the future. There’s one very notable exception – and you’re living in it. Debt secured by your home can be a good investment. If you’re interested in getting a Home Equity Line of Credit, CAP COM can help. Here are a few ways our members are using their HELOC to improve their lives and financial well-being: • Financing home improvement • Debt consolidation • Major purchases • Covering emergency expenses If you own your home and are considering any of the above plans for your future, you should apply online, call or stop by to speak to a representative. We can answer any questions you might have and get started with the paperwork, so the credit is there when you need it. Don’t wait until you’ve got an expense you can’t cover. Get started today! Apply online at www.capcomfcu.org or give us a call.
Summer 2015 7
Spring BIG Benefit Raffle winners announced
Puppies help kids learn The Cohoes City School District has had a special visitor recently, thanks to funding provided by the CAP COM Cares Foundation. The Foundation awarded the school $2,900 for Pets for Progress: Improving Student Learning with Social-Service Dogs in Schools program. The funding will help two puppies become social service therapy dogs serving students at Harmony Hill and Abram Lansing. “We hope these pets can help enrich learning experiences, teach children responsibility and, most importantly, demonstrate
the meaning of true friendship,” said Foundation Administrator Amanda Goyer. The service dogs are trained to establish a school-wide safe environment where the puppy immediately begins to learn socialization, commands, rules, parameters and proper behavior at the same time students and staff learn appropriate commands, interactions, behavior and care for the dog. “The benefits of therapy dogs is backed by research, and these puppies will have a tremendous positive impact on our students,”
said Superintendent Jennifer Spring, Ed.D. Therapy dogs have been used in classrooms across the country to support regulation of emotions and assist in stress management. The dogs also strengthen the commitment to the overall school community by bringing staff and students together to work collaboratively to socialize and train the dog to become a member of the school community. We are excited to welcome “Rozie” (pictured) and “Cappy” to our credit union family!
Scholarship winners announced The Foundation has announced the 20 winners of the Weidner “Ed” Davis Scholarship for members who are pursuing an undergraduate degree. Congratulations to this year’s scholarship winners, each received $2,500 a scholarship! Abby Driscoll, Troy Alice Hanson, Clifton Park Allyson Holland, Averill Park Anna Brewer, Cohoes Brianna Phillips, Schenectady Brooke Adams, Charlton David Septer, Slingerlands 8 Summer 2015
Elizabeth Carney, Latham Garett Pipczynski, Clifton Park Haley Miller, Schenectady Isaac Young, Albany Ishan Parashar, Ballston Lake Kelli Gormley, Waterford Marley Amico, Ballston Spa
Sadie Zacharek, Kirkville Sarah Homsey, Glenmont Sarah Yang, Ballston Lake Shelly Zhang, Clifton Park Shelsea Cato, Delmar William Van Ullen, Cohoes
From left to right: Barbara Lawrence, Evalou Bell, Brian Hamel, David Nevill, Donna Kucskar
The CAP COM Cares Foundation named eight winners during a drawing for its Spring BIG Benefit Raffle on May 6. All proceeds from raffle sales raise money for the Foundation’s community support initiatives and scholarship programs. Watch for more information about our Fall BIG Benefit Raffle and your next chance to win! The winner of the $10,000 prize is: Brian Hamel, Latham The winner of the $5,000 prize is: Evalou Bell, Scotia The winners of the $1,000 prizes are: Donna Kucskar, Troy Nicholas Diflorio, Albany Shawn Christianson, Troy Barbara Lawrence, Princetown 3N Document Destruction: Care of David Neville, Clifton Park Empire Appraisal Network: Care of Dan Munn, Saratoga Springs
Convenience of the future, today! From a quick balance check via text message, to conveniently depositing a check without visiting a branch – these aren’t just the future of banking, they are already here. This summer, CAP COM will add our Remote Deposit App into our Mobile App, so you can access both convenient services in one place. If you aren’t already using Remote Deposit, visit our website to find out how we can make your deposits easier! Here’s how Remote Deposit works: When you need to
Member IRA Notice notification of abuse and action Abuse can involve any Credit Union employee, volunteer or member. Should an abusive action include another Credit Union member while on Credit Union property, the Credit Union may suspend the services of any party involved. As defined by the Credit Union Board of Directors, abuse includes but is not limited to, physical abuse, verbal abuse, harassment, physical damage to Credit Union property or physical damage to the property of an employee or volunteer. Should any action be taken, written correspondence will be sent to the individual’s address of record, both by certified and regular mail.
CAP COM makes it easy for you to manage your IRA retirement savings online. Visit www.capcomfcu.org/irabasics. Please note: Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election, contact us for the appropriate form. Withholding from IRA payments, when combined with other withholding, MAY relieve
deposit a personal check, you take a picture of the front and back of the check with your smartphone using CAP COM’s app. The app then transmits the images to your credit union for immediate deposit into your account. You’ll also see more information about ApplePay mobile wallet, expected soon. Store your payment information on your iPhone or AppleWatch and use your phone when making a payment.
you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient. Please consult a tax professional for advice. If you are interested in making changes to your IRA withholding election, contact our IRA Department at (518) 458-2195 or (800) 468-5500 extension 3932.
Statutory Lien Notice Capital Communications Federal Credit Union has the right to impress and enforce a statutory lien against a member’s share and dividends in the event the member fails to satisfy a financial obligation to the Credit Union. The Credit Union has the authority to enforce this statutory lien right without further notice to the member. A member’s financial obligations include, but are not limited to, outstanding loan balances, NSF (insufficient funds) checks and related fees.
Who’s Calling? Common phone scams There’s no good way to avoid getting calls from telemarketing companies; they seem to be a fact of modern life. The best thing you can do is be polite in saying “no” and ask them not to call again. When these kinds of calls turn from sales to a scam, though, extra attention may be required. Recently, members reported getting calls from someone who was asking for their credit card information. Please keep in mind, CAP COM will not contact you to ask for your personal information including your credit card number. Here are a few other common phone scams you should be on alert for: 1. The caller tells you your debit card is blocked and you need to enter your card number to keep it from being deactivated. 2. Someone claiming to be from the IRS calls and tells you that you owe money. The caller says you must provide your bank account number in order to prevent being arrested. 3. Someone from your financial institution calls and tells you that you can get a better rate on your credit card, just enter your Social Security Number. If you are not sure about the validity of a call, or you feel you have been a victim of fraud, you can contact the credit union directly at (518) 458-2195. Summer 2015 9
Financial Services Retirement Bound Workshop
• Will you be able to retire? • How much will you need to retire comfortably? • Have you thought about Long Term Care? • What about your tax bracket? Get answers to these questions and learn the five most important steps to take now that may help pave the way to a happier retirement. This free workshop is open to the public. Tuesday, June 23 Hilton Garden Inn 235 Hoosick Street, Troy NY Registration and light refreshments: 6 p.m. Workshop: 6:30-8 p.m. Register online today. Visit www.capcomfinancial.com/RB or call (518) 782-0209 ext. 4162.
Talk with us! Call CAP COM Financial Services at (518) 782-0209 and set up a meeting. Our LPL Financial Advisors are salaried, non-commissioned professionals who provide unbiased retirement, insurance and estate planning for our members. 10 Summer 2015
Are you Prepared to Retire? You’ve probably come across at least a few commentators who speak in gloom-and-doom terms about the future for American retirees, decrying a lack of savings and warning of the imminent growth of the elderly population. Given the potential duration and changing nature of retirement, you may want to seek the assistance of a professional financial planner who can help you monitor your plan and make changes when necessary. Among the factors you’ll need to consider are: Time: You can project periods of retirement, reeducation, and full employment. Then concentrate on a plan to fund each of the separate periods. The number of years until you retire will influence the types of investments you include in your portfolio. Inflation: While lower-risk fixed-income and money market investments may play an important role in your investment portfolio, if used alone they may leave you susceptible to the erosive effects of inflation. To help your portfolio keep pace with inflation, you may need to maintain some growth-oriented investments.
Taxes: Even after you retire, taxes will remain an important factor in your overall financial plan. If you return to work or open a business, for example, your tax bracket could change. In addition, should you move from one state to another, state or local taxes could affect your bottom line. Tax-advantaged investments, such as annuities and tax-free mutual funds, may be effective tools for meeting your retirement goals. Tax deferral offered by workplace plans – such as 401(k) and 403(b) plans – and IRAs may also help your retirement savings grow. Prepare Today To ensure that retirement lives up to your expectations, begin establishing your plan as early as possible and consider consulting with a professional. With proper planning, you may be able to make your retirement whatever you want it to be. Use our online retirement savings calculator as a guide. Visit www.capcomfinancial.com/ retirementcalculator. You can also contact one of our advisors for help with your retirement strategy. Schedule a consultation today!
Because of the possibility of human or mechanical error by Wealth Management Systems Inc. or its sources, neither Wealth Management Systems Inc. nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall Wealth Management Systems Inc. be liable for any indirect, special or consequential damages in connection with subscriber’s or others’ use of the content. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. © 2015 Wealth Management Systems Inc. All rights reserved. CAP COM Financial Services and CAP COM Investment Services - Securities offered through LPL Financial, Member FINRA/SIPC. Annuities offered through LPL Financial or its licensed affiliates. A Registered Investment Advisor, CAP COM Financial Services is a division of CAP COM Federal Credit Union. CAP COM Financial Services and CAP COM Federal Credit Union are not registered broker dealers and are not affiliated with LPL Financial. Financial planning, tax preparation and insurance services offered through CAP COM Financial Services, LLC, a Registered Investment Advisor. LPL Financial Representatives offer access to Trust Services through The Private Trust Company, N.A., an affiliate of LPL Financial. Not NCUA Insured May Lose Value No Credit Union Guarantee
Your business is our passion
Bob Bruno, Sr., left, (pictured here with Sean Bruno, Sr.) started the BRUNO Machinery Corporation’s press line in 1972. More than 600 BRUNO presses have been manufactured for companies all over the world. The machines are used to cut non-metallic parts by companies in many industries, such as the automotive, carpet, puzzle, toy, gasket and furniture industries. Bob was watching TV when he saw a CAP COM commercial and wondered what the credit union could do for him. He was pleased with the immediate attention he received and the staff’s eagerness to help. “I have been doing business for over 45 years – seen a lot of people and traveled the world – and never met people who like what they’re doing as much as they do at CAP COM. Your staff is pleasant, upbeat and professional. You have helped us tremendously! CAP COM is a godsend to us!” Bob Bruno Sr. CAP COM’s business team knows this area and what your business needs to grow. Let us help you take it to the next level with dividend-bearing Checking Accounts, free online banking and bill pay, Commercial Mortgages, Vehicle and Equipment Loans, Merchant Services including credit card processing and payroll solutions. Contact our Business Services Team at (518) 458-2195 ext. 2948 or visit us online at www.capcomfcu.org/business.
CAP COM’s VISA Platinum Card can make your summer more rewarding.
Make it your summer, with our VISA®
We’ve added a new, Cash Back Rewards option that gives you even more options for when and how you use your Rewards Points. When you’ve earned 5,000 points, you can redeem them for $50 cash! You can still redeem your points for gift cards from popular retailers and merchandise. With travel rewards, you can apply the points you’ve earned toward cruises, hotel stays and car rentals, making this the perfect partner for your summer vacation. Apply for a VISA Platinum today and, if you spend $1,500 in the first three months, you’ll earn 5,000 bonus reward points – that’s an extra $50 in your pocket! Visit our website to learn more about new Cash Back rewards. Getting away Wherever your plans are going to take you, a CAP COM VISA Platinum Card can
make your vacation a little bit easier. When you pay for your trip with your VISA, you’ll enjoy travel protection and emergency assistance for things like lost luggage, ticket replacement and even medical referrals – giving you peace of mind in case of an emergency, so you can enjoy your time away. You’ll also earn reward points for every dollar you spend using your VISA. So don’t forget to redeem the points you’ve already earned for cash back or gift cards to take with you. Staying put Even if you have a staycation in mind, or you’ve been putting off home improvements until the warmer weather gets here, VISA is still your perfect partner. Find out which local merchants offer discounts when you pay using your CAP COM VISA. Apply online or give us a call so you’re ready when summer gets here. Summer 2015 11
Lines of Communication is published quarterly exclusively for CAP COM Federal Credit Union members.
Hours and Locations
SHARON PHILLIPS Vice President of Marketing & PR LAUREN REAMON Director of Marketing lreamon@capcomfcu.org AMANDA GOYER Public Relations Administrator agoyer@capcomfcu.org WILLOW L. DANNIBLE Communications Coordinator wdannible@capcomfcu.org LAURA REYNOLDS Graphic Designer lreynolds@capcomfcu.org The Supervisory Committee is the members’ representative. Please address any situations you feel were not handled to your satisfaction by the Credit Union to: Supervisory Committee, P.O. Box 11279, Albany, NY 12211-0279.
Member Discount
Phone CCFCU Phone
(518) 458-2195
CCFCU Toll Free
(800) 468-5500
CCFCU Fax
(518) 458-2261
Touch-24
(518) 458-8986
Touch-24 Toll Free (800) 634-2340
Branch hours Monday to Wednesday Lobbies 8:30 a.m. - 4:30 p.m. Drive Thrus 8 a.m. - 5 p.m.* Thursday and Friday Lobbies 8:30 a.m. - 6 p.m. Drive Thrus 8 a.m. - 6 p.m.* Saturday Lobbies Drive Thrus
8:30 a.m. - 12:30 p.m. 8:30 a.m. - 12:30 p.m.
*See Early Drive Thru Hours below.
EARLY DRIVE THRU HOURS Monday to Friday Financial Center & Latham Open at 7:30 a.m.
Branches
ATMs
CAP COM Financial Center 4 Winners Circle Albany, NY 12205
All branches have ATMs available 24/7.
Brunswick 799 Hoosick Road Clifton Park 1744 Route 9 Cohoes 219 Ontario Street Colonie 341 New Karner Road Glenmont 384 Bender Lane Latham 4 Century Hill Drive Niskayuna 582 Balltown Road North Greenbush 233 Route 4 Shared Branch Network Find a convenient location at www.capcomfcu.org/locations.
SURCHARGE-FREE ATMs SUM Networks and CO-OP ATMs STEWART’S SHOPS ATMs Use any Stewart’s Shops ATM for just $1 per withdrawal.* Locate ATMs at www.capcomfcu.org or with our Mobile Banking Apps. *Initial fee is $2 and CAP COM will reimburse members $1 for each withdrawal within 24 hours.
Web and Mobile www.capcomfcu.org Secure Web Banking with Mobile Banking and Remote Deposit Apps for iPhones and Android devices
MSG & data rates may apply.
Yankee Trails CAP COM FCU Members save 5 percent off any motorcoach (bus) tour package (not valid with online reservations). To view this discount, as well as other discounts available to members visit www.capcomfcu.org/ memberdiscount.
SEARCHING FOR
EXCELLENT COVERAGE THAT WON’T BREAK THE BANK?
Federally insured by NCUA
12 Summer 2015
Start here. We’ve got you covered. We are excited to unveil our newest division: CAP COM Insurance Services, offering a fast and easy way to receive quotes for Auto and Homeowners Insurance. See Page 6.