ElEctronic SErvicES Connect-24 (Home Banking)

Secure online banking platform; view account balances, history, check copies and statements; conduct transfers; make payments and more. Data charges may apply.

Check with your wireless carrier.

Mobile BankingManage your money anytime, anywhere with our free downloadable iPhone App and access to our mobile web solution at www.capcomfcu.mobi. Visit our website for more information.

FinanceWorks Free online money management tool that can monitor all your accounts. Find it within Connect-24.

Online Bill Pay Pay bills in a secure, online location. You can also receive, view and manage copies of your bills online with Bill Presentment.

Online Lending Apply for loans anytime and receive instant approval if credit qualified.

Online Membership Application Apply for membership online, 24 hours a day, seven days a week.

iDeposit-24*Deposit checks to your Savings and Checking Accounts from anywhere you have Internet access.

Funds Transfer* Transfer funds between institutions.

Pay People*Send money to any e-mail address or cell phone.

E-Statement View your account and credit card statements online within Connect-24.*Must meet eligibility requirements. Some restrictions may apply.

Join todayFor 100 years, the credit union movement has given people an alternative to traditional banking. These nonprofit, financial cooperatives have a common philosophy: “people helping people.” This premise guided the inception of CAP COM Federal Credit Union more than 55 years ago.

CAP COM is a locally based, member-owned, full-service financial institution that makes every decision with your best interest in mind. As a member of this Credit Union, you are one of the owners and we work for you.

caP coM carES FoundationFormed in 2003, the mission of the CAP COM Cares Foundation is to nurture our community by supporting community health and wellness; financial literacy and education; children and underprivileged families. For more information or to make a donation, visit our website or any branch location.

Phone numbers & WebsiteCCFCU 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

www.capcomfcu.org

Main office & Mailing address 18 Computer Drive East • Albany, NY 12205

10 01-002REV 10/21/103,000

Directory of Products & Services

Albany • Brunswick • Clifton Park • Cohoes Colonie • Glenmont • Latham • Niskayuna

North Greenbush

www.capcomfc.org

SavingS Primary Savings The Credit Union’s Savings Account is required for membership and allows you access to all the products, services and programs we offer.

Youth Savings (ages birth-12 years) Earn dividends; participate in youth events and contests.

Young Adult Savings (ages 13-17) Earn dividends; participate in teen events and contests; be eligible for Credit Union scholarships

Holiday Club Automatic deposits available through payroll deduction; earns dividends and renews automatically; club balance is transferred to Savings Account in early October.

Special Purpose Club Accounts Can be used for any special savings purpose. Earns dividends and allows withdrawals at any time.

Individual Retirement Accounts Including rollovers from qualified savings plans at retirement; insured by NCUA (National Credit Union Administration).

Certificates* Terms from three to 60 months; minimum deposit of $500; call for special offers.

iSaveSM Certificates* 12-, 18- or 36-month terms, $100 minimum; customize your savings plan online.

CertifiKIDs Certificates* 18- or 36-month terms, $100 minimum deposit is waived with payroll deduction. *Penalty for early withdrawals.

Premier Money Market Savings Account with check writing capabilities; unlimited cash withdrawals. $60,000 minimum balance and Checking Account required to earn dividends.

Investors’ Advantage Money Market Savings Account with check writing capabilities; unlimited cash withdrawals.

• $10,000-$24,999: Free checks with Checking Account (select styles); free Travelers Cheques; free CAP COM Financial Services consultation.

• $25,000 or greater: Same as $10,000-$24,999 tier, plus an annual gift.

chEcking Free checks for life (select styles) and overdraft options are available on all Checking Accounts. Unlimited free check images on Connect-24. Convenient 24-hour access with the VISA® Debit Card through ATMs and merchants. Receive your monthly account statements online or by mail.

Consumers’ Choice Free Checking No minimum balance required; no monthly fee.

Members’ Advantage Dividend Checking $500 average monthly balance required to earn dividends; no monthly fee.

Investors’ Advantage Dividend CheckingCredit Union Money Market and $1,000 average monthly balance required to earn dividends; no monthly fee.

Young Adult Checking (ages 15-22) Unlimited free* ATM withdrawals at any ATM worldwide; no minimum balance; wallet-size check register. Teens ages 15-17 can open a Young Adult Checking Account with a parent or guardian as a joint owner. *CAP COM Federal Credit Union will reimburse members with a Young Adult Checking Account (ages 15-22) for any ATM surcharge or foreign transaction fee.

VISA® Debit Card Access your Checking Account anywhere VISA is accepted with this FREE Debit Card. Earn CU Reward Points for every $5 you spend.

loanS (if credit qualified) Personal Unsecured line-of-credit up to $15,000.

Automobile Financing for new and used vehicles. Contact us for rates and terms.

RV/Boat Loan Financing for recreational equipment and accessories, RVs, boats, planes, etc.

Academic Advantage Education LoanUp to $50,000 for education expenses; Guaranteed Student Loans available.

Checking Account Line-of-CreditChecking Account overdraft option up to $5,000.

Home Loans First Mortgages Variety of terms; competitive rates.

Home Equity Line-of-Credit: Fixed and adjustable rates; limits up to $417,000. Contact us for rates and terms.

viSa credit cards (if credit qualified).

Classic VISA Limits $500 to $15,000; no additional interest fees for cash advances.

Platinum VISA Limits from $15,000 to $30,000; CU Reward Points; no additional interest fees for cash advances.

SErvicES Contact Center Credit Union Associates are available during business hours to verify balance information and cleared checks, transfer funds, request a check and much more.

College Bound We have a dedicated staff that is ready to help your family with College Bound, a comprehensive program of products and services including admissions and counseling services, FAFSA preparation, scholarships, student loans and workshops.

Touch-24 Phone line access with an audio response option for routine account transactions from a touch-tone phone. Available 24 hours a day, seven days a week by calling (518) 458-8986 or (800) 634-2340.

other Services:Direct Deposit Payroll Deduction Payroll Distribution American Express Travelers Cheques US Postage Stamps VISA® Gift Cards

CAP COM Financial Services** CCFS is a registered Investment Advisory firm that specializes in retirement and estate planning, insurance, and tax preparation. **CAP COM Investment Services - Securities and annuities 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.

Car Buyers HelplineA unique service designed to help Credit Union members in all phases of vehicle purchase process, including dealer negotiation.

Small Business Accounts Competitive deposit and loan programs that meet your business needs. Contact us for more information at (518) 458-2195 or (800) 468-5500 or memberpro@capcomfcu.org.

Not NCUA Insured May Lose Value No Credit Union Guarantee

ElEctronic SErvicES Connect-24 (Home Banking)

Secure online banking platform; view account balances, history, check copies and statements; conduct transfers; make payments and more. Data charges may apply.

Check with your wireless carrier.

Mobile BankingManage your money anytime, anywhere with our free downloadable iPhone App and access to our mobile web solution at www.capcomfcu.mobi. Visit our website for more information.

FinanceWorks Free online money management tool that can monitor all your accounts. Find it within Connect-24.

Online Bill Pay Pay bills in a secure, online location. You can also receive, view and manage copies of your bills online with Bill Presentment.

Online Lending Apply for loans anytime and receive instant approval if credit qualified.

Online Membership Application Apply for membership online, 24 hours a day, seven days a week.

iDeposit-24*Deposit checks to your Savings and Checking Accounts from anywhere you have Internet access.

Funds Transfer* Transfer funds between institutions.

Pay People*Send money to any e-mail address or cell phone.

E-Statement View your account and credit card statements online within Connect-24.*Must meet eligibility requirements. Some restrictions may apply.

Join todayFor 100 years, the credit union movement has given people an alternative to traditional banking. These nonprofit, financial cooperatives have a common philosophy: “people helping people.” This premise guided the inception of CAP COM Federal Credit Union more than 55 years ago.

CAP COM is a locally based, member-owned, full-service financial institution that makes every decision with your best interest in mind. As a member of this Credit Union, you are one of the owners and we work for you.

caP coM carES FoundationFormed in 2003, the mission of the CAP COM Cares Foundation is to nurture our community by supporting community health and wellness; financial literacy and education; children and underprivileged families. For more information or to make a donation, visit our website or any branch location.

Phone numbers & WebsiteCCFCU 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

www.capcomfcu.org

Main office & Mailing address 18 Computer Drive East • Albany, NY 12205

10 01-002REV 10/21/103,000

Directory of Products & Services

Albany • Brunswick • Clifton Park • Cohoes Colonie • Glenmont • Latham • Niskayuna

North Greenbush

www.capcomfc.org