Lines of Communication September/October

Linesof Communication

September/October 2010 Volume 26 Number 5

Inside: For one Colonie mom, Youth Accounts are teaching tools | 5 COMING SOON! Brunswick Branch | 12

Carconnectionbuying

CAP COMs Howie SilvermanMemb

er Bill Conn

olly

Q: Im thinking about refinancing my mortgage. Where should I start?

Refinance with the expertsGet answers from our mortgage professionals

Chris McKenna is CAP COM FCUs mortgage expert. He is dedicated to administering refinanced and new mortgages that are serviced locally.

A: First, talk with someone you trust. Make an appointment with a CAP COM representative or attend our upcoming workshop on Sept. 21 to start the conversation with a licensed mortgage professional. Well map out a strategy based on your short- and long-term plans. Well help you determine if you can save money over time by refinancing at a lower interest rate today. That includes an estimate of new closing costs associated with refinancing.

CAP COM offers trained and licensed mortgage professionals who will provide you with an honest assessment that includes any hidden costs such as origination fees. Then, well compare the savings to your unique plans and financial goals. Well find ways for you to save money over time. And the best part is: Talking with us wont cost you anything. Our expert consultation is free.Contact us today.

CAP COM Mortgage Department(518) 458-2195 ext. 2924web.capcomfcu.org/homeloans

Money Saving Home Refinancing Workshop!In less than an hour, youll get helpful insider tips from our mortgage professionals. Learn how you can save money while rates are at near-record lows. Our licensed mortgage professionals will reveal such tips as understanding cost-to-benefit ratios for refinancing and learning what types of debt to fold in with your new loan. Attend and be entered to win a $50 Lowes gift card.*

Sept. 21, 2010 | 6:15 7:15 p.m.Main Office Doors open at 5:30 p.m. Save your seat! RSVP today:Call: (518) 458-2195 ext. 3168E-mail: [email protected] Web: capcomfcu.org

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*No purchase necessary. CCFCU employees, volunteers and their families are not eligible. Prizes $20 and over in value may require the issuance of a year-end 1099 form from CCFCU. If the winner does not claim the gift card by Oct. 21, 2010 it will be forfeited. You must be present to win.

Chris McKenna Vice President of MorPAC

CAP COM FCU will not be held liable in relation to any home purchase/refiance information or advice provided by MorPAC. MorPAC is a subsidiary of CCFCU.

I recently got a letter from faithful, long-distance members Bill and Tiffany Connolly, who live about two hours south of Albany in Ulster County. The letter praised CAP COMs Howie Silverman and Car Buyers Helpline expert Shoshannah Frank for outstanding service. As youll read on Pages 6 and 7, Bill and Tiffany contacted the Car Buyers Helpline about buying a pickup truck and, in just a few days, were at a dealership, taking a test drive and securing a great low-rate Auto Loan from CAP COM. In their letter, Bill and Tiffany write: Youll want to be a CAP COM member simply for the great rates and excellent customer service. But our appreciation goes beyond that. CAP COM really has reached a level that few companies ever achieve. Our services and products range far beyond car buying and Auto Loans.

On Page 10, youll hear from Jeuillie Keegan, who recently switched her Checking Account to CAP COM. Jeuillie tells us: When I walked in the door for the first time, I was met with a smile. CAP COM was eager to engage me immediately. Jeuillies experience at our Colonie Branch on New Karner Road is very common. We work hard to deliver great in-person service.

And, as youll read on Page 12, that unique service will soon have a new home in our Brunswick Branch on Hoosick Road. We are all excited for the October debut of this convenient branch in the heart of Rensselaer County. The CAP COM of today can truly meet all your needs. Just ask the Mele family of Colonie. The familys six children are CAP COM members and the oldest, Sarah, is a CAP COM Cares Foundation scholarship winner. Sarah and her siblings use our unique parent-child Youth Account options ranging from our Great Grades Savings Program to our College Bound Program. We take pride in the stories of all our members those from downstate to those living in the greater Capital Region; from our young members to active professionals; from the longtime faithful to the newly welcomed. I invite you to read through these stories and ask yourself: Where will my CAP COM story go next?

Sincerely,

Paula A. StoperaPresident/CEO

LINEScontents

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

ED BEHAN Marketing Manager MELINA IACOVONE Marketing Coordinator 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.

2 Member Courtesy Pay NEW overdraft protection options for the times you need them most.

3 Workshops Make plans to attend one of our great workshops. Get ahead today.

4 College Bound College planning expert Kim Donah answers your questions.

5 Planning for their future For Colonie mom Christine Mele, our Youth Accounts are teaching tools.

6 Car buying connection An Ulster County couple discovers our great car buying services.

8 Our Foundation at work Join us Oct. 17 for the Making Strides Against Breast Cancer walk.

10 Making the SWITCH! Making the SWITCH to CAP COM. PLUS: New look for Connect-24.

11 CAP COM Financial Converting to a Roth IRA. ALSO: Considering a fixed annuity.

12 COMING SOON! Brunswick New Brunswick Branch on Hoosick Road set to open in October.

PRESIdENT/CEOS MESSAGE

By Paula A. Stopera

September/October 10 | 1

I invite you to read through these stories and ask yourself: Where will my CAP COM story go next?

Find us on Facebook. Get a first look at special offers and tips on upcoming events and workshops.

Member Courtesy Pay and Member Courtesy Pay Plus offer members who opt in up to $500* in overdraft protection. Member Courtesy Pay covers checks and preauthorized deductions (ACH withdrawals). The Plus package includes all of the features of Member Courtesy Pay, but also protects your Debit Card purchases and ATM transactions. As of Aug. 15, checks, ATM withdrawals and Debit Card payments without Member Courtesy Pay may be declined. Members can go online, call or ask at a branch to complete an opt-in form. This service will help members avoid the embarrassment of an unexpectedly declined transaction or returned check. Youll be opting in for peace of mind, said Director of Operations Support Lena Wilkins.

After you opt in, the Credit Union will pay your overdraft transactions up to $500.* A $25 Member Courtesy Pay fee will be assessed for each transaction. Members will be notified by e-mail or postal mail after each Member Courtesy Pay transaction. CAP COM also has overdraft plans including a Checking Account Line-of-Credit and Transfer-from-Savings options. Even if you have these overdraft options, Member Courtesy Pay is an important added line of protection. At the ATM: ATM withdrawals will access your overdraft reserves to provide cash. However, Checking Account balances reported at ATMs will not include overdraft reserve amounts.

Member Courtesy Pay The extra money to keep you moving forward!

Sign up today! web.capcomfcu.org/courtesy-pay Call us at (518) 458-2195 and select option 5 Stop by any branch

2 | September/October 10

CAP COM has rolled out two NEW Member Courtesy Pay options to protect you from facing returned checks due to insufficient funds or being declined during VISA Debit Card transactions.

* Accounts must be in good standing in order to be eligible for Member Courtesy Pay. Member Courtesy Pay works like a Checking Account Line-of-Credit, however Member Courtesy Pay balances must be paid in full within 45 days. For new Checking Accounts, members can opt in for $100 Member Courtesy Pay overdraft protection during the first 90 days. After 90 days and upon meeting account eligibility qualifications, members may request that the overdraft amount be increased to $500. Members who opt in for Member Courtesy Pay and have Checking Accounts older than 90 days can immediately request up to $500 in overdraft protection. Overdraft protection amounts will remain at $500 for Member Courtesy Pay plans set up prior to Aug. 18, 2010, unless you are otherwise notified. Member Courtesy Pay coverage is available for all Checking Accounts, including Youth Checking Accounts for members age 18 to 23. There is a $100 maximum overdraft protection amount for Youth Checking Accounts.

CAP COM FCU hosts informational workshops on topics that matter to you. Doors open a half hour before each workshop; reservations are required. Unless otherwise indicated, workshops are free.

July/August 10 | 3

TEENS ANd yOuNG AduLTSCollege Essay WritingLearn to craft an essay that gets noticed. Limited seating for each session. Reserve your spot today!

Sept. 14, 21 & 28 | 6-8 p.m. Oct. 13, 20 & 27 | 6-8 p.m. Nov. 3 &10 | 6-8 p.m.Latham Branch 4 Century Hill Drive ($60 fee)

dollars & Sense Budgeting for young AdultsThis two-hour session for members age 18-25 provides valuable tips on setting financial goals, developing a basic budget and strategies for staying within an established budget. And, the best part is its free!

Sept. 23 | 6-8 p.m.Training Center 18 Computer Drive East, Albany

College AdmissionsHigh school seniors and parents get tips about the admissions process.

Oct. 5 | 6:30-8:30 p.m. The Century House Route 9 in Latham

dollars & Sense Budgeting: High School EditionThis two-hour session provides valuable tips for high-school-age members on setting financial goals, developing a basic budget and strategies for staying within an established budget. And, the best part is its free!

Oct. 26 | 6-8 p.m.Training Center 18 Computer Drive East, Albany

Workshops

Workshop RSVP (518) 458-2195 ext. 3168 [email protected] capcomfcu.org

Include in your RSVP: Name Address E-mail and phone number Number of attendees Tell us how you heard about our workshops.

Money Saving Home Refinancing WorkshopIf youre thinking that this is the time to refinance, weve got the information you need.

Sept. 21 | 6:15-7:15 p.m. Doors open at 5:30 p.m. Training Center 18 Computer Drive East, Albany

Online Bill PaymentLearn how to set up and use this convenient program.

Sept. 28 | 6-8 p.m.Training Center 18 Computer Drive East, Albany

Basic BudgetingLearn to establish a budget and stay within spending boundaries.

Oct. 7 | 6-8 p.m.Training Center 18 Computer Drive East, Albany


Important DatesSEPTEMBER 4 & 6 ClosedLabor Day holiday

14 Opening late Branches open at 9:30 a.m. due to company-wide staff training.

OCTOBER 11 ClosedColumbus Day holiday

17 Strides walkStrides walk to promote breast cancer awareness starts at noon in Albanys Washington Park.

NOVEMBER 11 ClosedVeterans Day holiday

16 Opening late Branches open at 9:30 a.m. due to company-wide staff training.

25 ClosedThanksgiving Day holiday

Protecting members from fraud is a critical piece of our mission. Below are tips to help you avoid fraud:

Check capcomfcu.org for regular security alerts. Never provide personal or financial information in response to an e-mail, text message or phone call. Do not open unsolicited e-mails simply delete them. Never buy anything marketed by spam e-mail messaging or click on links within an unsolicited e-mail.

Tips to stop fraud

We are rolling out important changes to our VISA Gift Card program. Cards can be purchased* at any branch but are no longer offered online. Of course, they still make a great gift!

*Gift cards include a $5 processing fee.

VISA Gift Cards

Q: My child is starting their senior year in high school. What should I do today to prepare for the upcoming college admissions process?

A: Senior year is an exciting time for many students. Its the culmination of a long journey. Yet, its also a time when parents and students should be preparing for the upcoming college experience. The College Bound Program at CAP COM FCU can help you get ahead. Make time for our upcoming College Admissions and College Essay Writing workshops. The two workshops feature expert advice from our partner consultants at admissions1 and will lead students along a path to success. The College Admissions Workshop will provide an overview and useful tips for parents and seniors. Join me Oct. 5 from 6:30-8:30 p.m. at The Century House in Latham. Attend and enter to win one of three $50 VISA Gift Cards.* In our College Essay Writing** Workshop, students learn to write essays that get noticed. Limited-seating sessions are from 6-8 p.m. at the Latham Branch. Weve got eight upcoming workshops. Find workshop dates and RSVP information on Page 3.

For information and answers to your college questions, please contact: Kim Donah, College Bound Specialist (518) 458-2195 ext. 3106 [email protected] web.capcomfcu.org/collegebound


Open a youth Account today!

CAP COM FCUs Youth Accounts are available for children from birth to age 17. Adult Credit Union members can open Youth Accounts for children, grandchildren, nieces and nephews. Call, go online or visit a branch to open a Youth Account (see Page 5). Please note: Youll need the childs Social Security number for new accounts. For teens, our Young Adult Checking Account is a great option. It features unlimited free* ATM withdrawals at any ATM worldwide and no minimum balance. Also, youll get a wallet-size check register with a new account. Teens 15-17 can open a Young Adult Checking Account with a parent or guardian as a joint owner. Our Great Grades Program allows students through high school to earn $10 per quarter ($40 per year) for report cards they are proud of.

Great Grades deadlines: 2010: Dec. 10 2011: Feb. 26, April 30 and July 30

Please include the childs account number on all submissions.

Fax: (518) 458-6659 Drop off at any branch Mail to: CAP COM FCU ATTN: Great Grades 18 Computer Drive East Albany, NY 12205 *CCFCU will reimburse members with a Young Adult Checking Account (ages 15-22) for any ATM surcharge or foreign transaction fee.

Q&A with KimHelping parents and teens plan for college.

*No purchase necessary. CCFCU employees, volunteers and their families are not eligible. Prizes $20 and over in value may require the issuance of a year-end 1099 form from CCFCU. If the winner does not claim the gift card by Nov. 5, 2010 it will be forfeited. You must be present to win.

**A $60 fee applies.

College BoundThe College Bound Program offers unique products, services, workshops and staff dedicated to helping families through the college process. College Bound is the gateway to our Foundation scholarships and features Home Equity Loans and Academic Advantage Loans up to $50,000, if credit qualified. Our partners, admissions1 educational consultants, have more than 20 years of higher education experience and can help your child find the right college.

Kim Donah College Bound Specialist

July/August 10 | 5

For Colonie mom Christine Mele, CAP COMs Youth Accounts are a teaching tool. Its important for children to learn how to budget and save. They need to learn those skills before they start earning money, Christine said. The oldest of the six Mele children, Sarah, is now in her first year at Northeastern University in Boston. She was the first to sign up for a CAP COM Youth Account. Brother James, now a senior at South Colonie High School, soon got his own Young Adult Checking Account. Now, he and Sarah look at their accounts online. They can see how much they have and how much they need to save, Christine said. Christine first learned of CAP COMs teen options at a South Colonie High School Dollars for Scholars event two years ago. This year, Sarah won a $2,500 Weidner Ed Davis Scholarship from our Foundation.

The younger Mele siblings, ages 4 to 13, are enrolled in our Great Grades and seasonal Reading Programs. The Reading Programs give kids $3 Saving Account deposits for up to five short book summaries or drawings they submit. I wish someone paid me to read when I was young! I read so many books over the summer, Sarah said.

Planning for their future

The Mele family at CAP COMs Main Office. From left: Ryan, James, Melissa, Laura, Sophie, Christine and Sarah.


Open a youth Account today!

(518) 458-2195 Enroll at capcomfcu.org Visit a branch

Carie Sala, Youth Coordinator

Bill and Tiffany Connolly are faithful, long-distance

members from Ulster County. They recently set out

to buy a pickup truck using the Car Buyers Helpline.

They called Shoshannah Frank at the Car Buyers

Helpline and began narrowing their choices and later

located several pickups. Two days later, an Albany dealer had a new Chevy

Silverado ready. It was a whirlwind! We were at the dealer by 4 p.m.

on the day we found the truck. We were back at the Main

Branch just before closing time, Bill and Tiffany said.

Carconnectionbuying


CAP COM Associate Howie Silverman helped the couple complete Auto Loan forms and applications. Meanwhile, the truck dealer faxed final documents. Having someone stay after their shift to help a customer for even a few minutes is almost unheard of, but not at CAP COM, Bill and Tiffany said.

After signing off on a great low-rate Auto Loan, Bill and Tiffany returned to the dealer and drove off with their new truck. Car Buyers Helpline and CAP COM took all the legwork out of the equation. It was professional, direct and easy, Bill and Tiffany said.

Find the right vehicleCar Buyers Helpline (518) 383-8924 or (800) 836-4333 carbuyershelpline.com Get low-rate financing CAP COM Lending Support (518) 458-2195 or (800) 468-5500 ext. 2924 web.capcomfcu.org/autoloans Visit one of our branches

Travelers Auto Insurance Call Travelers at (800) 842-5936 web.capcomfcu.org/insurance

* 0% financing will apply for three months from date of dispersal. For example, a loan disbursed Sept. 15, 2010 will have a promotional period through Dec. 15, when it would convert to the interest rate at the time of the application. Payments are required each month during the promotional period. ** Annual Percentage Rate. All rates quoted are for individuals with excellent credit and sustainable income who select our Automatic Payment Plan. Rate applies to a new auto loan with a 2-year term (2008-2011). Sample payment for 3.49% is $29.30 per $1,000. Rate is accurate as of Aug. 17, 2010. The Credit Union will not be held liable in relation to any car buying information or advice provided by Car Buyers Helpline. Car Buyers Helpline is a subsidiary of CCFCU. *** CAP COM Federal Credit Union does not warrant, guarantee or insure any service or product offered by any insurance companies. CCFCU and Travelers are separate entities.


CAP CO

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Member Bill Connolly near

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Special low group rates for CAP COM members from the Travelers!*** Save on Auto Insurance and more!

Call today! (800) 842-5936


Get ready for the Calendar of Dreams

FoundationCAP COM Cares

Stepping up: Teens win scholarships

The Foundation awarded $45,000 to 18 Capital Region students and Credit Union members at a recent scholarship celebration. The annual Weidner Ed Davis Scholarship and Harold Horning Scholarship winners each won $2,500. Some of the winners are pictured above.

In the top row, from left: Patrick Murphy, Amanda Carney, Tracey Koch, Taylor Carey, Laura Kowalczyk, Lauren Livolsi, Sarah Mele, Samantha Matthews, Elecia Druba and David Stopera. In the bottom row, from left: Joseph Paradiso, Adam Rozniewski and Jeffrey Ruderman.

The 2011 Calendar of Dreams will be available online and at branch locations in October. The calendar will chronicle CAP COM Cares Foundation events in 2010. But our Calendar is more than just a look back at 2010s highlights. Buying a $25 calendar helps support our charitable Foundation and gives you a chance to win $25 to $250 each day! Each calendar has a three-digit number imprinted on the bottom. If your calendar number matches the evening New York State Daily Numbers Pick 3 drawing, you win a cash prize for that day. Good luck! Payouts include: $25 for weekday winners $50 for weekend winners $100 and $250 prizes are available during selected holidays throughout the year

CAP COM is one of the proud sponsors of the 15th Annual Making Strides Against Breast Cancer walk, along with the American Cancer Society. We invite you to join us on Sunday, Oct. 17 in Albanys Washington Park, where thousands will rally to boost awareness, education and fundraising for breast cancer research.

Registration is from 10 a.m. to noon. The 5K (3 miles) walk begins at noon.

Register with the CAP COM Team!

Visit capcomfcu.org Visit any CAP COM branch Contact Sharon Phillips at (518) 458-2195 ext. 3247 or [email protected]

Join us Oct. 17 at Strides!

CAP COM President/CEO Paula A. Stopera and her son, Alex, at the 2009 Strides walk.


Foundation volunteers recently helped children at Albanys Marillac Family Shelter enjoy their first horseback ride, savor ice cream treats, and take stock of new backpacks filled with essential school supplies. The annual event brings community partners together and creates fun and laughter for families living at the shelter. The children and volunteers played sports and made new friends. As part of our annual Back to School Backpack Program, our Foundation brings 250 backpacks to Capital Region organizations like Marillac that support children and families in need. Making memories and helping young students get a strong start to their school year is an important piece of our Foundations community impact.

Summer fun and a fresh start for school


In October well be rolling out a new look for our

Connect-24 Internet banking system designed to give

members a comprehensive overview of their finances.

The new home page will help you make better

decisions, save money and reach your financial goals

by integrating FinanceWorks spending charts with the

account overview page. Many design changes stemmed

from member feedback from our recent online survey.

The new home page will allow you to quickly transfer

money and pay bills. A new Account History page will

deliver easier transaction browsing. Just in case, weve

created an option to shift back to older page designs.

Watch for more information about our new

Connect-24 layout in the coming weeks!

Keep an eye out for Connect-24s new look

Making the SWITCH! Join the thousands who have discovered CAP COM

CAP COM Checking Accounts

Earn and redeem CU Rewards Points with our FREE VISA Debit Card. Pay bills and access account activity, check copies and statements within our secure Connect-24 web banking system. With Mobile Banking, you can use a hand-held wireless device* to get real-time access to your account. A network of 30,000 ATMs and an online tool to help you find them. Also, get up to 10 free withdrawals per month at ATMs outside of our network. Overdraft options for your peace of mind!

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

Jeuillie Keegan recently switched to CAP COM. So far, shes impressed with the home banking options offered online with Connect-24. What I really like is that everything will tie together. I will be able to transfer money between accounts and pay bills, Jeuillie said. CAP COM Associate Kim Rexford helped Jeuillie make the SWITCH. When I walked in the door for the first time, I was met with a smile. CAP COM was eager to engage me immediately. Even before Kim walked me through the online banking, I liked the hometown feel of banking with a credit union that truly cares about their members, Jeuillie said.

Tying it together

capcomfcu.org/switch (518) 458-2195 or (800) 468-5500 Visit any branch

CAP COMs Kim Rexford, at left, and new member Jeuillie Keegan.

A screen shot of Connect-24s planned new home page.

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

Not NCUA Insured May Lose Value No Credit Union Guarantee


Converting to a Roth IRA WORKSHOPSRoth IRA 2010: Americas Newest Tax Break*Find the benefits of a Roth IRA conversion.

Sept. 30 | 10-11:30 a.m. & 5:30-7 p.m.Training Center 18 Computer Drive East, Albany 21st Century Retirement: Strategies for Managing Retirement Income**Learn more about critical strategies to help ensure that you wont outlive your assets.

Oct. 28 | 10-11:30 a.m. & 5:30-7 p.m.Training Center 18 Computer Drive East, Albany To RSVP, call (518) 782-0209or send an e-mail to [email protected]

*Investors should discuss tax-related strategies with a qualified tax advisor. **There is no guarantee that the strategies discussed will be successful.

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

Securing your futureFixed annuities* offer tax-deferred earning power, a guaranteed source of lifetime income, and protection from market downturns at competitive rates. Ask an Advisor about fixed annuity rates today! Call us at (518) 782-0209.

*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 based on the claims paying ability of the issuing company. Withdrawals made prior to 59 are subject to 10% IRS penalty tax and surrender charges may apply.

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 Capital Communications Federal Credit Union. CAP COM Financial Services and Capital Communications 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.

1IRA account holders (both traditional and Roth) may make qualified withdrawals before age 59 only if they meet specific criteria established by the IRS (disability, qualified first-time homebuyer and others). Consult www.irs.gov for additional information. This article was first prepared by Standard & Poors Financial Communications and is not intended to provide specific investment advice or recommendations for any individual. Consult your financial advisor if you have any questions.

Prior to 2010, retirement investors could convert a traditional IRA to a Roth IRA only if their modified adjusted gross income was less than $100,000. Starting this year, all investors, regardless of income, can convert to a Roth IRA. In addition, tax payments resulting from a conversion made in 2010 can be spread over two years, which may lessen the tax bite. Conversion advantages will differ among investors and critical factors that need to be considered include: expected retirement income, age, and future tax rates.

Our Advisors will also review benefits like tax-free withdrawals on qualified distributions1 or a sustained investment plan leading to larger sums to bequeath to heirs. Well help you find a prudent strategy for your financial future.

Steven Massey, Director of Advisory Services

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: 8 a.m. - 5 p.m. Thurs & Fri: 8 a.m. - 6 p.m. Sat: 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

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

Coming Fall 2010799 Hoosick Road Brunswick

OTHER ATM LOCATIONS Clifton Park Food Court, Clifton Park Center

Waterford260 Hudson River Road

Other surcharge-free options SUM Networks COOP ATM

To find the ATM nearest you, visit capcomfcu.org and choose Locations/ATMs on our home page. Then, click on Branch/ATM Locator.

WEB BANKING capcomfcu.org Secure online banking

capcomfcu.mobi Mobile device banking


COMING SOON! Brunswick BranchCAP COM will open its 10th Capital Region branch at 799 Hoosick Road (Route 7) in Brunswick in October. The branch will be located on the site of the former Action Subaru dealership near Rensselaer Honda. At CAP COM, we often say: Before we put up branches, we put down roots. Weve recently worked with Rensselaer County community groups like Seton Health and the Brunswick Little League. And today, we are excited to bring our distinct brand of member service to a new community, said Brunswick Branch Manager Barb Borter. Like many of our branches, the Brunswick Branch will feature a childrens play area, a member computer station and photocopier, a free coin machine, and a complimentary coffee and tea station. Well see you soon!

Brunswick Branch Manager Barb Borter

Employees Spotlight

TOP Support Theresa Trietiak Talent Acquisition Specialist Main Office 2 years of service

CAP COM believes in recognizing employees for outstanding efforts in support of members and fellow employees. In June, the Credit Union recognized a manager with a Leadership Award and three staff members with TOP Awards.

Member Company SpotlightProviding children with an education that fosters excellence, creativity, responsibility, citizenship and lifelong learning is the mission of the Brunswick (Brittonkill) Central School District. Located seven miles east of Troy, the districts schools serve the towns of Brunswick, Pittstown, Grafton, Poestenkill and Schaghticoke. The district enjoys strong community support and the schools are a community focal point. The districts main Tamarac campus on Route 2 is home to approximately 1,350 students. Tamarac Elementary offers a rigorous and exciting curriculum with class sizes ranging from 18 to 21 pupils. Tamarac Middle School provides a coordinated and consistent approach to all aspects of curricula, including a mentoring program offering students additional support. Tamarac High School offers a wide range of courses for students, who are held to high expectations. The high school exceeds statewide graduation rates and has sent recent graduates off to colleges such as RPI and Cornell.

COMING SOON! Brunswick Branch

Tamarac High School students Jaclyn Waters and Jacob Shipley perform a song from the musical Anything Goes.

TOP ServiceKim Ingoglia Call Center & E-Commerce Associate Main Office 16 years of service

Leadership Award Jill Prusky Branch Manager Niskayuna Branch 2 years of service

TOP SalesCarie Sala Public Relations Administrator & Youth/Foundation Coordinator Main Office 6 years of service

PRSRT STD U.S. Postage

PAID Albany, NY Permit #186

18 Computer Drive East Albany, NY 12205-1168

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Home Loans as low as 2.99%APR*Our unique low-rate Home Loans cover all your needs from home buying to home improvement to debt consolidation. We have money-saving mortgage refinancing options and an all-new workshop to help you get ahead! Find out more inside!

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*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% is $5.54 per $1,000. Rates were effective Aug. 6, 2010 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.

Lines of Communication September/October

Documents

Transcript of Lines of Communication September/October