Lines of Communication by CAP COM Federal Credit Union

Lines of Communication

Sept./Oct. 2011

Volume 27 • Number 5

CAP C OM USED C A R SATU RDAY SALE: , OCT. 15!

Inside: School Banking | 2 Strides Walk Oct. 16 | 10

“CAP COM’s Car Buying Experts saved me thousands on my new car by negotiating with the dealer for me.” - Christina Reyes, Albany

More than Mortgages Homebuyers trust CAP COM. Discover Mortgages with these great features: • No PMI on select Mortgage programs • Little or no closing costs • Little or no down payment • Local origination, underwriting and service • Easy and convenient application process in person, online or in 15 minutes or less by phone!

Chris Berti Licensed Mortgage Expert

Josh Hebert Licensed Mortgage Expert

Get started today! • (518) 458-2195 or (800) 468-5500 ext. 2920 • www.capcomfcu.org • Visit any branch location Mortgage products are offered by our Mortgage Team, CCFCU Funding LLC, which is an independently incorporated subsidiary of CAP COM FCU. Mortgages in New York State only. Home loan interest may be tax deductible. Consult your tax professional about deductibility in your situation. CCFCUF NMLS Identifier: 290363. CAP COM FCU NMLS Identifier: 401261. Principal Address: 453 New Karner Road, Albany NY 12205.

Advice from our experts! Scan this code with your smartphone or visit www.capcomfcu.org/mortgage-conversation to see an informative web video* with Licensed Mortgage Expert Chris Berti! *Web video is formatted for iPhones, Android-powered smartphones and Windows Phone 7.

Sept. 27, 2011 | 6-8 p.m. Main Office | Doors open at 5:45 p.m.

New ent ym am n Pa Dow ce Progr ! fall stan Assi ing this com

Save your seat! RSVP today: Call: (518) 458-2195 ext. 3168 E-mail: workshops@capcomfcu.org Web: www.capcomfcu.org/workshops Don’t let home-buying myths stop you. Join us at our First-Time Homebuyers Workshop and get the facts. Then, get moving toward home ownership!

Dave Stagnitti Vice President of Mortgage Services

contents LINES

September/October ‘11 | 1

PRESIDENT/CEO’S MESSAGE By Paula A. Stopera

2 School Banking Kids make deposits at school. 3 Youth Program Calendar PLUS: Upcoming workshops. 4 Expanded Glens Falls hours Glens Falls Branch now open later. 5 College Bound Helping families plan for college. 6 Connect-24 updates Improved online account tools. 7 Share CAP COM Refer new members and earn $25. 8 Drive happy! Discover our Car Buying Experts, Auto Loans and NEW lease-like options. 10 CAP COM Cares Join us at the Strides walk on Oct. 16. 12 CAP COM Financial Find out what we can do for you. 14 Home Equity happiness Build your dreams with CAP COM. 16 Go mobile! CAP COM’s Mobile Banking Apps. Lines of Communication is published bimonthly exclusively for CAP COM Federal Credit Union members. Above photo courtesy of Joan Heffler. College Bound photos courtesy of Denis J. Nally. MELISSA CLEMENT Director of Strategic Marketing & Innovation CANDACE STAZIO Marketing Manager JIM O’CONNELL Marketing Specialist ELI FANNING Editor LAURA L. REYNOLDS Designer WILLOW L. DANNIBLE Marketing Associate 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.

CAP COM Member Christina Reyes got a great deal with our Car Buying Experts. In our new radio and TV commercials debuting this fall, Christina tells us: “CAP COM’s Car Buying Experts saved me thousands on my new car by negotiating with the dealer for me.” Our Auto Loans and Car Buying Program can help you save on your next car. You can join us Saturday, Oct. 15 for a Used Car Sale at our Main Office. Our unique auto-buying options don’t end there. Our new Driving Sense Program Save on your delivers the freedom of lower monthly payments next car with and can help get you more car for your money. The best way to make the best choice for CAP COM! your next vehicle: Call our Car Buying Experts! And don’t stop there! If you’re thinking about buying a home, join us at our First-Time Homebuyers Workshop on Tuesday, Sept. 27. We’ll give you a guided tour of your path to home ownership. Also, look for upcoming details about our new Down Payment Assistance Program to help low-income families. Helping homebuyers is just a piece of our work with local families. As the new school year begins in districts from Albany to Shenendehowa, CAP COM’s School Banking Program is taking root. Discover today how CAP COM can help you get ahead! Sincerely,

Paula A. Stopera President/CEO

New look! Same great card. Our new-look VISA® Debit Card* has the same great features: • Get cash at ATMs • Pay at checkout • Get cash back at checkout** *New VISA Debit Cards cards sent after current cards expire. **Fee-free cash back at checkout is available at select retailers.

22| July/August | September/October ‘11 ‘11

$chool

Banking

Kids learn to save by making deposits at school. CAP COM is now partnering with schools to offer special visits, online account access and more!

School Banking features

• Switch Kits and Switch Nights to get your school started. We’ll transfer and close your previous School Banking account for you!

Call Carie Sala at (518) 458-2195 ext. 3671 or send an e-mail to csala@capcomfcu.org.

• Kids earn up to $70 per year with CAP COM’s Great Grades Program and Reading Programs. • CertifiKIDs* let your child’s money grow with special higher rates! • And more! *Penalty for early withdrawals. Available in 18- or 36-month term.

Already a CAP COM Member? Enroll in our School Banking Program! • Call (518) 458-2195 ext. 4656. • Send an e-mail to schoolbanking@capcomfcu.org. • Visit any branch with your participating school’s name.

Not a CAP COM Member? Get your School Banker started by opening a new Youth Account! • Call (518) 458-2195 ext. 4656 or send an e-mail to schoolbanking@capcomfcu.org. • Visit www.capcomfcu.org. • Ask at any branch location.

Join our growing list of School Banking partners ALBANY COUNTY Albany Community School A.W. Becker Elementary Bell Top Elementary Blue Creek Elementary Boght Hills Elementary Forts Ferry Elementary Hamagrael Elementary Harmony Hill Elementary Heatly Elementary Latham Ridge Loudonville Elementary Mater Christi School New Scotland Elementary Roessleville Elementary Saddlewood Elementary Saint Ambrose School Saint Gregory’s School Saint Pius X School Shaker Road Elementary Southgate Elementary Slingerlands Elementary Veeder Elementary Watervliet Elementary Vorheesville Elementary

SCHENECTADY COUNTY Birchwood Elementary Glencliff Elementary Glen Worden Elementary Saint Helen’s School RENSSELAER COUNTY Castleton Elementary Donald P. Sutherland Green Meadow Elementary Holy Spirit School Miller Hill Elementary Oakwood Christian School Red Mill School Rensselaer Park Elementary Sacred Heart School School 14, 16 and 18 Susan O’Dell Taylor School Tamarac School West Sand Lake School SARATOGA COUNTY Arongen Elementary Chango Elementary Karigon Elementary Skano Elementary Shatekon Elementary

September/October July/August ‘11 | 3

Workshops CAP COM hosts informational workshops on topics that matter to you. Reservations are required. Unless noted, workshops are free.

First-Time Homebuyers Why rent when you can own? Sept. 27 | 6-8 p.m. Doors open at 5:45 p.m. Main Office 18 Computer Drive East, Albany

Workshop RSVP • (518) 458-2195 ext. 3168 • workshops@capcomfcu.org • www.capcomfcu.org

Include in your RSVP: • Name • Address • E-mail and phone number • Number of attendees • How you discovered our workshops

College Admissions High school seniors and parents get tips on college selection and admissions. Open to the public. Doors open at 6 p.m. Oct. 4 | 6:30-8:30 p.m. Century House, Route 9 in Latham

FAFSA and Budgeting Workshop Parents learn about FAFSA financial aid forms and students attend a budgeting workshop. Jan. 10 | 6:30-8 p.m. Century House, Route 9 in Latham NEW: Online Defensive Driving Complete the course on your own time, get a 10% auto insurance discount and reduce points on your license! To register, visit www.capcomfcu.org/workshops.

Youth Program

Calendar September

School Banking begins CAP COM’s School Banking Program makes its debut in schools across the Capital Region in September.

October

Join us Tuesday, Oct. 4 for our College Admissions Workshop. High school seniors and parents get tips on college selection and admissions. The workshop is from 6:30-8:30 p.m. at the Century House on Route 9 in Latham. Workshop is open to the public. (See above for RSVP details.)

December

Great Grades Program Kids earn $10 per quarter (up to $40 per year) for report cards. The next report-card deadline is Friday, Dec. 9. Please include the child’s account number on all submissions. • Fax (518) 458-6659 • Drop off at any branch • Mail to: CAP COM FCU Attn: Great Grades 18 Computer Drive East Albany, NY 12205 Discover more at www.capcomfcu.org or call (518) 458-2195.

4 | September/October ‘11

Avoiding identity theft CAP COM protects members from identity theft with a combination of safeguards such as employee training, strict privacy policies, and rigorous security standards. But, you can do more to stay safe.

• Review your accounts regularly for unauthorized charges. • Get a free credit report from the Federal Trade Commission at www.annualcreditreport.com. • Do business with companies you trust. When doing business online, use firewalls, anti-spyware and anti-virus software. Never respond to unsolicited requests for personal information.

Identity protection tips • Shred financial statements and sensitive information. Criminals can get canceled checks, deposit receipts or bank statements from dumpsters or trash bins.

• Protect PINs and passwords: Change passwords periodically and use both letters and numbers.

• Be aware of missing mail such as account statements and bills.

Shred Day* at CAP COM Protect yourself! Bring your sensitive papers for shredding! Saturday, Oct. 22 9 a.m. to noon Main Office 18 Computer Drive East, Albany National Protect Your Identity Week Oct. 16-22 Discover tips, advice for victims and a list of events at www.protectyouridnow.org.

* Drop off is permitted at the 18 Computer Drive East location only during the hours advertised and items for shredding shall not be dropped off at or accepted by any other CAP COM FCU locations. Destruction will be limited to paper documents only and will not be extended to the destruction of non-paper documents such as PCs, hard drives, CDs, DVDs, floppy disks and the like. Document destruction shall be under the sole direction, control and liability of PROSHRED Security NY. This opportunity shall be open to CAP COM FCU members ONLY and the maximum amount of shredding materials allowed shall be limited to a two 64 gallon size trash receptacles or 250 pounds of material per family. CAP COM FCU shall not be held responsible for any physical damage or personal injury which may result in the transportation, unloading or destruction of materials to be shredded. This is provided as a free service to CAP COM FCU members and, while a donation to the CAP COM Cares Foundation is appreciated, it is not required.

Expanded hours!

Glens Falls Branch Qu

Dix A venu

Thursday and Friday 8:30 a.m. to 6 p.m. 32

Glens Falls Branch 8 Glens Falls Tech Park (off Dix Avenue) Expanded hours! Monday thru Wednesday 8:30 a.m. to 4:30 p.m.

venue Haskell A

lls Tech Pa Glens Fa

East Field

Warren St re

Saturday 8:30 a.m. to 12:30 p.m. CAP COM’s new Glens Falls Branch is open to all members!

Important Dates SEPTEMBER 3 & 5 Closed for Labor Day 13 Opening at 9:30 a.m. Opening late due to staff training. OCTOBER 10 Closed for Columbus Day 16 Strides Walk Strides Walk to promote breast cancer awareness. Starts at noon in Albany’s Washington Park. NOVEMBER 8 Opening at 9:30 a.m. Opening late due to staff training. 11 Closed for Veterans Day 23 Drive thrus open to 5:30 p.m. 24 Closed for Thanksgiving Day DECEMBER 24 & 26 Closed for Christmas

September/October ‘11 | 5

From choosing the right college to completing FAFSA financial aid forms to building a smart financing plan, CAP COM’s College Bound Program is with you every step of the way. College Admissions Workshop (See Page 3 for RSVP details.) High school seniors and parents get tips on college selection and admissions. Workshop is open to the public. Oct. 4 | 6:30-8:30 p.m. Century House, Route 9 in Latham

Set up an appointment today! Ryan Chenot, College Specialist (518) 458-2195 ext. 3170 rchenot@capcomfcu.org Kim Donah, Certified College Planning Specialist (518) 458-2195 ext. 3106 kdonah@capcomfcu.org

Ryan

Kim

Take charge of your college journey! Brendan Malone, of Menands, N.Y., is a senior at Long Island’s Fordham University. He was a 2011 winner of CAP COM’s $2,500 Weidner “Ed” Davis Scholarship.

6 | September/October ‘11

Connect-24 updates Our new Connect-24 Home Page makes money management easy. CAP COM’s improved online banking access arrives Oct. 5. Your Accounts Your easy-to-read screen showing recent activity by Account.

Make a payment Track your bills and make payments with a few clicks.

NEW

Make a transfer See balances and transfer money among Accounts.

Purchase Rewards Get discounts where you shop. Click on offers and buy with your CAP COM VISA® Debit Card. No small print. No coupons.

FinanceWorks See spending trends and build a smarter budget.

September/October ‘11 | 7

Employee Spotlight

CAP COM believes in recognizing employees for outstanding efforts in support of members and fellow employees. In June, the Credit Union recognized three staff members with TOP Awards.

TOP Support Joanne D’Ambrosio Operations Training Specialist Main Office 16 years of service Amber

TOP Sales Chris Caradori Member Service Associate Cohoes Branch 3 years of service

TOP Service Amber Alvey Member Service Specialist North Greenbush Branch 9 years of service

Chris Joanne

Share CAP COM and get $25 more! Refer your family, friends and coworkers and earn $251 for new: Kim • Checking Accounts Ryan • Auto Loans • Youth Savings Accounts • Young Adult Checking Accounts

New Member Referral Coupon Write in your information below, cut coupon and give it to a prospective new member. New Member Referred (Print name)

It’s easy to Switch! Our Associates will set up Direct Deposit and redirect Automatic Withdrawals for new Checking Accounts!

Address City

State

Zip

It’s easy for new members to join!

Referring Member (Print name) Address City

Phone

State

CAP COM Employee Section Employee Initials:

Zip

• Visit any of our convenient branches • (518) 458-2195 • www.capcomfcu.org

Date: Existing CAP COM members cannot be new referred members. Eligible referrals must be new members who open one of the accounts or loans listed. Referring member’s account must be in good standing. New members must present Member Referral Coupon when opening new account. Credit Union employees are not eligible. There is no limit on number of referrals that can be made by a member. Referring member will be contacted by a CAP COM Associate prior to $25 account deposits. IRS regulations may require that complementary deposit(s) be reported as income. 1

New Account Number: Branch:

Chris Caradori Cohoes Branch Member Service Associate

GL #271272.0300

8 | September/October ‘11

NEW PROGR AM!

More car, less payment CAP COM’s new Driving Sense* Program is a low-payment lease alternative with fewer restrictions and no hidden costs. Driving Sense options: • Sell, trade or refinance your vehicle anytime. • No money down and terms from 24-48 months. • Available for vehicles model year 2008 or newer. • Work with Car Buyers to get the best Driving Sense deal. • Annual mileage options ranging from 12,000 to 18,000. • No security deposit or acquisition fee. • No early termination penalty.

Take the stress out of buying a car! CAP COM Used Car Sale Our Car Buying Experts will be working with local dealers to pre-negotiate substantial discounts on used cars and trucks. • More than 150 cars on site. • Get pre-approved or apply for financing at the sale. • Pre-negotiated pricing with discounts on all vehicles. CAP COM Used Car Sale Saturday, Oct. 15 9 a.m. - 3 p.m. Main Office 18 Computer Drive East, Albany

OPEN THE P TO UBLIC !

Get pre-approved by Oct. 14 and purchase a car at the Car Sale for a chance to win:* • Your first CAP COM Auto Loan Payment up to $500!** • One of four $50 Gas Cards.

Apply today! • Visit www.capcomfcu.org • Call (518) 458-2195 ext. 2924 • Visit any branch location today!

*Driving Sense is offerred through a partnership between CAP COM FCU and the Auto Financial Group.

Dave Pearson Car Buying Expert

*Sweepstakes Rules: No purchase necessary. Must be 18 or older to enter. CAP COM FCU employees, volunteers and their families are not eligible. IRS regulations may require that prizes/winnings be reported as income. Gift card winners are responsible for using gift cards before expiration date. If not used before the expiration date, the gift will be forfeited. All prizes not claimed within 30 days of written notification will be forfeited. You may also enter by mailing a 3 x 5 card with your name and address to: CAP COM FCU, 18 Computer Drive East, Albany, NY 12205-1168, Attn: Marketing Department. One entry per person. **Credit Union membership required for loan disbursal.

More than an Auto Loan!

September/October ‘11 | 9

Travelers Auto Insurance Enjoy special rates for CAP COM members and an array of basic features and options to enhance protection.

“CAP COM’s Car Buying Experts saved me thousands on my new car by negotiating with the dealer for me.” - Christina Reyes, Albany

Get started with a free quote! • Visit www.capcomfcu.org • Call (800) 842-5936 • Visit any branch location

Willis Reed Director of Insurance Services

Save time and money! CAP COM will do the work for you! CAP COM Auto Loans Model Year 2008-2012 2008-2012 2006-2007

Loan Term 60 months 72 months 60 months

Rate 2.69%APR* 3.69%APR* 3.19%APR*

Convenient features • No down payment required! • Free 30-day pre-approval! • Free biweekly payments. Pay it off faster!

Apply today! • Visit www.capcomfcu.org • Call (518) 458-2195 ext. 2924 • Visit any branch location today!

Step 1: Get pre-approved for a CAP COM Auto Loan today! Apply online, call or meet with a Branch Representative! Step 2: Let our Car Buying Experts find the right vehicle and negotiate the best price and trade-in value for you!

Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. Coverage, discounts, repair options and billing options are subject to state requirements and availability, individual qualifications and/or the insuring company’s underwriting guidelines. CAP COM Federal Credit Union does not warrant, guarantee or insure any service or product offered by any insurance company. CCFCU and Travelers are separate entities.

Mind the GAP! Guaranteed Asset Protection (GAP) forgives your remaining outstanding loan balance after a total-loss settlement. Standard auto insurance settlements can sometimes fall short of your loan payoff amount. Our GAP protection will pay off the balance of your loan!

Step 3: Get your Auto Loan Check. Pay the Dealer. Drive Away!

*Annual Percentage Rate. All rates quoted are for individuals with excellent credit who select our Automatic Payment Plan. Individuals with less than excellent credit and/or who do not select our Automatic Payment Plan may be offered a higher rate. Rates are accurate as of 8/15/11. Rates subject to change without notice. Visit our website or call for rates and terms.

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICE™ Guaranteed Asset Protection. If you finance GAP as part of your vehicle loan, the final cost of the coverage will not exceed $299. If you choose to cancel within the first 90 days, you will receive a full refund.

10 | September/October ‘11

Start dreaming

Buy a Calendar of Dreams for your chance to win!

Walk with us! CAP COM is a proud sponsor of the American Cancer Society’s 16th Annual Making Strides Against Breast Cancer Walk. Since 1995, thousands of our employees and members have joined the fight against breast cancer and raised nearly $750,000 toward finding a cure. We invite you to join the CAP COM Team and walk with us on Sunday, Oct. 16 in Albany’s Washington Park, where we will rally to boost awareness, education and fundraising for breast cancer research.

Registration is from 10 a.m. to noon. The 5K (3 miles) walk begins at noon.

The Calendar of Dreams chronicles a year of our Foundation’s efforts in the community! Buying a $25 calendar helps support our Foundation and those we serve while giving you a chance to win $25 to $250 each day! Each calendar has a three-digit number imprinted on the bottom. If your calendar number matches the New York State Daily Numbers evening numbers drawing, you win a cash prize for that day. Calendars go on sale Oct. 1 and supplies are limited! Payouts include: • $25 for weekday winners • $50 for weekend winners • $100 and $250 prizes for select days

Register with the CAP COM Team! • Visit www.capcomcares.org • Visit any CAP COM branch • Contact Theresa Petrone at (518) 458-2195 ext. 3553 or tpetrone@capcomfcu.org.

Be our Strides Star! Join the CAP COM Team and raise the most funds for Making Strides Against Breast Cancer to earn special recognition from us. Visit www.capcomcares.org/strides to discover more!

September/October ‘11 | 11

Fun and a fresh start for school CAP COM staff volunteered this summer to make dreams come true for children at Albany’s Marillac Family Shelter. Volunteers arrived at the shelter during their Family Barbeque to provide pony rides and hand out commemorative photos, cowboy hats, and free ice cream to all the children. The event has become a tradition for CAP COM. It is an opportunity to provide fun and laughter to the families living at the shelter. Marillac is also one of eight organizations that benefits from our

Foundation’s annual Back to School Backpack Program, which provides 265 backpacks filled with all the essential school supplies to Capital Region organizations that support children and families in need. The CAP COM Cares Foundation is committed to making memories and supporting education initiatives throughout our community. This year’s program was made possible by the generosity of our Foundation’s supporters, including the Kevin Curry Memorial Fund.

CAP COM

12 | September/October ‘11

Financial Services

(518) 782-0209 | (800) 688-1045 | Fax (518) 782-5433 www.capcomfinancial.com

Retirement planning Our Financial Advisors seek to deliver strategies for a bright financial future. Your plan To retire at 65, many people will need a 20-year retirement plan. Social Security and employee-sponsored plans may not be enough. We’ll help you start early and invest wisely.

“Let’s build your future together!”

Your income Project your retirement income and build a distribution plan that gives you confidence.

- Jim Faranda Senior Financial Advisor

Your estate Ensure that your family inherits the full value of your estate and plan for long-term care needs.

Investing

Your strategy Design a strategy to match your retirement needs. Make smart choices and manage your IRAs and pension plans with us.

Our Financial Advisors help create and preserve wealth. Retirement portfolios Build a solid portfolio before you retire that matches your retirement goals. Stocks and bonds Select investments that are suited to you. We’ll review options such as stocks, mutual funds and U.S. Treasury securities before building your strategy. Tactical Wealth Management Our time-tested approach that lets your portfolio access a variety of markets while mitigating volatility. Let us help you achieve your unique goals.

CAP COM Financial Services and CAP COM Investment Services - Securities and annuities products 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

September/October ‘11 | 13

INSURANCE OPTIONS Life insurance Get unbiased insurance advice and fast, no-hassle quotes. Protect your family today. Simplified Issue Life Insurance Answer a few health questions and qualify for life insurance without a medical exam. It’s easy to get started!

Travelers protection Travelers provides CAP COM members a chance to save money and expand insurance protection.

Term Life Insurance Guaranteed-level policies with terms from five to 30 years.

Auto Insurance Enjoy low group rates, basic features and options to enhance your protection. We also offer boat and yacht insurance.

Whole Life Insurance Permanent insurance with a payout value that builds over time.

Home and Condo Insurance Get quality coverage with options to enhance your protection.

Long-Term Care Protect your assets and make choices in case you need extended care.

Renter’s Insurance A renter’s possessions are not covered by a landlord’s insurance.

Get a FREE life insurance quote! Call CAP COM Financial at (518) 782-0209!

Flood Insurance Many people find out too late that their property insurance does not cover flood damage. Protect highvalue items like a basement furnace. Umbrella Liability Insurance Get $1 to $5 million of extra liability protection. Get a FREE Travelers quote! • Visit www.capcomfcu.org/insurance • Call (800) 842-5936 • Visit any branch location

Talk with us! Call CAP COM Financial Services at (518) 782-0209 and set up a meeting. Our Financial Advisors are salaried, non-commissioned professionals who provide unbiased retirement, insurance, estate planning and tax advice for our members.

14 | September/October ‘11

• Bring that new kitchen, family room or deck to life: Many remodeling projects enhance property value! • Fast and easy Home Equity Loans featuring: Same-day approval and closings within two weeks! • Unique draw periods of 4 or 20 years: Draw money from your loan over time as you need it! • Home Equities ranging from $10,000 to $150,000 that feature: No pre-payment penalties! • Close from home: Closings with no branch visit required!

*Annual Percentage Rate. Mortgages in New York State only. All Line-of-Credit loans require a minimum initial advance of $5,000 and a minimum limit of $10,000. The rate quoted is based on a loan-to-value up to 80% and is available for the first 6 months of a 20-year variable rate loan. Other rates/terms available. Sample payment for 2.99% Annual Percentage Rate is $5.54 per $1,000. Rates were effective 8/15/11 and are subject to change without notice. New York State Mortgage Tax and county filing fee will apply. Additional closing costs may apply. Credit Union membership required.

September/October ‘11 | 15

Things are looking up!

Our new Home Improvement Loan is perfect for homeowners with a vision. No equity in your house? No problem. Home Improvement Loan** • $10,000 loan limit and five-year term.

CAP COM has Home Equity rates as low as

2.99% 3.25% APR*

• 9.00%APR** fixed rate. • Unique two-year draw period. • Convenient payment options. • Get pre-approved within 24 hours, if credit qualified. • Receive loan funds within one business day.

APR*

Apply today! • (518) 458-2195 ext. 2924 • www.capcomfcu.org • Visit any branch location

After six months

Discover more today! • (518) 458-2195 ext. 2924 • www.capcomfcu.org • Visit any branch location

**Annual Percentage Rate. Sample payment for 9.00% Annual Percentage Rate is $20.76 per $1,000. Rates were effective 8/15/11 and are subject to change without notice. Credit Union membership required. One-day loan disbursal requires proof of home improvements. Must be a CAP COM member. Must be a homeowner.

16 | September/October ‘11

Go mobile! iPhone App

Android App

NEW

Mobile Banking supports all web-enabled hand-held wireless devices. Simply set your device to www.capcomfcu.org for access to your Account. • View Account balances • Make transfers and pay bills • Find the nearest branches or ATMs (Data charges may apply.)

Scan this code to download our Android App or visit the Android Marketplace.

Scan this code to download our iPhone App or visit Apple’s App Store.

At a glance PHONE CCFCU Phone CCFCU Toll Free CCFCU Fax Touch-24 Touch-24 Toll Free

(518) 458-2195 (800) 468-5500 (518) 458-2261 (518) 458-8986 (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.* *See Early Drive Thru Hours below Thursday and Friday Lobbies 8:30 a.m. - 6 p.m. Drive Thrus 8 a.m. - 6 p.m. Saturday Lobbies 8:30 a.m. - 12:30 p.m. Drive Thrus 8:30 a.m. - 12:30 p.m. EARLY DRIVE THRU HOURS Monday to Friday Main Office & Latham 7:30 a.m.

BRANCH AND ATM LOCATIONS Albany (Main Office and mailing address) 18 Computer Drive East Albany, NY 12205-1168 Brunswick 799 Hoosick Road

ATM LOCATIONS Clifton Park Food Court, Clifton Park Center Waterford (Limited branch hours) 260 Hudson River Road

Clifton Park 1744 Route 9

SURCHARGE-FREE ATMs SUM Networks CO-OP ATM

Cohoes 219 Ontario Street

Locate ATMs at www.capcomfcu.org or with our Mobile Banking Apps.

Colonie 341 New Karner Road

WEB & MOBILE BANKING www.capcomfcu.org Secure online banking and convenient mobile-device banking featuring CAP COM’s iPhone and Android Apps.

Glenmont 384 Bender Lane

NEW

Glens Falls HOURS! 8 Glens Falls Tech Park Latham 4 Century Hill Drive Niskayuna 582 Balltown Road North Greenbush 233 Route 4

CAP COM FCU is federally insured by the National Credit Union Administration.

Member Company

Discounts Tickets for just $12! Albany Devils AHL action Get discounted tickets to upcoming Times Union Center home games. Check for discount tickets at www.capcomfcu.org/discounts in October. The Devils home opener is set for Saturday, Oct. 8.

Save at Blu Stone Get 10% off at the Blu Stone Bistro Blu Stone offers an outstanding menu, eclectic wine list and great seasonal martini list. Blu Stone Bistro is next to the Indigo Hotel near the Albany International Airport. Use your CAP COM VISA® Debit Card and enjoy a 10% discount.

Become a Member Company CAP COM serves more than 500 Member Companies. It’s easy for employees at Member Companies to join CAP COM. Add CAP COM to your benefits package for FREE and receive: • On-site presentations about CAP COM benefits. • Educational workshops at your location. • Unique promotions exclusively for our Member Companies. • A summer visit from the CAP COM Ice Cream Van. All Member Companies can join our Member Discount Program.* Discounts are offered to CAP COM members on our website and in our newsletter. Find a full list of discounts at www.capcomfcu.org/discounts.

Call Carie to discover more today! Carie Sala Business Development Manager csala@capcomfcu.org (518) 458-2195 ext. 3671 www.freecompanybenefit.com

*Offer details vary by vendor. Effective date of the program was 2/1/10. Credit Union does not endorse or guarantee the products or services of Member Companies. Previous purchases excluded. Program subject to change or cancellation without notice.

CAP COM

Used Car Sale! Saturday, Oct. 15

PRSRT STD U.S. Postage PAID Albany, NY Permit #186 18 Computer Drive East Albany, NY 12205-1168

Saturday, Oct. 15 9 a.m. - 3 p.m. Main Office 18 Computer Drive East, Albany

• More than 150 cars on site!

• Get pre-approved or apply for financing at the sale.

• Pre-negotiated pricing with discounts on all cars.

•

“CAP COM’s Car Buying Experts saved me thousands on my new car by negotiating with the dealer for me.” - Christina Reyes, Albany

Volume 27 • Number 5

of Communication

Lines Sept./Oct. 2011

C A P C OM USED CAR S SA A T L U E : R DAY, OCT. 1 5!

Drive happy! • Car Buying Experts • Auto Loans • NEW: Driving Sense Program!

Inside: School Banking | 2 Strides Walk Oct. 16 | 10