Investments* CAP COM Financial Services, LLC offers access to investments and insurance products to help prepare for your child’s financial future. Ask an Associate for more information.
Youth Programs Mortgage Solutions Bank Young. Bank Smart.
529 Savings Plan** The New York State 529 College Savings Plan is a tax-advantaged plan that can be set up any time for a school-aged child. It’s a great savings tool and we’ll set it up for you. At CAP COM we benefit every member, every time, every day. CAP COM is a full-service financial institution whose unbridled commitment to its members and community is unmatched by anyone. We have all the products you need and the exceptional service you deserve.
Phone Numbers & Website 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 Connect-24 www.capcomfcu.org Mobile Banking www.capcomfcu.mobi Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205 For more information about our Youth Programs contact CAP COM at (518) 458-2195 or (800) 468-5500 or visit www.capcomfcu.org. CAP COM teens at a summer workshop.
*CAP COM Financial Services – Securities and annuities products offered through LPL Financial and its affiliates; Member FINRA/SIPC, 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 and insurance services offered through CAP COM Financial Services, LLC, a Registered Investment Advisor. **Section 529 plans are established and maintained by state governments or agencies or eligible educational institutions. Contributions must be kept in a qualified trust in order to be treated as a qualified tuition program. You should consider a 529 Plan’s fees and expenses such as administrative fees, enrollment fees, annual maintenance fees, sales charges, and underlying fund expenses, which will fluctuate depending on the 529 Plan invested in and the investments chose within the plan.
Not NCUA Insured May Lose Value No Credit Union Guarantee
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Glens Falls Latham • Niskayuna • North Greenbush
REV 7/2011
CAP COM FCU is federally insured by the National Credit Union Administration.
www.capcomfcu.org Our service says it all!
Bank Young. Bank Smart.
Scholarship and Awards
Kids Earn Up To $70 Per Year
Making a Difference Awards Monetary awards are given each spring to teen members between the ages of 13 and 17 who have made a significant commitment to volunteer work and community service. Nominations can be made by a parent, teacher or friend, or by the teens themselves.
Our Youth Programs help children and young adults learn to save money so their savings will grow with them.
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Get a $10 deposit for quarterly report cards with our Great Grades Program! Kids can earn up to $40 each year from kindergarten through high school. Our Earn Reading Programs allow u with p to $70 o children to earn up to $15 ... and ur Gre per yea a r Read ing P t Grade for reading up to five rogr s ! ams, Repo too! A rt Card books ($3 per book). B Mat A- Sc - English h ience = $40 With our Winter and per y ear Summer Reading = $30 p Programs, that’s $30 = $70 er year per y per year! ear
Young Adult Checking (ages 15-22) Unlimited free* ATM withdrawals worldwide and no minimum balance required. Teens ages 15-17 can open a Young Adult Checking Account with a parent or guardian as a joint owner. *CAP COM will reimburse members with a Young Adult Checking Account (ages 15-22) for any ATM surcharge or foreign transaction fee.
Weidner “Ed” Davis Scholarships These $2,500 scholarships are awarded each June to 15 local students. CAP COM members (through age 25) who are graduating high school seniors or pursuing an undergraduate degree can apply. Selection is based upon review of a submitted essay. Art Goedeke Scholarship For students (under age 25) who are planning to pursue a degree in computer science or information technology. This $2,000 award is given each year in March.
$chool
Banking
Kids learn to save by making deposits at school. We partner with schools to offer special visits, online account access and more! Ask us for details today!
Madison and Jeffrey Clermont, of Watervliet Elementary.
Making a Difference Award winner Lauren Motto, of South Colonie High School.
College Bound Program
CertifiKID*
Our unique College Bound Program features comprehensive products, services and resources designed to support parents and students preparing for college.
Secure your child’s savings in a CertifiKID! Your child’s money will grow faster than in a regular Savings Account. Add money regularly with a Payroll Deduction and save thousands over time! *Penalty for early withdrawals. Available in 18- or 36-month term.
Special Club Accounts Save with Payroll Deductions. Make withdrawals at any time without penalty. Keep a balance of $100 or more to earn dividends.
FREE Coin Machines and Kids’ Play Areas Exchange coins at any branch and get cash fast! Kids’ Play Areas with toys and TV shows!
Kim
Kim Donah, Certified College Planning Specialist, ext. 3106 or kdonah@capcomfcu.org. Ryan Chenot, College Specialist, ext. 3170 or rchenot@capcomfcu.org.
Ryan
Investments* CAP COM Financial Services, LLC offers access to investments and insurance products to help prepare for your child’s financial future. Ask an Associate for more information.
Youth Programs Mortgage Solutions Bank Young. Bank Smart.
529 Savings Plan** The New York State 529 College Savings Plan is a tax-advantaged plan that can be set up any time for a school-aged child. It’s a great savings tool and we’ll set it up for you. At CAP COM we benefit every member, every time, every day. CAP COM is a full-service financial institution whose unbridled commitment to its members and community is unmatched by anyone. We have all the products you need and the exceptional service you deserve.
Phone Numbers & Website 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 Connect-24 www.capcomfcu.org Mobile Banking www.capcomfcu.mobi Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205 For more information about our Youth Programs contact CAP COM at (518) 458-2195 or (800) 468-5500 or visit www.capcomfcu.org. CAP COM teens at a summer workshop.
*CAP COM Financial Services – Securities and annuities products offered through LPL Financial and its affiliates; Member FINRA/SIPC, 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 and insurance services offered through CAP COM Financial Services, LLC, a Registered Investment Advisor. **Section 529 plans are established and maintained by state governments or agencies or eligible educational institutions. Contributions must be kept in a qualified trust in order to be treated as a qualified tuition program. You should consider a 529 Plan’s fees and expenses such as administrative fees, enrollment fees, annual maintenance fees, sales charges, and underlying fund expenses, which will fluctuate depending on the 529 Plan invested in and the investments chose within the plan.
Not NCUA Insured May Lose Value No Credit Union Guarantee
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Glens Falls Latham • Niskayuna • North Greenbush
REV 7/2011
CAP COM FCU is federally insured by the National Credit Union Administration.
www.capcomfcu.org Our service says it all!