Changing lives | 2 Teen volunteers honored with Making a Difference awards.

Great Escape | 5 Get FUNday, Season Pass and Any Day Ticket details.

Plan to save | 16 How much will you save with a Financial Checkup?

Linesof CommunicationMay-June 2012 Volume 28 • Number 3

Renovateand renew | 8Our Home Equity Loans are great for home improvement and much more! PLUS: Discover award-winning service.

CAP COM’s easy-to-use tools for banking at any time.

On your smartphone

Mobile Banking delivers account balance and history, as well as options for transfers and paying bills. Download our great iPhone® App or Android App featuring touch-screen access to your account and a surcharge-free ATM locator. Mobile Banking also supports all Internet-enabled hand-held wireless devices. Data charges may apply.

Tip: Download Mobile Banking Apps from Apple’s App Store or Google Play.

On your home phone

On your computer

Connect-24 Web Banking lets you see all account balances, up to 12 months of transaction history

and a dashboard view of your finances. You can

pay bills or transfer funds among accounts and make loan payment transfers and add-ons. View

or print canceled checks and get e-mail alerts based on preferences you create.

Branch ATMs

Make fee-free ATM deposits and cash withdrawals at any time of day at many of our branches. Make deposits at ATMs found at these convenient branches: Albany, Brunswick, Clifton Park, Cohoes, Glenmont, Latham, Niskayuna and North Greenbush.

Tip: Use our Branch & ATM Finder at www.capcomfcu.org to find all our fee-free ATMs.

timeAny

CAP COM’s enhanced Touch-24 home banking system offers convenient 24/7 account access over the phone. Choose from Touch-Tone or Speech Recognition account access. To use Touch-24’s convenient Speech Recognition system, find a quiet place to use the system and access your account.

Tip: Call the Touch-24 home banking system at (518) 458-8986 or (800) 634-2340.

Tip: Log in to Connect-24 at www.capcomfcu.org.

Popular technology evolves fast. A few years ago, smartphones and tablet devices were novelties. Today, it seems everyone has one. I am proud to say that CAP COM was well prepared for this evolution. Our dynamic Mobile Banking platform and an easy-to-use mobile website are

great. And, they’re just a beginning. On Page 7, you’ll see a story about Remote Deposit, which will soon let you make check deposits using your smartphone. CAP COM truly has it all, from great branch service to banking in the palm of your hand. Our good news

extends beyond Mobile Banking. On Page 9, you’ll find details of two new low-rate Home Equity Loans that are great for home improvement or lowering monthly bills by consolidating debt. CAP COM offers loans like this to help people get ahead. They are one way we live up to the credit union philosophy of people helping people. But, we don’t stop there. We also celebrate this philosophy by honoring local teens like Jared Goldsmith, a senior at Bethlehem High School. Jared recently won a Making a Difference Award for volunteer work at the Daughters of Sarah Nursing Home in Albany. Jared tells us on Page 2: “Volunteering at the nursing home has given me a chance to brighten the lives of nursing home residents. A small act of kindness can make a big difference.” Discover how CAP COM can make a big difference in your life. Visit, call or check out our website to discover full-service banking, great service and an institution dedicated to the Capital Region community.

Sincerely,

Paula A. Stopera President/CEO

Discover how CAP COM can make a big difference in your life.

President/CEO’s Message

5 | Summer fun at Great Escape! The annual Great Escape FUNday is set for Sunday, Aug. 5. Also, stop in at any branch today to purchase discount Any Day tickets or Season Passes.

May/June ‘12 | 1LINEScontents

Lines of Communication is published bimonthly exclusively for CAP COM Federal Credit Union members.

MELISSA CLEMENT Director of Strategic Marketing

and Innovation

JIM O’CONNELL Marketing Specialist

DEBORAH COLLINS-RAPP Marketing Specialist

ELI FANNING Editor

LAURA REYNOLDS Designer

WILLOW 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.

2 Making a Difference Meet our young award winners.

3 College Bound Set up a free consultation.

4 Youth Program Calendar ValleyCats bat boy/girl contest.

5 Great Escape FUNday, Season Pass and Any Day ticket information.

6 Go Green! Go paperless and reduce clutter.

7 Smartphone banking Mobile Banking with CAP COM.

8 Renovate and renew Access the equity in your home.

10 CAP COM Financial One plan for your retirement.

12 Auto Loans Helping car buyers in L.A.!

13 More than a Mortgage Buying and refinancing with us.

14 CAP COM Cares Get details on our annual golf tournament at Wolferts Roost.

15 Debit Cards at checkout Save with Purchase Rewards.

16 Finding ways to save Save with a Financial Checkup.

2 | May/June ‘12

Our annual Making a Difference Awards celebrate young Capital Region volunteers who embody the credit union philosophy of “people helping people.”

Making a Difference

Haley Korn is a senior at Niskayuna High School. Among other activities, she has volunteered with the Reach Out And Read (ROAR) Program at Schenectady’s Zoller Elementary School. “When I see kids learn to read, it makes me feel like I’ve changed someone’s life for the better,” Haley said. Haley won first place and earned a $1,000 CertifiKID.*

Jared Goldsmith is a senior at Bethlehem High School. He volunteers at the Capital District Humane Association and the Daughters of Sarah Nursing Home in Albany, where he assists with Thursday night bingo games. “Volunteering at the nursing home has given me a chance to brighten the lives of nursing home residents. A small act of kindness can make a big difference,” Jared said. Jared earned second place and won a $500 CertifiKID.*

Mary Bonneau is a senior at Colonie Central High School. She is a long-time volunteer with Parson’s Child and Family Center in Albany and will be making her $100 donation there. “I get along well with the kids at Parson’s. Sometimes that means just listening. When people feel that you care, they feel better about themselves and don’t feel so alone,” Mary said. Mary, who hopes to pursue a degree in nursing, earned third place and won a $300 CertifiKID.*

2013 nominations Awards are made based on nominations from family, teachers and friends. Contact Youth Program Coordinator Danielle Sprague at (518) 458-2195 ext. 3032 or dsprague@capcomfcu.org for more information on nominating a teen for our 2013 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!

Haley KornMary Bonneau

Jared Goldsmith

May/June ‘12 | 3

Take charge of your college journey!Matthew Conti, of Cohoes, was a 2011 winner of CAP COM’s $2,500 Weidner “Ed” Davis Scholarship.

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 Bound features free consultations with our College Planning Specialists along with a range of resources that support parents and students preparing for college.

Set up a free consultation today! Ryan Chenot, Certified College Planning 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

CollegeBound

May/June ‘12 | 3

4 | May/June ‘12

MayValleyCats Bat Boy/Bat Girl Sweepstakes Enter before May 25 to win* a spot on the team during one of 35 home games starting June 20 at Joseph L. Bruno Stadium in Troy. Visit a branch and enter to win:

•PremiumBoxticketsforafamilyoffour. •ATri-CityValleyCatsbaseballcapandT-shirt. •Apre-gamephotographwiththeplayers. •Anintroductiontothecrowd. •Aseatinthedugoutandachancetobeabatboy/girl.*One entry per person. No purchase necessary. 35 winners will be chosen branch-wide on May 31. 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.

JuneSummer Reading Program Kids in grades K to 12 earn up to $15 ($3 per book)* by reading up to five books between June 15 and Sept. 15.

Book entry guidelines •Ages4to8submitadrawingofasceneorthecover. •Ages9to12submita50-wordwrittensummary. •Ages13to17submita100-wordwrittensummary.

Making Reading Program submissions Submit a signed entry form with each set of entries. Find forms here: www.capcomfcu.org/readingprogram.

JulyAt Money & Me Summer Camp kids learn how to manage money. The camp for members age 14 to 18 runs from July 23 to July 27. See Page 5 for details.

School Banking helps kids learn to save by making deposits at school. We partner with nearly 70 local schools and offer online account access and more!

•School Banking Nights and Kits to get your school started.

•Kids earn money each year* with our Great Grades and Reading Program.

Teaching kids to save

>>>CalendarYouth Program

*Must be a CAP COM member to participate. See website or ask an associate for additional details, current rates and disclosure information.

Discover more today!•Call(518)458-2195ext.4656orsend an e-mail to schoolbanking@capcomfcu.org.

•Visitwww.capcomfcu.org/schoolbanking

•Askatanybranchlocation.

*See website or ask an Associate for additional details, current rates and disclosure information. Must be a CAP COM member to participate.

Money & Me Summer Camp Kids learn how to manage money and make it work for them. July 23-27 | 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 12 & 13 9 a.m. - noon

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

May/June ‘12 | 5

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

Include in your RSVP: •Name •Address •E-mailandphonenumber •Numberofattendees •Howyoudiscoveredour workshops

Workshops

CreditUnion

Calendar

Great EscapeStop in at any branch after May 14 to purchase discount tickets to

The Great Escape & Splashwater Kingdom in Lake George.

Season passes are $59.99 and are on sale from May 14 through June 2.

Save $10 plus tax off the regular price*

of a season pass. Beginning May 14, purchase Any Day

tickets for $31 and save almost $19** per adult ticket.

Great Escape FUNday See details at right.

MAY Tuesday, May 22 Most branches open late at 8:45 a.m. due to company-wide staff training. Exceptions include: Latham Branch at 8:30 a.m. Glenmont Branch at 9 a.m. Glens Falls Branch at 9:30 a.m.

Saturday, May 26 & Monday, May 28 Branches closed in observance of Memorial Day.

JUNE Monday, June 11 CAP COM Cares Golf Tournament 10 a.m. at Wolferts Roost Country Club. See Page 14 for details.

Tuesday, June 19 Early closing Main Office and Latham close at 3:30 p.m. Other branches close at 3 p.m. for staff training.

JULY Wednesday, July 4 Closed for Independence Day

AUGUST Sunday, Aug. 5

Great Escape FUNday

Join us at the Lake George park. See our website and July newsletter for ticket sale details.

Allison and James Bartley, of Schenectady, enjoy a Great Escape ride.

*Per-ticket price for purchase of 1-3 season passes. **Based on price for General Admission ticket purchased at the Great Escape.

6 | May/June ‘12

Log in to Connect-24 and click on the Go Green button!

Go Green and get statements faster with eStatements and eNotices. Your CAP COM account documents will arrive via e-mail up to three days sooner than with regular mail. It’s safe, secure and will save paper.

Getting your financial statements electronically can save you more than paper cuts, according to Consumer Reports Money Adviser magazine. While going paperless may not be best for everyone, getting your CAP COM statements and notices electronically offers reduced clutter, more convenience and environmental benefits, according to the magazine.

Download and save Don’t simply look at statements and notices on the web. Download and save statements to your computer for safekeeping and future reference.

Create a filing system Prevent your computer desktop from becoming a cluttered mess by setting up a system of folder and file names.

Save confirmations Whether you’re paying a bill, making a deposit, transferring cash, or performing other financial transactions on the web, save copies of all electronic confirmations.

Tips for managing paperless statements

May/June ‘12 | 7

Mike

Ryan

Theresa

Christie

Bankingwith yoursmartphone

Mobile Banking supports all web-enabled hand-held wireless devices. Simply set your device to www.capcomfcu.org for access to your account.

•Viewaccountbalances •Maketransfersandpaybills •FindthenearestbranchesorATMs(Data charges may apply.)

iPhone App

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

Scan this code to download our Android App or visit Google Play.

Android AppGOmobile!

The smartphone era has arrived. Market research firm Nielsen recently reported that half of mobile phone users now own a smartphone such as the iPhone or Android devices. And, more than two thirds of people buying new devices are choosing smartphones that feature web access and thousands of apps, Nielsen reports.

“A rapidly growing group of CAP COM members are using smartphones for everyday banking. Our Mobile Banking Apps have been well rated so far but we are always looking for ways to improve,” said President/CEO Paula A. Stopera. CAP COM’s Mobile Banking Apps (see below) are great for banking on the go. What’s more, exciting new options will arrive soon!

Coming soon: Remote Deposit!CAP COM’s Remote Deposit will allow you to use a smartphone or computer scanner to capture a check image and make a deposit. With the Remote Deposit App for Android devices and iPhones, you’ll be able to take a picture of most checks and quickly submit the image for deposit using your smartphone. With a computer scanner, check deposits will be just one click away within your Connect-24 Web Banking Account. We’ll unveil more details about Remote Deposit this summer!

8 | March/April ‘12

Renovateand renew

8 | May/June ‘12

Get started on your home improvement projects and so much more! Our Home Equity Loans deliver great features and can help you build a brighter future.

Home Equity Loan features•Lowfixedrateloansfeaturingwithdrawalperiodsuptofouryears. •Lowadjustablerateloansfeaturingwithdrawalperiodsupto20years. •FastandeasyHomeEquitiesfeaturingsame-dayloanapproval. •Loansrangingfrom$10,000to$200,000thatfeaturenopre-paymentpenalties.

The Top Five Our top five ways to use CAP COM Home Equity Loans to build a brighter future.

Renovate and renew by bringing that new kitchen, family room or deck to life. Remodeling can enhance property value!

Consolidate and save by paying off high interest rate credit cards with one money-saving loan.

Pay for tuition. Make a smart plan to pay for your child’s college education.

Bring dreams to life. Make your dream vacation or recreational vehicle a reality.

Be prepared for the unexpected. Use a Home Equity Line of Credit for unexpected expenses.

Our service says it all! CAP COM was named Best in Overall Customer Service in the May issue of Capital Region Living Magazine. We’d like to thank all our members who helped us win this great award by way of write-in votes!

Apply today!•(518)458-2195ext.2924 •www.capcomfcu.org •Visitanybranchlocation

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May/June ‘12 | 9

CAP COM has Home Equity Loan rates as low as

Prime minus 1.25% thereafter*

2.99% APR*

for six months

CAP COM has two new Home Equity Loans featuring same-day approval and flexible withdrawal periods. The new loans are perfect for home improvement projects or consolidating debt at a low rate.

•10-yearfixedrateat3.49%APR**

•15-yearfixedrateat4.25%APR**

Our NEW loans feature:

•Withdrawalsfromyourloanover four years as you need it!

•Convenientpaymentoptions, no pre-payment penalties and loan amounts up to $200,000.

•Localorigination,underwritingand servicing.

Apply today!

•(518)458-2195ext.2924

•www.capcomfcu.org

•Visitanybranchlocation

NEW Home Equity Loans!

*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%infirstmortgagepositionandisavailableforthefirst6monthsofa20-yearvariablerateloan.Otherloanoptions,includinga100%loan-to-valueoption,areavailable.TheinterestrateonthisloanisvariableandwilladjusttoPrimeRateminus1.25%sixmonthsfromthedateofloanoriginationandshalladjusttoPrimeRateminus1.25%annuallythereafterontheloanoriginationdate.Theminimuminterestrateshallnever be less than the Prime Rate in effect at the time of loan origination and the maximum loan rate shall be 18%.Otherrates/termsavailable.Samplepaymentfor2.99%AnnualPercentageRateis$5.54per$1,000.Rates were effective 4/15/12 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.

**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 50%. Other rates/terms available. Sample payment for 3.49% Annual Percentage Rate is $9.89 per $1,000. Sample payment for 4.25% Annual Percentage Rate is $7.52 per $1,000. Rates were effective 4/17/12 and are subject to change without notice. New York State Mortgage Tax and county filing fee will apply. Additional clos-ing costs may apply. Credit Union membership required. CAP COM FCU NMLS Identifier: 401261.

CAP COMFinancial Services (518) 782-0209 | (800) 688-1045 | Fax (518) 782-5433

www.capcomfinancial.com

10 | May/June ‘12

Not NCUA Insured May Lose Value No Credit Union Guarantee

CAP COM Financial Services - Securities 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.

One plan for your retirementMany people change jobs during their career and are left with multiple employer-sponsored retirement plans. Redundant investments and piles of account statements can produce money-management headaches. That’s where CAP COM Financial Services can help. Our Financial Advisors help clients select a rollover IRA1 plan that consolidates assets under one umbrella account. Rollover IRAs offer a precise mix of investments that reflect individual risk tolerance, investment philosophy and financial goals. Discover flexible distribution options and rollover IRA provisions, which offer broader and easier ways to operate within IRS rules and access retirement accounts. CAP COM Financial Services can help you utilize estate planning tools such as the “stretch IRA” and maintain tax-advantaged investments to cover the lifetimes of your beneficiaries. Also, IRS rules allow assets from company-sponsored retirement plans to be rolled into a Roth IRA, which can deliver other estate planning advantages.2

Call us at (518) 782-0209 today to discover more.

“We’ll streamline your investment portfolio into a unified asset allocation plan that provides more flexibility.”

- John Shartrand Chief Investment Officer

1 Restrictions, limitations and fees may apply.2 Provided all qualifying conditions are met. The rollover will be treated as a “conversion” with income taxes due up-front.

Reliable earning powerFixed annuities* offer tax-deferred earning power, a guaranteed source of lifetime income, and protection from market downturns. Call us to learn more!

*Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Guarantees are based on claims-paying ability of the issuer. Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

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

InsurAnCe OPTIONSMay/June ‘12 | 11

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.

Reliable earning power

choice for their

A Single Premium Life Insurance Policy can play an important role in providing for your loved ones. At CAP COM Financial Services, our versatile Single Premium policies can help you: •Counterlossesyoumayhavealreadyexperienced. •Avoidfuturelossesfrommarketvolatility. •Potentiallyincreasethevalueofyourlegacy. •Deliverastrategy1 for a secure future and tax-free wealth transfer options.

Use your assets to purchase a Single Payment Life Insurance Policy with a guaranteed death benefit that exceeds or equals your intended legacy. If you are age 55 or older, talk with us today about a policy.

1There may be tax implications as a result of selling assets within an investment portfolio. If contemplating this strategy, it is important to understand that life insurance is a long-term strategy to meet particular needs and liquidity may be affected. You should consult with us about the tax and legal implications of your situation. Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges or fees that will impact policy values. All guarantees within the policy are based on the claims-paying ability of the issuing company. This strategy is not intended for variable universal life. The death benefit protection offered by a life insurance policy can be a key component of a sound financial plan.

A smartfuture

CAP COM’s Insurance Representatives are your first stop for life insurance and fixed annuities.* Get a lifetime of protection in minutes. Life insurance can protect your loved ones after you’re gone. Fixed annuities offer tax-deferred earning power at competitive rates, a guaranteed source of lifetime income, and protection from market downturns.

CAP COM’s Insurance Representatives

Brunswick Priscilla Luste

Cohoes Brian Townsend

Latham Christine Calacone

Niskayuna Chris Preston

North Greenbush Matt Clement *Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are*1 based on the claims paying ability of the issuing company. Withdrawals madepriorto59½aresubjectto10%IRSpenalty tax and surrender charges may apply.

Here for you

Insurance Representative Chris Preston

12 | May/June ‘12

More car, less paymentCAP COM’s Driving Sense™* Program is a low-payment lease-like alternative with fewer restrictions and no hidden costs. Driving Sense options:

•Sell,tradeorrefinanceyour vehicle anytime.

•Nomoneydownandtermsfrom 24-48 months.

•Availableforvehiclesmodelyear 2009 or newer.

•WorkwithCarBuyerstogetthe best Driving Sense deal.

•Annualmileageoptionsranging from 12,000 to 18,000.

•Nosecuritydepositor acquisition fee.

•Noearlyterminationpenalty.

Discover more today!

•Visitwww.capcomfcu.org •Call(518)458-2195ext.2924 •Visitanybranchlocationtoday!

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

Refinance your car!If your Auto Loan rate is higher than those listed to the left, call CAP COM today to start saving!

Refinance your Auto Loan with rates aslowas2.39%APR* and you could:

•Payoffhigh-interestdebt. •Reducemonthlypayments. •Shortenthetermofyourloan.

Contact our Lending Experts today and ask how you can refinance your Auto Loan.

Save time and money!

CAP COM Auto LoansModel Year Loan Term Rate 2009-2013 60months 2.69%APR*

2009-2013 72months 3.69%APR* 2007-2008 60months 3.19%APR*

Convenient features •Nodownpaymentrequired! •Free30-daypre-approval! •Freebiweeklypayments.Payitofffaster!

Car Buyers Helpline is an independently incorporated subsidiary of CAP COM FCU. *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 4/15/12. Rates subject to change without notice. Visit our website or call for rates and terms. **Auto Loans and Driving Sense options are available to credit qualified members. Driving Sense is offered through a partnership between CAP COM FCU and the Auto Financial Group.

Buying a new or pre-owned car with CAP COM is easy. Choose from our two options and get started today!

Full Service Option Get pre-approved for an Auto Loan** then let our Car Buying Experts find the car you want and schedule a test drive. Then, we’ll negotiate the best price and trade-in value. It’s that easy!

Finance Option Get pre-approved for an Auto Loan or Driving Sense™ lease-like alternative** and go shopping with confidence. See above for more about Driving Sense.

Apply today! •Visitwww.capcomfcu.org •Call(518)458-2195ext.2924 •Visitanybranchlocationtoday!

Let CAP COM do the work for you!

“I live near Los Angeles but CAP COM’s Car Buying Experts helped me get a great deal. They found the Jetta I wanted and negotiated a low price. I picked the car up and drove off happy.” - Jonathan Vorsane, Garden Grove,Calif.

May/June ‘12 | 13

Homebuyers trust CAP COM. Discover Mortgages with these great features:

•NoPMIonselectMortgageprograms. •Littleornoclosingcosts. •Littleornodownpayment. •Localorigination,underwritingandservicing.* •Easyandconvenientapplicationprocessinperson, online or in 15 minutes or less by phone!

Get started today!

•(518)458-2195or(800)468-5500ext.2920 •www.capcomfcu.org •Visitanybranch

Refinance andsaveGet a free analysis from our Licensed Mortgage Experts and find the refinancing solution that is right for you.

• Refinance and lower your Mortgage rate. You could save hundreds on your monthly Mortgage bill.

• Refinance and shorten your Mortgage term. You could save thousands in the long run.

• Refinance and consolidate high-rate debt or pay for a major expense. Refinance for more than you owe and use the difference for anything from home improvement to college tuition.

Start today!

•(518)458-2195or(800)468-5500ext.2920 •www.capcomfcu.org •Visitanybranch

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. Licensed Mortgage Banker - NYS Dept. of Financial Services. CCFCUF NMLS Identifier: 290363. CAP COM FCU NMLS Identifier: 401261. Principal Address: 453 New Karner Road, Albany NY 12205.

*While many of our mortgage products are serviced locally there may be instances where this is not the case. Our mortgage experts can provide you with information regarding the servicing of your particular loan.

Warmth of WineIn March, CAP COM was proud to continue its role as presenting sponsor of the Warmth of Wine fundraiser to benefit Colonie Senior Service Centers. The event has raised more than $200,000 over seven years to help local seniors on fixed incomes with the cost of home heating. More than 375 people, including CAP COM volunteers, gathered at The Century House to support our senior citizens.

Bowl-a-thonCAP COM staff and volunteers got their bowling shoes on to help support the Foundation’s year-round community projects. More than 200 bowlers gathered on a Sunday in March at Uncle Sam Lanes in Troy for the second year in a row. “The commitment and generosity of our staff is at the heart of all our charitable efforts. We raised nearly $4,500 and everyone had a great time,” said Foundation Administrator Theresa Petrone.

14 | March/April ‘12 14 | May/June ‘12

CAP COM President/CEO Paula A. Stopera and scholarship winner Robert Bornhorst stand with

the Goedeke family including Nina Long, Anne Crandall, Art Goedeke, Jr. and Debbie Goedeke.

The late Art Goedeke was a longtime Credit Union member with a passion for computer science and information technology. In 2006 his family set up an annual memorial scholarship of $2,000 to help a student with similar career aspirations. The 2012 winner of the Art Goedeke Scholarship was Robert Bornhorst, of East Nassau. Robert is a graduate of Averill Park High School and attends Rensselaer Polytechnic Institute, where he is majoring in bioinformatics and molecular biology.

Events roundup Art Goedeke Memorial Scholarship

Get your tee time!

Join us at the CAP COM Cares Foundation’s 17th Annual Charity Golf Tournament and help raise money to support our community outreach and scholarship programs.

CAP COM Cares Golf TournamentMonday, June 11 starting at 10 a.m.Wolferts Roost Country Club, Albany

Register to play or sign up as a sponsor! Theresa PetroneFoundation Administrator(518) 458-2195 ext. 3553tpetrone@capcomfcu.org

May/June ‘12 | 15

In the spotlight

TOP Support Bob Bascom Regulatory Compliance Officer Main Office 19 years of service

TOP Service Noreen Connor Client Services Associate CAP COM Financial Services Main Office 11 years of service

In March, CAP COM recognized employees for outstanding efforts in support of members and fellow employees with TOP Awards.

Paying with your CAP COM VISA® Debit Card is fast, easy and secure. And, in some cases, you can redeem Purchase Rewards and enjoy discounts.

Pay with your Debit Card Use your Debit Card at checkout – in person, online or over the phone. It’s fast, easy and secure. And, most purchases enjoy VISA’s Zero Liability Protection.* Also, you can get cash back at checkout for no fee at select retailers – a great ATM alternative.

Discounts tailored to you! CAP COM’s new Purchase Rewards Program**

features online and in-store discounts tailored to you. Find Purchase Rewards on the web on our Connect-24 Home Page! Add Purchase Rewards to your CAP COM VISA® Debit Card in Connect-24 by clicking on offers. Then, use your Debit Card at checkout to activate discount offers. Purchase Rewards discounts are not applied at checkout, they are deposited to your account the month after your purchase.

*Zero Liability Protection excludes ATM transactions and non-VISA-branded transactions. **Please read Purchase Reward offer details within Connect-24 for offer redemption information. To see redeemed offers or the total value of redeemed offers, please visit the rewards summary page in Connect -24. Personal information will not be shared with retailers.

TOP Sales June Faragon Loan Officer Main Office 22 years of service

Leadership Award Julie Hughes Risk Manager Main Office 14 years of service

YourDebit Cardat checkout

Bob

Julie

Noreen

June

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 8:30 a.m. - 12:30 p.m. Drive Thrus 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.

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 Glens Falls 8 Glens Falls Tech Park New Glens Falls hours start June 4: Monday to Friday 8:30 a.m. to 4:30 p.m. Latham 4 Century Hill Drive Niskayuna 582 Balltown Road North Greenbush 233 Route 4

ATM LOCATIONS Clifton Park Food Court, Clifton Park Center

Waterford (Limited branch hours) 260 Hudson River 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.

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

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

At a glance

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*Initial fee is $2 and CAP COM will reimburse members $1 for each withdrawal within 24 hours.

Saving money could take five minutesOur Five Minute Financial Checkup has saved some members more than $500 per month!* Stop in at any branch location or call us at (518) 458-2195 and speak with a helpful CAP COM Associate. Discover our real-world strategies to reduce monthly expenses.

Strategies to save

• Reduce your debt. Consolidate high-rate debt into a single CAP COM loan. Find more tools and calculators at www.capcomfcu.org. • Save with automatic withdrawals. Set aside a small amount from each paycheck using a scheduled transfer in our Connect-24 web banking system. • Set up a unique Member Choice Savings Account with a personalized account name. Set aside money for bills or save for a special purchase!

•Call(518)458-2195or(800)468-5500 •AskanAssociateatanybranchlocation

* CAP COM FCU cannot guarantee that Financial Checkups will help all individuals realize saving.

Get your Five Minute Financial Checkup today!

DiscountsMember Company

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-sitepresentationsaboutCAPCOMbenefits. •Educationalworkshopsatyourlocation. •UniquepromotionsexclusivelyforourMemberCompanies. •AsummervisitfromtheCAPCOMIceCreamVan.

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. Program effective as of 2/1/10 and updated as of 4/15/12. Credit Union 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 or cancellation without notice.

Total Service ProGet 10% off house, roof and window washing

Get10%offroofwashing,powerwashingandwindowcleaning.Total Service Pro covers the Capital Region and specializes in washing roofs, decks, patios and all types of siding. Call (518) 877-9274 or visit www.877wash.com for more information.

Tri-City ValleyCats 15% off at the team storeGet15%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 18! See our Bat Boy/Bat Girl Sweepstakes on Page 4! 1Cannot be combined with other discounts.

Saving money could take five minutes

PRSRT STD U.S. Postage

PAID Albany, NY Permit #186

18 Computer Drive East Albany, NY 12205-1168

Log in to Connect-24 and click on the Go Green button!

Go Green and get statements faster with eStatements and eNotices. Your CAP COM account documents will arrive via e-mail up to three days sooner than with regular mail. It’s safe, secure and will save paper.

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