Lines of Communication by CAP COM Federal Credit Union

Lines of Communication

May/June 2011

Volume 27 • Number 3

Welcome to CAP COM Our Branch Receptionists are your gateway to easy answers and great financial services. Inside: • Youth Account prizes | 5 • CAP COM Generations | 8

Welcome home “We trust CAP COM. It’s lending made easy.” - Janeah Rosecrans, Altamont, N.Y.

Homebuyers trust CAP COM. Our home loans offer affordable financing. Discover our local origination, underwriting and service.* Mortgages for every need • FHA Loans with as little as 3.5% down payment.* • Construction Loans with as little as 10% down payment and no PMI.* • 30-year Conventional Fixed-Rate Mortgages with as little as 5% down payment.* • From first homes to second purchases to new construction, CAP COM is your trusted partner. • Talk with our Mortgage Team today and learn about all of our Home Loan options. NEW! Mortgages with only 3% down* • 30-year Adjustable-Rate Mortgages** from CAP COM. • Down payments as low as 3%. • Save up front and on monthly payments! • Locally serviced and owned.

Apply and pre-qualify today! • www.capcomfcu.org • (518) 458-2195 • 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. Closing costs as well as New York State Mortgage Tax and county filing fee will apply. Based on the mortgage product chosen Private Mortgage Insurance (PMI) and escrow may be required for down payments less than 20%. Representative payment example for a 30-year fixed rate mortgage with 20% down payment at 5.182% Annual Percentage Rate is $5.44 per $1,000 borrowed. Many other term, rate, and down payment options are available so please contact our Mortgage Team for additional details and opportunities. 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. ** Adjustable-Rate Mortgage: The current Annual Percentage Rate (APR) for a 5-year ARM is 3.552% and the APR for a 7-year ARM is 4.043% and these APR are subject to change without notice. The payment on a 30-year $200,000 5-year Adjustable-Rate Mortgage at 3.552% APR and 80% loan-to-value (LTV) is $898.09. After 5 years, the principal and interest could go to $1,101.64. The maximum allowable rate under this ARM program is 9.5%. Based on the preceding repayment example, the payment at the maximum rate would be $1,546.92

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May/June ‘11 | 1

President/CEO’s Message By Paula A. Stopera

2 Welcome to CAP COM Meet our Branch Receptionists. 4 Making a Difference Teen volunteers win special awards. 5 Where saving is cool! You could win a $500 VISA® Gift Card. PLUS: Youth Program Calendar. 6 Go Green! Sign up for online statement delivery. 7 Faster, easier, stylish Check out our new-look website. 8 Generations CAP COM is a valued partner for every stage in life. 10 Workshops Sign up and get ahead today. 11 CAP COM Cares Foundation news and events. 12 CAP COM Financial Tips on navigating volatility. 14 Great Auto Loans Easy low-rate Auto Loans. 15 Pay it forward Refer a new member and get paid. 16 Home Equity Loans Home Equities for every need. Lines of Communication is published bimonthly exclusively for CAP COM Federal Credit Union members. Above photo courtesy of Joan Heffler. Cover and inside photos courtesy of Denis J. Nally. CANDACE STAZIO Marketing Manager CARRAH DALEY 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.

Lynn Krug greets CAP COM members at “the helm of the ship,” as she calls the welcome desk at our Main Office. Lynn is one of nine Receptionists that you’ll find at each of our branch locations. Like all our Receptionists, Lynn embodies CAP COM’s spirit of service. That spirit is rooted in a genuine desire to help you get ahead. Maybe you are seeking a simple answer about our great Youth Accounts. Or, maybe you’ll start a conversation about buying a new home. Our Branch Receptionists are your gateway to easy answers. “We believe in our promise. We serve every member, every time, every day,” Lynn says on Page 3. Our belief in that promise is evident in a story on Page We’ve got so many 8. The story features members from childhood through ways to help you retirement and shows how our service spans generations. take charge of your CAP COM is a trusted financial partner at every stage of life. financial future! We helped the Rosecrans family as first-time homebuyers and again when they moved. The young family, featured at left and on Page 8, tells us: “We trust CAP COM. It’s lending made easy. ” Helping families like the Rosecrans achieve their financial goals is the essence of what we do. But, we also pride ourselves on community-oriented support for CAP COM families and local charity groups. The CAP COM Cares Foundation has given countless volunteer hours and more than $1.3 million to local organizations since 2003. Our Youth Programs celebrate young members like the Making a Difference Award winners featured on Page 4. South Colonie High School senior Sarah Mead tells us on Page 4: “Volunteering to lead Girl Scouts has shown me how to step up and take charge.” Those are inspirational words. Today, I invite you to get inspired. Visit a branch, talk with an Associate in our Contact Center, or browse our new-look website at www.capcomfcu.org. We have so many ways to help you take charge of your financial future! Sincerely,

Paula A. Stopera President/CEO

Workshop Tuesday, May 17, 2011

Discover more on Page 10!

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Mary Lou Pease Clifton Park Branch

Gigi Bernard Cohoes Branch

Rosemary Planz Glenmont Branch

Welcome to CAP COM

Our Receptionists stand in the lobby at our new Brunswick Branch

The CAP COM branch experience starts with our Receptionists. They are a gateway to easy answers and great financial services. Our Receptionists embody CAP COMâ&#x20AC;&#x2122;s spirit of service. That spirit is rooted in a genuine desire to help you get ahead! Visit a convenient branch today and start a conversation about your financial future.

May/June ‘11 3

Kaylin Bottillo North Greenbush Branch

Sherry Aioby Niskayuna Branch

Kathy Franko Latham Branch Mary Lou Doney Brunswick Branch

Shevala Svraka Colonie Branch

Lynn Krug Main Office

Here to help You’ll find Lynn Krug at the welcome desk at our Main Office. Like her colleagues, Lynn provides members with everything from answers to banking questions to an umbrella on a rainy day. That is CAP COM’s unique and personal style of service. “We believe in our promise. We serve every member, every time, every day,” Lynn said.

4 | May/June ‘11

“Volunteering to lead Girl Scouts has shown me how to step up and take charge.” - Sarah Mead

Kate Ryan

Sarah Mead

Lauren Motto

Making a

Difference

Our annual Making a Difference Awards celebrate young Capital Region volunteers who embody the credit union philosophy of “people helping people.” Lauren Motto is a senior at South Colonie High School. She volunteers in her school’s Key Club and is an aspiring biomedical engineer. “I’ve helped kids from the Sand Creek Middle School on math and science. I want them to get excited for the classes they’ll take in high school,” Lauren said. Lauren won first place and earned a $1,000 CertifiKID.* Sarah Mead is a senior at South Colonie High School. She volunteers with a local Girl Scout troop. She recently helped the troop earn a badge. “Volunteering to lead Girl Scouts has shown me how to step up and take charge,” Sarah said. Sarah earned second place and won a $500 CertifiKID.*

Kate Ryan is a junior at Bethlehem Central High School. She recently took a volunteer trip to Virginia with a church-sponsored high school youth group. “One lady I met needed companionship as much as help with home repair. It was great to give something back,” Kate said. Kate earned third place and won a $300 CertifiKID.* 2012 Nominations Awards are made based on nominations from family, teachers and friends. Contact Public Relations Specialist Theresa Petrone at (518) 458-2195 ext. 3553 or tpetrone@capcomfcu.org for more information on nominating a teen for our 2012 awards. CertifiKIDs are special 18- or 36-month savings certificates. Add money at any time and save for the future. Ask us about setting up a CertifiKID for a child or grandchild today!

May/June ‘11 | 5

Youth Program

Calendar May

June

ValleyCats Bat Boy/Bat Girl Sweepstakes Enter in May to win* a spot on the team during one of 34 home games starting June 17 at Joseph L. Bruno Stadium in Troy. Visit a branch and enter to win:

Read up to five books between June 25 and Sept. 6 and earn up to $15 ($3 per book) in our Summer Reading Program! Submit names of books read along with drawings or summaries. Parents should sign each submission. For each book, submit: • Ages 4-8: Drawing of a scene from the book • Ages 9-12: 50-word written summary • Ages 13-17: 100-word written summary

• Premium Box tickets for a family of four • A Tri-City ValleyCats baseball cap and T-shirt • A pre-game photograph with the players • An introduction to the crowd • A seat in the dugout and a chance to be a bat boy/girl *One entry per person. No purchase necessary. 34 winners will be chosen branch-wide on June 1. Winners must be between the ages of 9-18. Each winner will receive an award letter from the ValleyCats that specifies the game date awarded to the winner. CCFCU employees, volunteers and their families as well as ValleyCats employees and their families are not eligible to win.

Send submissions to: CAP COM Federal Credit Union Attn: Theresa Petrone 18 Computer Drive East Albany, NY 12205

Get discounted Great Escape tickets at any branch. Season passes are $69.99 and are on sale until June 11. That’s $10 off a season pass at the Lake George fun park. Purchase AnyDay tickets for a day of your choice during the 2011 season from May 21 to Sept. 2. Our AnyDay tickets are $27.75, an $18 savings per adult ticket.

July Our Great Grades Program allows kids to earn $10 per quarter (up to $40 per year) for report cards. The next report-card deadline is July 30. Visit our website for more information.

Where saving is cool! “CAP COM pays me for my report cards.” - Jakub Hann, Youth Member

Open a new Youth Account or add a CertifiKID1 by June 18 and you could win2 a $500 VISA® Gift Card. That is very cool! Open a Youth Account today! • www.capcomfcu.org • (518) 458-2195 • Visit any branch location

1 Certificate requires membership in the Credit Union. Certificate dividends are compounded daily and posted quarterly. A penalty may be imposed for early withdrawals. Fees and other conditions may reduce the earnings on some accounts. Other rates and terms may apply based on product/service relationship with the Credit Union. 2 Sweepstakes Rules: No purchase necessary. Must be 18 or older to enter. CCFCU 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: CCFCU, 18 Computer Drive East, Albany, NY 12205-1168, Attn: Marketing Department. One mail-in entry per person.

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Sign up for eStatements and eNotices today! • Visit www.capcomfcu.org • Call (518) 458-2195 • Visit any branch location • Log in to Connect-24 and click on Go Green!

Get faster delivery. Reduce clutter. Avoid fraud.

Our free eStatement and eNotice online delivery tools are up to three days faster than regular mail. Delivery is safer and more secure than regular mail. Get access anywhere, anytime to a year’s worth of account activity. eStatements and VISA® eStatements View account and VISA® statements on your computer within our secure Connect-24 home banking system. Get statement delivery updates via e-mail. Print or save easy-to-read PDF documents. View copies of canceled checks.

eNotices Set up e-mail alerts or pick up eNotices in Connect-24. Create next-day e-mail alerts for low balances, overdraft notices, certificate renewals and late-payment notices. Print or save easy-to-read PDF documents.

Our Mobile Banking gateway at www.capcomfcu.mobi supports all hand-held wireless devices.* Simply set your Internet-capable device to the website for real-time access to your account. • View account balances • Make transfers and pay bills • Find the nearest branches or ATMs Mobile device scan code Scan this code to download the CAP COM iPhone App!

*Data charges may apply. Check with your wireless carrier.

Jordan Colaruotolo Junior Systems Administrator

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The CAP COM website has a new look. Visit www.capcomfcu.org today and discover easier navigation and faster access to Connect-24 Home Banking System. Take a quick tour of our faster, easier and more stylish new site!

Navigate and discover Better site design helps you dive deeper on the financial services that matter to you. Discover the gateway to your financial future. From our new Bank, Borrow and Invest buttons to easy Youth Account and Home Loan options. Your new online branch is ready to help every member, every time, every day – any time of day!

Lending Discover Home Equities, great Mortgages, easy Auto Loans and more.

Connect-24 Secure gateway to full-service online banking. CAP COM Cares Our charitable Foundation supports Capital Region community groups.

Mobile Banking Discover on-the-go banking and paperless account and VISA statements. Go mobile and Go Green!

Banners Stay informed of all of CAP COM’s newest products and services.

Questions? Call our Contact Center eCommerce experts at (518) 458-2195.

Facebook Get updates and stay connected with your friends and neighbors at CAP COM.

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Generations Every member, every time, every day.

May/June ‘11 | 9

Contact Center (518) 458-2195 or (800) 468-5500 Web Banking www.capcomfcu.org

Branch experience

Mobile Banking www.capcomfcu.mobi

Friendly Receptionists Full-service banking Kids’ play area Member computer, fax and photocopier FREE Coin Machine Complimentary coffee and tea station

Helping you at every stage in life Childhood Youth Accounts help kids earn up to $70 per year. Our Great Grades Program gives kids up to $40 per year for their report cards. The Reading Programs offer up $30 per year for book drawings and summaries. Parents can add money to a special CertifiKID savings certificate at any time. College Bound College Bound has helped hundreds of families. The program features unique products, services, workshops and College Specialists to help families make a great college plan. Our Young Adult Checking Account and VISA® Debit Card provide FREE* access to your account at any ATM on campus or around the world! *CAP COM will reimburse members with a Young Adult Checking Account (ages 15-22) for any ATM surcharge or foreign transaction fee. Members ages 15-17 must have a parent or guardian as a joint owner.

Young professional Gen Y chooses CAP COM. Just ask Marissa Harris. “It started with a car loan, then Savings and then Checking. I will never go anywhere else,” Marissa said. Your CAP COM Checking Account delivers a surchargefree ATM network, Mobile Banking and our Connect-24 Web banking platform. Our Associates help young professionals save, plan and get the best loans for getting ahead. Raising a family Every family has banking needs. CAP COM has solutions. From buying a first home to refinancing a mortgage, start with our trusted lending experts. We make Home Loans easy. CAP COM’s Financial Checkups deliver financial solutions and savings strategies. Meet with us today to find out how we can help you save! Enjoying life Planning is essential for a happy retirement. Advisors at CAP COM Financial Services are salaried, non-commissioned professionals who provide unbiased retirement, insurance, and estate-planning advice. Discover your options for smart retirement planning.

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.

10 | May/June ‘11

More than Mortgages

Important Dates MAY 17 Opening at 9:30 a.m. Opening late due to staff training. 28 & 30 closed for Memorial Day

Why rent when you can own! Join us for our

JUNE 13 CAP COM Cares golf event 10 a.m. tee off at Wolferts Roost Country Club. See Page 11 for details. 21 Early closing Main Office and Latham close at 3:30 p.m. Other branches close at 3 p.m. for company-wide training.

Workshop Tuesday, May 17, 2011 6-8 p.m. Main Office 18 Computer Drive East, Albany

JULY 2 & 4 closed for Independence Day AUGUST 7 Great Escape FUNday Join us at the Lake George park. See our website and July newsletter for details. See Page 5 for more Great Escape discounts. Siblings Connor and Mollee Fogarty enjoy a ride at the Great Escape.

Ask an Associate, call (518) 458-2195 ext. 3168 or go to www.capcomfcu.org to register. At CAP COM we benefit every member, every time, every day.

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

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

First-Time Homebuyers Why rent when you can own! May 17 | 6-8 p.m. Doors open at 5:45 p.m. Main Office 18 Computer Drive East, Albany

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

Money & Me Summer Camp Kids learn how to manage money and make it work for them. July 25 -29 | 9 a.m.-noon each day For members age 14-18. Training Center 18 Computer Drive East, Albany

AARP Driver’s Safety Program Safety program for drivers age 50 and older (AARP fee applies). June 7 & 8 Aug. 23 & 24 9 a.m. to noon Training Center 18 Computer Drive East, Albany

May/June ‘11 | 11

Foundation events Join us at Wolferts Roost Country Club in Albany on Monday, June 13 at 10 a.m. for the CAP COM Cares Foundation 16th Annual Charity Golf Tournament hosted by the CAP COM Group.

Jim O’Connell Foundation Administrator (518) 458-2195 ext. 3631 or e-mail at joconnell@capcomfcu.org.

Spon sor still a ships are vaila ble.

Warmth of Wine

The Foundation was again a sponsor of the Warmth of Wine fundraiser for the Colonie Senior Services Center in early March. The event raised more than $40,000 to support the Center’s Umbrella Program of Colonie, which helps local senior citizens cover home heating costs. More than 375 people, including CAP COM volunteers, gathered at The Century House to support this important local charity.

Bowl-a-thon

Art Goedeke Memorial Scholarship LaSalle Institute graduate and Northeastern University student Thomas E. Hulihan V is the 2011 winner of the Art Goedeke Scholarship. The late Art Goedeke was a longtime Credit Union member with a passion for computer science and information technology. The Goedeke family set up a $2,000 scholarship to help students with similar career aspirations. Thomas wrote an essay about the ethical use of personal information stored on social networking sites like Facebook. Thomas is pursing an undergraduate degree in computer science. Thomas became a member several years ago when his grandmother and longtime Credit Union Member, Mary Smulsky, opened his Youth Account.

CAP COM staff and volunteers got their bowling shoes on for the Foundation. More than 200 bowlers gathered on a Sunday in March at Uncle Sam Lanes in Troy for the Foundation Bowl-a-thon. “It was a great volunteer and staff event and we raised nearly $4,500 for the Foundation,” said Foundation Administrator Jim O’Connell.

Supporting soldiers

Children of staff and U.S. Air National Guard guardsmen assembled care packages for soldiers overseas on April 20 as part of Support our Soldiers (SOS) Program.

CAP COM

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Financial Services

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

Gains amid volatility Navigating volatile financial markets is a cornerstone of smart investing. Taking a long-term view helps produce decisions that benefit your retirement portfolio. “At CAP COM Financial, our clients get steady advice to help them navigate market swings,” said Financial Advisor Harry Hartman.

Workshops Tax Strategies: Managing Your Taxes All Year Long* May 19 10-11:30 a.m. & 5:30-7 p.m. Webinar: May 24 | Noon & 6 p.m. 21st Century Retirement: Strategies for Managing Retirement Income** June 23 10-11:30 a.m. & 5:30-7 p.m. Webinar: June 28 | Noon & 6 p.m. Workshops location: Main Office 18 Computer Drive East, Albany To RSVP, call (518) 782-0209 or send an e-mail to vvielkin@capcomfinancial.com. *Investors should discuss tax-related strategies with a qualified tax advisor. **There is no guarantee that the strategies discussed will be successful.

Maintain perspective Don’t panic. Don’t sell into a rapidly declining market and don’t buy into a rapidly rising market. You’ll just be following the herd and locking in losses. You never know when the market is going to shoot up, so staying invested and not giving in to panic can really make a difference. Portfolio review Your portfolio’s mix of stocks, bonds and cash equivalents should reflect your needs. Diversify by spreading money among different investments to reduce risk.

Market-timing risk Dollar cost averaging can help reduce market-timing risk for long-term investors. By investing regular amounts at steady intervals, your cost per share will average out over time. If the market rises over the long term, expensive shares purchased at the top of one cycle will be offset by the cheaper shares bought when the market corrects. Talk with us! Call CAP COM Financial at (518) 782-0209 to set up a meeting.

This article was prepared by Standard & Poor’s and is not intended to provide specific investment advice or recommendations for any individual. Consult your financial advisor if you have any questions.

Peaks and valleys Long-term investors can handle a few market peaks and valleys. However, investors with a short time horizon should answer critical questions such as: How much can I afford to lose in the short term? Am I pursuing growth that will outpace inflation? Harry Hartman LPL Financial Advisor

Not NCUA Insured

May Lose Value

No Credit Union Guarantee

May/June ‘11 | 13

Insurance options Life insurance trends Americans say they want more life insurance yet the percentage of families who have protection is at historic lows. Just 44 percent of U.S. households have individual life insurance, a 50-year low according to the life insurance research group LIMRA. About half of households say they need more life insurance. Every family’s financial well-being includes life insurance. Cutting it from your budget can create a bigger burden after a tragedy. At CAP COM Financial, our life insurance can help your family find coverage at a great price. Get a FREE quote today! Call CAP COM Financial at (518) 782-0209. Insurance for every stage of life Coverage that meets your needs – today and tomorrow. CAP COM’s sponsored insurance program offers a variety of affordable life insurance products for members only. Life Insurance options: For children: Convertible single-premium coverage. For adults: Term life with no medical exam* or level term options. Let us help you decide what fits your needs. For seniors: Guaranteed issue for ages 50 to 75.

“Life insurance will help protect your family. Without it, an unexpected death can leave loved ones in financial ruin.” - Willis Reed Director of Insurance Services

*Issuance of insurance policy may depend on the answer to health questions.

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, and estate and tax advice for our members.

Travelers car insurance Get great savings and coverage you can count on! Choose Travelers coverage that matches your new car. Look beyond price and find important answers. Get protection that won’t leave you stranded. Can you repair or replace your vehicle after an accident? Find savings and security with CAP COM’s Travelers pricing. Choose an insurance company that has a history of being there when you need them most.

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

14 | May/June ‘11

CAP COM Auto Loans feature three easy steps to owning your next vehicle: Step 1: Get pre-approved for an Auto Loan today! Apply online, call or speak to a Branch Representative today! Step 2: Let our Car Buying Experts find the right vehicle and negotiate the best price for you! Step 3: Get your Auto Loan Check. Pay the Dealer. Drive Away! Apply for an Auto Loan today! • Visit www.capcomfcu.org • Call (518) 458-2195 • Visit any branch location today!

Mobile Banking safety tips CAP COM’s Mobile Banking is equipped with leading-edge mobile device security features. In addition, we advise members to follow these safety tips to prevent fraud. • Always keep your web-enabled mobile device with you. • Install antivirus software on your mobile device. • Never download, open attachments or click on a weblink from an unfamiliar source. • Password protect your mobile device. • Never store user names and passwords on the device. • Check your CAP COM account frequently. Immediately report unauthorized transactions to CAP COM. • Contact our Risk Management Team at (518) 458-2195 ext. 2200 with any questions. Car Buyers Helpline is an independently incorporated subsidiary of CAP COM FCU.

May/June ‘11 | 15

Employee Spotlight

CAP COM believes in recognizing employees for outstanding efforts in support of members and fellow employees. In March, the Credit Union recognized one manager with a Leadership Award and three staff members with TOP Awards. Leadership Award Cliff Carignan Credit Risk Manager Main Office 1 year of service

TOP Service Kim Ingoglia Contact Center Associate Main Office 17 years of service

TOP Support Jill Gagnon Accountant Main Office 3 years of service

TOP Sales Chris Preston Licensed Branch Representative Niskayuna Branch 3 years of service

Cliff

Pay it forward and get $25 or more! Paying it forward will help you get paid! Fill out a New Member Referral Coupon for family, friends or coworkers. We’ll give you $25 for new accounts and loans including: Checking, Youth Savings, Young Adult Checking or Auto Loan.1 CAP COM makes it easy to Switch! • Setting up any Direct Deposits you have. • Redirecting any Automatic Payments you make. • And even closing your old account for you! Join instantly! Use our new online membership application and, if qualified, you can join instantly! • Visit www.capcomfcu.org • Call (518) 458-2195 or (800) 468-5500 • Visit any of our Capital Region branches

Jill

Kim

Chris

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

Phone

City State Zip

1 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.

CAP COM Employee Section Employee Initials Date New Account Number: Branch: GL #271272.300

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Home Equities as low as 2.99%

APR*

Our low-rate Home Equity Loans are great for everything from home improvement to debt consolidation. Our low-cost refinance options could help lower monthly payments. Discover locally serviced loans and biweekly payment options.

Get started today! It’s easy to apply: • Online at www.capcomfcu.org/homeloans • By phone at (518) 458-2195 or (800) 468-5500 ext. 2924. • Visit any branch location

*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%. Other rates/terms available. Sample payment for 2.99% Annual Percentage Rate is $5.54 per $1,000. Rates were effective 3/16/11 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.

Phone Numbers 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 Hours of Operation Lobby: Mon — Wed: 8:30 a.m. - 4:30 p.m. Thurs & Fri: 8:30 a.m. - 6 p.m. Sat: 8:30 a.m. - 12:30 p.m. Drive Thru: Mon — Wed: Thurs & Fri: Sat:

8 a.m. - 5 p.m. 8 a.m. - 6 p.m. 8:30 a.m. - 12:30 p.m.

Early drive thru hours 18 Computer Drive East, Albany 4 Century Hill Drive, Latham Mon — Fri: 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 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 Route 4

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

Other ATM Locations Clifton Park Food Court, Clifton Park Center Waterford (Limited branch hours) 260 Hudson River Road Other surcharge-free options SUM Networks COOP ATM To find the ATM nearest you, visit www.capcomfcu.org and choose “Locations/ATMs” on our home page. Then, click on “Branch/ATM Locator.” WEB BANKING www.capcomfcu.org Secure online banking MOBILE BANKING www.capcomfcu.mobi Web-enabled mobile device banking

Member Company

Discounts Save at Freihofer’s 10% off at Bakery Outlets Get 10% off1 purchases at Freihofer’s Bakery Outlets with your CAP COM VISA® Debit or Credit Card. Visit Outlets in Troy, Schenectady, Colonie and Saratoga Springs.

Tri-City ValleyCats 15% off at the team store Get 15% off1 ValleyCats gear purchased at Joseph L. Bruno Stadium. Use your CAP COM VISA Debit or Credit Card to buy discounted items at SouthPaw’s Den, the official team store. New season starts June 17! See our Bat Boy/Bat Girl Sweepstakes on Page 5! 1

Cannot be combined with other discounts.

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 Truck All Member Companies can join our Member Discount Program.* Discounts are offered to the CAP COM membership on the web 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 is 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.

Welcome home “We trust CAP COM. It’s lending made easy.”

- Janeah Rosecrans, Altamont, N.Y.

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

Homebuyers trust

CAP COM.

Our mortgages offer affordable financing. Discover more details inside!

May/June 2011

Lines

of Communication

Volume 27 • Number 3

Welcome CAP COM to

Our Branch Receptionists are your gateway to easy answers and great financial services.

Inside: • Youth Account prizes | 5 • CAP COM Generations | 8