2014 Summer Lines of Communication by CAP COM Federal Credit Union

LINES Summer 2014

Volume 30 â&#x20AC;˘ No. 2

of Communication

a new banking experience CAP COM Financial Center

College Bound?

Help your student with one last lesson in financial literacy. 4

A day at the park There are changes to a family favorite this year. Choose from three dates at the Great Escape. 5

Honored students Young adult members honored for community service. 9

Women & investing

Are you investing aggressively enough to cover retirement? 10

start looking for your dream home!

Calendar President/CEO’s Credit Union

JULY Friday, July 4 Saturday, July 5 Branches closed for Independence Day Saturday, July 12 Great Escape FUNday option Details on Page 5 AUGUST Sunday, Aug. 10 Great Escape FUNday option Details on Page 5 Saturday, Aug 30 Branches closed for Labor Day SEPTEMBER Monday, Sept. 1 Branches closed for Labor Day Sunday, Sept. 21 Member Open House at 4 Winners Circle OCTOBER Saturday, Oct. 4 Great Escape FUNday option Details on Page 5

Lines of Communication is published quarterly exclusively for CAP COM Federal Credit Union members. SHARON PHILLIPS Vice President of Marketing LAUREN REAMON Marketing Manager DebORAH Collins-RAPP Marketing Specialist JIM O’CONNELL Marketing Specialist NANCY SCALA Marketing Specialist

This season finds us closing another chapter in the history of our Credit Union as we move into our new Financial Center, a much larger, state-of-the-art building at 4 Winners Circle in Albany. While the new building is not far from the 18 Computer Drive East location that has been our home since 1989, it is a monument to the change CAP COM has seen since its inception more than 60 years ago. You will certainly notice a new look when you visit us, but you’ll recognize familiar faces and the personalized service that you are used to getting at CAP COM. Our Credit Union is strong and continues to grow – and we can’t wait to show you our new home! Watch for more information about an Open House we have planned for members on September 21st. We look forward to welcoming you into our custom-designed meeting spaces as we revamp some of our fall member events. You will certainly notice a new look when you visit us, but you’ll recognize familiar faces and the personalized service that you are used to getting at CAP COM. It’s the kind of service that was honored again this year by Capital Region Living Magazine readers who voted us “Best Customer Service” and “Best Credit Union.” We continue to strive toward making banking easier for you – no matter where life takes you. Ask Angeline, on Page 3, how easy we made it for her to buy a car at our Spring Car Sale without the hassle. If a new car is on your list this summer, make sure you talk with our car buying experts. They can help you with the details of buying a car, so you can focus on other things while the weather is nice. Already this year, we’ve helped

Message

hundreds of homebuyers with our sold-out Capital Region Homebuyers Workshops. The decision to buy a home is one of the most important that you will make in your lifetime. We’re proud to be your local partner when it is time to buy a home and our mortgage experts will be with you every step of the way. You won’t have to look far in this newsletter to find out that you’ll be automatically entered to win a weekend getaway for up to four people if you apply for a Home Equity, Auto Loan or Mortgage, or if you open a new Checking Account at CAP COM. Details about our Live Life Your Way Sweepstakes are on Page 3. We’re having a lot of fun in our branches and on social media finding out what you like about #citylife or #countrylife. Don’t forget to cast your vote! Lastly, please help me congratulate three outstanding teens who were recognized earlier this year with the Making A Difference Award. These young members, featured on Page 8, are true leaders for the next generation and we applaud them for the work they are doing to help others. I hope your summer is full of adventure and lasting memories. If there is anything we can do to help, please let us know! Paula A. Stopera President/CEO

WILLOW L. DANNIBLE Communications Coordinator Danielle Sprague Marketing Coordinator LAURA REYNOLDS Graphic Designer 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.

Printed on 100% recycled paper with 30% post-consumer waste. Federally insured by NCUA

2 | Summer 2014

Contents 3 Live Life Your Way Enter to win a weekend getaway! 4 One Last Lesson Tips for College Bound families. 5 Choose Your FUNday We’re making your family’s favorite summer event more convenient. 5 Earn While You Learn Summer reading program news.

6 & 7 New Financial Center The CAP COM Financial Center and new Main Office Branch set to open. 8 Education Within Reach The Foundation supports education in our region. 8 Meet Our BIG Winners BIG Benefit Raffle winners announced.

9 Make A Difference 2014 Making A Difference Award winners. 10 Women & Investing Challenges women face as they look toward retirement. 10 CCFS advisors honored 11 Member Discounts Yankees and ValleyCats tickets and discounts at Reel Seafood.

Win a weekend getaway and $1,000 cash!

CAP COM can help! Whether you’re looking for a new loan or you want to refinance to save money, our lending experts can help you with the right products for your life.

Uproot, update or upgrade There’s a lot you can do with a Home Equity Loan that has rates as low as 2.99%APR1. A variety of terms, same-day approval and a fast closing will help you make the changes of your dreams. CAP COM has affordable mortgages in your neighborhood. Search for homes at www.capitalareahomefinder.com!

www.capcomfcu.org/livelife Explore your world in style With low Auto Loan rates and a team of car buying experts, we can help you find the car you want at the best price. We’ll even schedule your test drive and help you negotiate your trade! Take five minutes to get pre-approved and go shopping.

“Everyone at CAP COM is ready to assist you and there is no pressure. I got pre-approved for my Auto Loan and it was easy.” - Angeline, of Syracuse Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a Licensed Mortgage Banker - NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 453 New Karner Road, Albany NY 12205. CAP COM FCU NMLS Identifier: 401261. 1 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-tovalue up to 80% in first mortgage position. Other rates/terms available. Sample payment for 2.99% Annual Percentage Rate for 5 years is $17.96 per $1,000. Rates were effective 5/30/14 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. CAP COM FCU NMLS Identifier: 401261. CAP COM’s Car Buying Service, known as Car Buyers Helpline, is a subsidiary of CAP COM FCU.

You’ll be automatically entered for the chance to win a trip for up to four people when you apply for a Home Equity Loan, Mortgage or Auto Loan, or open a new Checking Account with Direct Deposit by July 31st. Choose from three days and two nights at The Sheraton Times Square in New York City or at The Sagamore in Lake George, NY – plus $1,000 spending cash!* Visit our website for alternate means of entry and complete Official Rules.*

Join the conversation

We want to hear what you like best about #countrylife or #citylife! Visit any branch to make your pick or you can tweet or post your choice before July 31st.

*LIVE LIFE YOUR WAY SWEEPSTAKES ENTRY PERIOD: 6/2/14 – 7/31/14. NO PURCHASE, TRANSACTION OR OBLIGATION NECESSARY TO ENTER OR WIN. Must be legal resident of the U.S./D.C. (excluding residents of FL & RI), 18 or older to enter. Random Drawing will be conducted on or about 8/25/14 to determine Grand Prize winner. A purchase, transaction or obligation such as approval for a loan will not improve the chances of winning the prize. Void in FL, RI, Puerto Rico and wherever else prohibited. See Official Rules for alternate entry method and complete details at www.capcomfcu.org/livelife.

Summer 2014 | 3

One last lesson

before college Watch for information about our College Admissions Workshop this October. Lack of budgeting and misuse of credit and debit cards are two of the biggest mistakes college students make when they first venture out on their own. Have your child open a Young Adult Checking Account now. They’ll have the summer to learn how to use it while you are right there to guide them. A Young Adult Checking Account comes with free ATM access* anywhere in the world. Connect-24 online banking and our mobile apps allow young adults to manage their money wherever they go. Free products like Direct Deposit, Remote Deposit and Bill Pay make it easier to move money in and out of their Checking Account. With a new Connect-24 option, your child can give you access to their account if you don’t already have it. Keep an eye on the balance and transfer money from your account if you think it is needed. There will be enough for your child to learn once college begins this fall. Financial savvy is one last gift you can give them before they go. Let us know how we can help! Ryan Chenot College Planning Specialist (518) 458-2195 ext. 3170 rchenot@capcomfcu.org Kim Donah College Planning Specialist (518) 458-2195 ext. 3106 kdonah@capcomfcu.org *CAP COM will reimburse members with a Young Adult Checking Account (ages 15-25) for any ATM surcharge or foreign transaction fee.

4 | Summer 2014

Sanje Harris-Richardson first joined CAP COM so she could start building credit and saving for a car. “It felt like home. I liked the vibe,” she said. “I thought: I really want to be part of this.” One of last year’s Weidner “Ed” Davis Scholarship winners, Sanje has been accepted at the University of Buffalo – School of Nursing, where she will enter her junior year this fall. She relies on mobile banking and direct deposit while she is in school and she said that budgeting and planning know-how will help keep her

from accumulating too much debt after college. In the upcoming year, Sanje will act as a Residential Advisor for incoming freshman. Here are her top tips for students who are college-bound: • Find the Financial Aid Office first. Make sure you have your aid in order before you even unpack. • Surround yourself with people who will push you to do better. • Learn how to manage and prioritize your time. • Don’t wait until the last minute to do your laundry.

Choose your

FUNday Choose from one of three dates to visit The Great Escape in Lake George for a day of fun at a discounted price: Saturday, July 12th Sunday, August 10th or Saturday, October 4th Tickets are $35 plus tax and will include: • Admission • Parking • Lunch in the Picnic Grove • Souvenir sport bottle with free Coca Cola® beverages throughout the day and $.99 refills for the rest of the season! That’s a value of more than $100! Children ages two and under do not need a ticket to enter the park or the Picnic Grove.

New this year: Tickets can only be purchased online. 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 Web site and enter the code: CCFCU. 3. Select your date and follow the prompts to print and pay. 4. You can print your tickets at home, or pick them up at Guest Services at the Great Escape on the morning of your visit. For more information, call (518) 458-2195 or e-mail wdannible@capcomfcu.org. Enjoy your day at the park!

CAP COM FCU is not an agent of the Great Escape / 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.

From left are CAP COM Educational Initiatives Assistant Elvira Conti, Educational Initiatives Manager Nicolle Monast, Mechanicville student Ryan Ambrocio and Colonie Police Department Officer G.R. Shaw with the department’s K-9 at the Police Week Ceremony.

Earn while you learn Earn up to $15 for reading ($3 per book) during our Summer Reading Program! Book entry guidelines • Ages 4-8: Submit a drawing of a scene or the cover • Ages 9-12: Submit a 50-word written summary • Ages 13-17: Submit a 100-word written summary Submissions are due by September 15th 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.

Watch for changes to this program, coming this fall. *Must be a CAP COM member to participate. Visit a branch for entry form and details.

Saving for something? New 9-, 23-month Certificates

Honoring the officers who serve and protect More than 200 students submitted posters in a contest sponsored by CAP COM that answered the question: How do police officers help people? The outstanding submissions of nine area children were chosen to receive $50 each at a special Police Week Ceremony in May. CAP COM also gave a total of $2,000 to eight local police departments to thank them for their service. Congratulations to our poster contest winners! Ryan Appleton, Saddlewood Elementary School; Gabriella Romeo-Artis, New Scotland Elementary School; Mya Bloodgood, Bell Top School; Tyler Quinn, Gardner Dickinson School; Sydney Carey Hmura, Orenda Elementary School; Jonathan Timpanaro, Mechanicville Elementary School; Ryan Ambrocio, Mechanicville Elementary School; Hannah Steil, Glenmont Elementary School and Caitlyn Roddy, Hamagrael Elementary School.

A Savings Certificate can help you save for something you may not need right now. These accounts earn more dividends than a regular Savings Account and are a really easy way to earmark money for a big purchase you are planning for. With terms from 9-36 months, we can customize your savings plan. Set up direct deposit, and you won’t have to think about the money again until you need it. Ask how we can help make saving easier for you! A penalty may be imposed for early withdrawals.

Summer 2014 | 5

a new banking e

introducing the ca New address: 4 Winners Circle â&#x20AC;˘ Albany, NY Rd

Just a mile from our current location at 18 Computer Drive East.

ir sC er inn W

er ut

Main Office 18 Computer Drive East

n tio

E Dr

Ciccoti Family Recreation Center

6 | Summer 2014

Crossings of Colonie

Turn onto Marcus Boulevard from Wolf Road. The CAP COM Financial Center is straight ahead of you at 4 Winners Circle.

rk Pa

d lf R

CAP COM Financial Center 4 Winners Circle

R ker Sha

tro

151

ny-

lvd

ati

m uto

a Alb

rcu Ma

on dir

Easy to find

W olf

ay hw

rt No

Designed with you in mind Youâ&#x20AC;&#x2122;ll enjoy a welcoming, modern teller line, community meeting space, an Internet lounge for mobile banking and the gourmet coffee bar you already love.

experience

ap com financial center From the desk drawer of a New York Telephone office in downtown Albany, CAP COM’s headquarters has found a home through the years on State Street, Madison Avenue, Computer Drive West and Computer Drive East, where the branch has been since 1989. The move to our new Financial Center at 4 Winners Circle caps 60 years of growth and provides our members with a state-of-the-art building in which to conduct their business. The Financial Center will bring together all of the Credit Union’s divisions, so you can handle all your financial needs in just one stop. • Main Office Branch • CAP COM Financial Services • Homeowners Advantage • Old Heritage Realty Services • CAP COM Cares Foundation • Car Buyers Helpline • College Bound • School Banking Opening on June 26th, our new Main Office branch is designed with you in mind! We can’t wait to greet you in our new space. Please note, only our address will change. All other contact information will remain the same.

Scholarship winners announced At the end of May, the Foundation 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! Emily Burnett, Clifton Park Julia Mahoney, Loudonville Sydney Campbell, Schenectady Tyler Hynes, Slingerlands Avram Durling, Saratoga Springs Katie Monson, Cohoes Gabrielle Jarosz, Schaghticoke Jonathan Drabek, Rexford Troy O’Neill, Athens Jesalyn Claeys, Mechanicville Alexis Watson, Niskayuna Katerina Simons, Selkirk

Putting education within reach

Anna Morrill, Delmar Bridget Gettys, Selkirk

Because we believe that education is a critical piece of the solid foundation we can give the Sydney Bertrand, Troy next generation of leaders, the Foundation has Natalie Minderville, pledged support to area families and schools in Schenectady a variety of ways. Kasarah Swart-Kaushal, More than $60,000 each year goes directly Niskayuna to the students through scholarships for Credit Lindsay Jones, Slingerlands Union members and programs at local colleges Laura O’Connor, Albany and high schools. Haley Miller, Schenectady A $200,000 commitment to the nursing program and newly opened state-of-the-art science center at Hudson Valley Community College will help fuel our region’s workforce. Over the next five years, the Foundation will give a total of $10,000 to Capital Region Sponsor-A-Scholar. Serving students from Albany, Schenectady and Troy High Schools, the With the help of all those who purchased a BIG Benefit Raffle program provides mentors, tutoring and social Ticket, we were able to raise interactions to help give high-achieving, inner$66,500 that will go directly to our city students the support they need to succeed. community. Watch for tickets to Area college students will benefit from the go on sale for our second raffle new CAP COM Internship Program at Proctors this fall. Congratulations to the BIG winners this spring: which offers students an intern experience in a variety of disciplines at Proctors and Capital $10,000 Grand Prize Joanne DiBlasi, Fort Montgomery Repertory Theaters. The Foundation supplemented the physical $5,000 Second Place Prize Robert Stenard, Schenectady education budgets at 10 low-income elementary schools in partnership with the $1,000 Prizes Jacob Taylor, Cohoes American Heart Association’s Jump Rope Larry Turner, Albany for Heart Program. The AHA saw an increase Kathy Narciso, Bloomingburg of more than $30,000 in fundraising this Bernie Daoust, Castleton year in the schools to which CAP COM Vincent Hopkins, Niskayuna offered incentives. Shawn Dettenrieder, Tribes Hill

And, as we have for many years, Foundation volunteers will gather together before the start of school to pack hundreds of backpacks with school supplies to donate to area families who can’t afford the hefty school start-up costs.

BIG Benefit Raffle winners

8 | Summer 2014

From money for brick and mortar to scholarships and pencils to write with, your Foundation donations help us support education in many ways. To find out how you can help, contact Foundation Administrator Theresa Petrone at tpetrone@capcomfcu.org or (518) 458-2195 ext. 3553.

Make a difference Congratulations to these three 2014 Making A Difference Award winners who were recognized for their community service: Arianna Yhann, Zilpa Oduor and Morgan Olson. Nominations are accepted early in the year, and are reviewed by a panel of judges. The teens are chosen for their commitment to their community. These three spend their spare time helping animals, the elderly, immigrants and refugees and area organizations like Ronald McDonald House, Equinox, The Center for Disability, Coupons for Troops and Students Against Destructive Decisions.

Managing your IRA account

“Congratulations and bravo for being someone who stands out in today’s complex world for doing the right things.” Paula Stopera, CAP COM President/CEO.

Staff in the spotlight Capital Region Living Magazine readers voted CAP COM as the Best Credit Union once again this year, and we’re proud that they also think we have the Best Customer Service Overall! This isn’t just a “job” to us. We come to work every day ready to make a difference. Here are the employees who have been honored so far this year for their outstanding efforts. TOP Service Christina Gorman Branch Representative

TOP Sales Karen Curry Loan Officer

Shevala Svraka Branch Receptionist

Shannon Clawson Contact Center Associate

Leadership Awards Christine Fitzgerald (Honored twice this year!) Latham and Cohoes Branch Manager

Brian Hooks Branch Representative

Todd Trombly Branch Representative

Michael Shoen Director of Internal Audit

TOP Support Chris Caradori Deposit Services Associate Dan Alix Contact Center Associate Justin Amidon System Administrator

TOP CUSO Staff Vicki Vielkind CAP COM Financial Services Receptionist

Jean Dudley Manager of Vendor and Records Management

CAP COM makes it easy for you to manage your IRA retirement savings online with our IRA Center. Visit www.capcomfcu.org and click on the “Invest” tab. Then choose “Retirement Central.” 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 withholdings, may relieve you from payment of estimated income taxes. However, your withholdings 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 ext. 3932.

Corrie Jayne Manager of Payment Operations

Mike Galligan Mortgage Audit Specialist

Chrystal Muir Manager of Mortgage Operations

Ann Marchaland Mortgage Loan Processor

Lauren Reamon Marketing Manager Summer 2014 | 9

CAP COM

Financial Services

Educating themselves about investments and long-term planning can help women feel more comfortable with riskier – yet potentially more rewarding – investments.

Women and investing Women often face greater obstacles when it comes to investing for retirement. On average, women work fewer years and earn less than men. This means that they have lower pension and Social Security benefits. But they also have longer life expectancies, so they need to save even more for a longer retirement. Women must also consider the fact that a couple’s retirement savings may be significantly diminished by health care costs for the spouse who dies first – which is statistically more often men than women. In order to make up for these discrepancies, women may need to invest more aggressively and begin contributing to their retirement savings as early as possible. Historically, equity investments have provided higher returns over the long term than less-risky investments like money markets and short-term bonds. However, the higher potential returns of equities should be weighed against their

higher risk as well as your own goals and risk tolerance. Educating themselves about investments and long-term planning can help women feel more comfortable with riskier – yet potentially more rewarding – investments. Women should also take steps to obtain information about the retirement benefits that are available through employers and actively participate in any plans offered. An investment professional is an excellent source of information and guidance to sort through the many choices available. Most important, women need to recognize the unique challenges they face and start saving and investing as early as possible to overcome them. To meet with a CAP COM Financial Services Advisor to discuss your unique retirement planning options, call us at (518) 782-0209 or visit www.capcomfinancial.com/contact.

© 2013 S&P Capital IQ Financial Communications. All rights reserved. Sources: Social Security Administration, 2009 (most recent data) and U.S. Department of Labor, 2009 (most recent data). Because of the possibility of human or mechanical error by S&P Capital IQ Financial Communications or its sources, neither S&P Capital IQ Financial Communications 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 S&P Capital IQ Financial Communications 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. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. 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

10 | Summer 2014

May Lose Value

No Credit Union Guarantee

CCFS advisors recognized Four advisors at CAP COM Financial Services, a subsidiary of CAP COM Federal Credit Union, have been recognized by LPL Financial LLC. The top advisor distinction is based on an annual production of all registered advisors supported by LPL Financial. James Faranda, Senior Financial Consultant, was named to the Chairman’s Club, a distinction awarded to less than six percent of the approximately 13,500 advisors who are affiliated with LPL Financial nationwide. John Shartrand, Chief Investment Officer, and Steve Massey, Director of Advisory Services, were both named to the Director’s Club, a distinction shared by less than 11 percent of LPL advisors. Harry Hartman, Financial Consultant, was named to the Freedom Club, a distinction awarded to less than 12 percent of LPL advisors. Congratulations on these prestigious distinctions! LPL Financial, a wholly owned subsidiary of LPL Financial Holdings Inc. (NASDAQ: LPLA), is the nation’s largest independent brokerdealer (based on total revenues, Financial Planning magazine, June 1996-2013), an RIA custodian, and an independent consultant to retirement plans. LPL Financial offers proprietary technology, comprehensive clearing and compliance services, practice management programs and training, and independent research to more than 13,500 financial advisors and approximately 700 financial institutions. In addition, LPL Financial supports more than 4,500 financial advisors licensed with insurance companies by providing customized clearing, advisory platforms and technology solutions. LPL Financial and its affiliates have approximately 3,000 employees with primary offices in Boston, Charlotte, and San Diego. For more information, please visit www.lpl.com.

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.

At a glance 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. See Glens Falls hours at right.

EARLY DRIVE THRU HOURS Monday to Friday Main Office & Latham 7:30 a.m.

Hours & Locations

Branch and ATMs

ATMs

Albany (Main Office and mailing address) 4 Winners Circle (Open June 26th!) Albany, NY 12205

Clifton Park Food Court, Clifton Park Center

Brunswick 799 Hoosick Road Clifton Park 1744 Route 9 Cohoes 219 Ontario Street Colonie 341 New Karner Road

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.

Glenmont 384 Bender Lane Glens Falls 8 Glens Falls Tech Park Mon. - Fri. 8:30 a.m. - 4:30 p.m. Closed for lunch daily 10:45 a.m. - 11:30 a.m. Latham 4 Century Hill Drive

Web and Mobile www.capcomfcu.org Secure Web Banking with Mobile Banking and Remote Deposit Apps for iPhones and Android devices.

Niskayuna 582 Balltown Road

www.capitalareahomefinder.com Start looking for your dream home!

North Greenbush 233 Route 4

MSG & data rates may apply.

All branches have ATMs available 24/7.

>> Member Discounts Take advantage of special offers* from local companies when you pay using a CAP COM VISA® Debit or Credit Card. Visit our Web site and click on “Rewards.” Then, choose “Member Discounts” for more offers.

Reel Seafood Co.

Discount Yankees tickets

Tri-City ValleyCats

Receive $5 off the purchase of two lunch entrées or $10 off the purchase of two dinner entrées at Reel Seafood Co., 195 Wolf Road, Albany NY. Reel Seafood was voted the Number 1 seafood restaurant by Capital Region Living Readers in 2014. Discount cannot be combined with any other promotion or discount and is not valid on holidays.

Enjoy up to 50% off tickets at select New York Yankees baseball home games with Ticketmaster. Click on the Yankees logo found on our Member Discounts page online to find out which games you can purchase discounted tickets for, and the amount of the discount for each. Enter the Promo Code CAPCOM.

You’ll get 15% off any ValleyCats merchandise purchased at Joseph L. Bruno Stadium. Terms and Conditions: • Purchases must be made in SouthPaw’s Den, the official ValleyCats team store. • Discount cannot be combined with any other offer.

*Offer details vary by vendor. The program is effective as of 2/1/10 and updated as of 5/30/14. CAP COM does not endorse or guarantee the products or services of Member Companies and is not liable for consequential direct or indirect damages which may result from the purchase of a good or service. Previous purchases excluded. Program subject to change without notice.

Summer 2014 | 11

LINES Summer 2014

PRSRT STD U.S. Postage PAID Albany, NY Permit #186

Volume 30 • No. 2

of Communication

a new banking experience CAP COM Financial Center

College Bound?

Help your student with one last lesson in financial literacy. 4

4 Winners Circle Albany, NY 12205

A day at the park There are changes to a family favorite this year. Choose from three dates at the Great Escape. 5

Honored students Young adult members honored for community service. 9

Women & investing

Are you investing aggressively enough to cover retirement? 10

start looking for your dream home!

SWEEPSTAKES

Choose your weekend getaway. You’ll be automatically entered for the chance to win a trip for up to four people when you apply for a Home Equity Loan, Mortgage or Auto Loan, or open a new Checking Account with Direct Deposit by July 31st. Choose from three days and two nights at The Sheraton Times Square in New York City or at The Sagamore in Lake George, NY and $1,000 spending cash!*

www.capcomfcu.org/livelife Visit our website for alternate means of entry and complete Official Rules.