Linesof Communication

January/February 2011 Volume 27 • Number 1

Our

TOPemployeesReady to help. Prepared to inspire.

Inside: • CAP COM’s biggest fan | 3 • College Bound answers | 4

Walt Huba joined by his dog, Hudson, in his remodeled kitchen.

Get on track to your first home

If you’re planning to buy a house, CAP COM can get you on the right track from the start.

Let us be your guide – from targeting an affordable price range to checking your credit status. When you’re ready to buy, we’ll be ready to make your first home a reality.

Call, go online or visit a convenient CAP COM branch.

FIRST-TIME HOMEBUYERS WORKSHOP: Don’t miss our FREE workshop at our Main Office on March 24. See Page 8 for details.

Savings add up with Free After Five®

Our new Free After Five Program1 gives members with five years of on-time payments a chance to eliminate monthly mortgage insurance premiums, also called PMI payments.

No real estate appraisal will be required and coverage will remain active until your mortgage’s loan-to-value reaches 78%.

How to save $4,335!2

A member with a $200,000 home and a 30-year mortgage could have an $85 monthly mortgage insurance payment.

After five years (60 months) of on-time payments, our Free After Five Program would eliminate that bill – avoiding 51 future payments totaling $4,335.1Offered in partnership with the Radian Group.2Example shows a member with a FICO score of 740 who paid 5% down on a fixed-rate $200,000 home mortgage.

MorPAC is an independently incorporated and separately operated subsidiary of CAP COM Federal Credit Union. CAP COM Federal Credit Union shall not be held liable in relation to any information or advice provided by its independent subsidiaries.

Chris McKennaChief Mortgage Officer

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

I believe the New Year will be one of progress for CAP COM members. That belief is rooted in CAP COM’s eventful 2010. Last year, we opened our 10th branch on Hoosick Road in Brunswick and expanded our Mortgage Department with the addition of MorPAC (Mortgage Processing Assistance Center, LLC.). Today, our MorPAC mortgage experts can discuss lending options for all stages of life: From first-time homebuyers seeking VA or FHA loans (see page at left) to seniors considering Reverse Mortgages.

Drop by any of our convenient branch locations and discover the benefits of our expanded service. Our unique Five-Minute Financial Checkup can reveal options you never thought possible. Remember the story of Mike McGarry, a

homeowner from Saratoga County who dropped by our Latham Branch last spring to get a $50 advance from his son’s Academic Advantage Loan. He happened to ask a Branch Associate about a low-rate Home Loan and was soon on his way to saving $700 per month with a new “life-changing” Home Loan. No matter what stage of life you’re at, we can help. Just ask 10-year-old CAP COM fan Jakub Hann, who convinced his parents to join the Credit Union. As you’ll read on Page 3, Jakub tells us: “I did not think it was fair for [my parents] to be treated like a number while I was being treated like royalty.” The Hann family lives near our Niskayuna Branch. Jakub and his parents, Violette and Robert, felt welcomed when they first visited the branch to open a Youth Account. Violette told us she “felt a warm feeling as soon as we came in.” So, as the New Year begins, make plans to call or drop by for a Five-Minute Financial Checkup. Or, just stop in at any branch to warm up with a free hot chocolate or coffee. From the small details to the big picture, we can help you make progress in 2011!

Sincerely,

Paula A. StoperaPresident/CEO

LINEScontents

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

CANDACE STAZIO Marketing Manager MELINA IACOvONE Marketing Specialist CARRAH DALEY Marketing Specialist 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.

3 CAP COM’s biggest fan Young Jakub Hann says he’s “treated like royalty.” PLUS: Youth calendar.

4 College Bound Program CAP COM’s Kim Donah on paying for college. PLUS: Workshops.

5 Special Travelers rates Expand your insurance protection. PLUS: Tips for avoiding fraud.

6 Our TOP employees Making CAP COM a leader in member service. PLUS: Our 7th straight Best Places to Work award.

8 Workshops Workshop dates and RSVP details. PLUS: Mobile Banking.

9 Our Foundation at work Brightening the holidays for families in need.

10 CAP COM Financial Streamline retirement planning. PLUS: Workshops to get ahead.

11 Annual Meeting Meet three candidates for our Board of Directors.

12 Savings for the New Year Discover our great Certificate rates.

PrESIdENT/CEO’S MESSAGE

By Paula A. Stopera

January/February ‘11 | 1

From the small details to the big picture, we can help you make progress in 2011!

discover CAP COM’s great Certificate rates.

With terms from three to 60 months, our Certificates can match your savings strategy. See Page 12 for details.

CalendarYouth Program

January Earn cash for winter reading

Read up to five books between Jan. 1 and March 31 and earn up to $15 ($3 per book) in our Winter Reading Program! The program is for CAP COM members age 4 to 17. Submit names of books read along with age-appropriate drawings or book summaries. Each submission must be signed by a parent or guardian.

For each book, submit: • Ages 4-8: Drawing of a scene • Ages 9-12: 50-word written summary • Ages 13-17: 100-word summary

Send it to: CAP COM Federal Credit Union Attn: Theresa Petrone 18 Computer Drive East Albany, NY 12205

Learn more at www.capcomfcu.org or by contacting Public Relations Specialist Theresa Petrone at (518) 458-2195.

A drawing by Lily Evers, of Glenmont, inspired by Amber the Orange Fairy by Daisy Meadows.

February Nominate a teenOur Making a Difference Awards honor local teens who show outstanding commitment to community service and volunteering. The awards celebrate teen members who embody the credit union philosophy of “people helping people.” Three winners receive CertifiKID savings certificates of $300, $500 or $1,000.

Nominations must be received by Feb.1, 2011. Learn more online at www.capcomfcu.org. Art Goedeke Memorial ScholarshipGraduating high school seniors and members through age 25 with plans to pursue an undergraduate degree in computer science or information technology can apply for the Art Goedeke Scholarship.

The application deadline is Feb. 1, 2011. Answer the question below in an essay of 500 words or fewer and send it in with: • Completed entry form (available at www.capcomfcu.org) • A copy of your college application or a tuition bill

Essay question: As web-enabled phones and social networks become more popular, what responsibilities do system designers and engineers have for protecting privacy and preventing identity theft?

Mail your application to: CAP COM FCU Attn: Carie Sala 18 Computer Drive East Albany, NY 12205

For more information, contact us at (518) 458-2195.

Spring scholarships!Check our newsletter and website for information on our Weidner “Ed” Davis Scholarships. CAP COM will award $2,500 to 15 college-bound members. The deadline is May 1, 2011.

2 | January/February ‘11

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Young Jakub Hann says he’s “treated like royalty”

Jakub has many interests. He plays clarinet, likes reading and landed a role in his fifth-grade musical. And, the 10 year old from Schenectady is already making informed financial choices. “I did a web search for ‘kid-friendly banks.’ I scrolled down and found CAP COM,” Jakub said. “You guys had all this kids’ stuff and you actually pay me for my report card. CAP COM was the only one who paid me for doing well in school.” CAP COM’s Youth Accounts are available for children from birth to age 17 and feature our seasonal Reading Programs (see Page 2) and annual Great Grades program. Kids earn $10 per quarterly report card (up to $40 per year) that they submit. Membership didn’t end with a Youth Account for the Hann family. Parents Violette and Robert also set up Checking and Savings Accounts. The Hanns live near our Niskayuna Branch on Balltown Road. “I really wanted my parents to join. I did not think it was fair for them to be treated like a number while I was being treated like royalty,” Jakub said.

Call, go online or visit a branch to open a new Youth Account.

• (518) 458-2195• Apply at www.capcomfcu.org• 10 convenient branch locations

Adult Credit Union members can open Youth Accounts for children, grandchildren, nieces and nephews. To get started, you’ll need the child’s Social Security Number.

New Year, new Youth Account!

CAP COM’s

biggestfan

Jakub at our Niskayuna Branch.

January/February ‘11 | 3

College Bound FAFSAOur FAFSA financial aid form preview from the experts. Jan. 11, 6:30-8 p.m. (Doors open at 6:15 p.m.)Main Office | 18 Computer Drive East

College PrepHigh school sophomores and juniors get tips on choosing the right school, applying for college, completing the interview process and finding scholarships. March 1, 6:30-8:30 p.m. (Doors open at 5:45 p.m.)Century House Restaurant | Route 9, Latham

College Experience High school seniors and parents discover ways to pay for college and what to expect in the first year of college. March 29, 6:30-8:30 p.m. (Doors open at 5:45 p.m.)Century House Restaurant | Route 9, Latham

PLOT

College Bound Workshops

4 | January/February ‘11

Q&A with KimHelping parents and teens plan for college

Q: The cost of college is soaring and I’m seeking a strategy to pay for my child’s education. Can CAP COM help?

A: The short answer is yes. Our College Bound Program helps families navigate the college selection process and find educational loans. But, as the landscape of higher education changes, parents and teens should get involved and get informed. CAP COM’s College Bound Program is a great resource. Think of us as a GPS device for the selection process and college journey.

We’ll help you find a great educational experience at a college that also fits your budget. Families with high school sophomores and juniors can join us at our College Prep Workshop on March 1 starting at 6:30 p.m. at The Century House in Latham. After the search is done, seniors and parents will need to start thinking about college life. Our College Experience Workshop on March 29 at the Century House will prepare students and parents for the next step. Find workshop RSVP on Page 8 or online.

For answers to your college questions, please contact:Kim Donah, College Specialist(518) 458-2195 ext. 3106kdonah@capcomfcu.orgweb.capcomfcu.org/collegebound

Kim Donah College Specialist

The Gaddy family at a College Bound workshop.

January/February ‘11 | 5

• Report a lost or stolen VISA® Debit or Credit Card immediately. Call (800) 449-7728 or (800) 221-7728 if hearing impaired. • Protect yourself with Verified by VISA when buying online. Visit the CAP COM home page and click “Lending” under the “Personal” tab. Then click on “VISA Credit Cards” and the “Verified by VISA” logo. • Monitor your account balances each day with our online Connect-24. • Visit www.annualcreditreport.com to get a free credit report. Review it carefully. • Never click on a web link in an unsolicited e-mail. • Be aware of sweepstakes or lottery fraud. If you have to pay to play or pay to receive winnings, the sweepstakes promotion is a scam. Remember: If it sounds too good to be true, it probably is.

discover Touch-24 account accessCAP COM’s enhanced Touch-24 automated system provides touch-tone and speech recognition access to your account.

Our easy-to-use system will provide simple directions to get you started! To access the system, call (518) 458-8986 or (800) 634-2340.

Tips for staying ahead of fraud

CAP COM’s Risk Management team helps members avoid fraud. Call us today at (518) 458-2195 ext. 2200.

Travelers for membersTravelers provides CAP COM members a chance to save money and expand their insurance protection. Auto Insurance: Enjoy low group rates and an array of basic features and options to enhance protection. We also offer boat and yacht insurance. Home and Condo Insurance: Get quality coverage with many standard features and options to enhance your protection. Renter’s Insurance: A renter’s personal possessions are not covered from loss by a landlord’s insurance. Get covered today! Flood Insurance: Many people find out too late that their property insurance does not cover flood damage. Protect high-value items like a basement furnace. Umbrella Liability Insurance: Get $1 to $5 million of extra liability protection.Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. Coverage, discounts, repair options and billing options are subject to state requirements and availability, individual qualifications and/or the insuring company’s underwriting guidelines.

CAP COM Federal Credit Union does not warrant, guarantee or insure any service or product offered by any insurance company. CCFCU and Travelers are separate entities.

Get started with a free quote • Visit web.capcomfcu.org/insurance • Ask at a branch location• Call (800) 842-5936

Do you occasionally make purchases or pay bills using your VISA Debit Card without signing a receipt or entering your Personal Identification Number (PIN)? If so, you are performing a “PIN-less transaction” that may be processed through the NYCE or CO-OP Networks, which may not provide you with VISA’s Zero-Liability Protection.* If merchants offer “PIN-less transactions,” they must provide a clear method to select a protected VISA transaction.

vISA® Debit Card liability protections

*Please refer to your cardholder agreement for a description of the protections and rights afforded to you.

6 | January/February ‘11

CAP COM is proud to have been named one of The Business Review’s Best Places to Work in the Capital Region for the seventh year in a row. “At CAP COM, we foster a corporate culture that encourages productivity and a good work-life balance. That culture allows employees to better focus on the needs of members and keeps our award-winning service at a high level,” said CAP COM President/CEO Paula A. Stopera. CAP COM attracts and retains employees with outstanding benefits, numerous employee recognition programs, and a company culture that is professional and fun. The positive work environment stimulates pride in delivering exceptional service. The Credit Union has been recognized in each of the seven annual Business Review awards for Best Places to Work.

CAP COMwins

Employee of the Year & TOP Support Theresa Trietiak Talent Acquisition Specialist Main Office

TOP CUSO Ricki Proctor Client Services Associate CAP COM Financial Services Latham Branch

“We take pride in delivering top-notch financial services.”

January/February ‘11 | 7

employeesThe outstanding employees of 2010 embody CAP COM’s commitment to great member service.

TOP

TOP ServiceKim Ingoglia Contact Center Associate Main Office

TOP SalesChris Caradori Financial Services Associate Cohoes Branch

Theresa Trietiak is CAP COM’s talent scout and the 2010 Employee of the Year. She partners with Credit Union managers to recruit and promote CAP COM’s best and brightest employees. That includes outstanding employees from the Credit Union and subsidiary organizations like CAP COM Financial Services, Car Buyers Helpline and MorPAC. It’s our staff of more than 230 employees that brings our unique member service to life. “We take pride in delivering top-notch financial services. My role is to help hire and promote staff who help us reach our goals,” Theresa said. Credit Union staff vote by secret ballot to honor an Employee of the Year who best represents CAP COM’s high member service standards. In addition, Theresa won the TOP Support award for providing human resource support to all CAP COM departments. Other award winners are selected by senior leaders.

TOP SalesChris Caradori is one of the best-known Financial Services Associates at our Cohoes Branch. “I want members to feel like they’re seeing a friend. Our service means looking out for a member’s best interest,” Chris said. TOP Service The next time you call our Contact Center, you may speak with Kim Ingoglia. She is a 17-year CAP COM veteran with all the answers. “Whatever it takes. That is my motto. Making exceptions is a rule we live by,” Kim said. TOP CUSO CAP COM Financial Services is a Credit Union Subsidiary Organization or CUSO. Ricki Proctor helps match members with our team of financial advisors. “Being there for a member is crucial. They know they can reach me any time. Building long-term relationships is what I do,” Ricki said.

CAP COM Federal Credit Union and CAP COM Financial Services are not registered broker/dealers and are not affiliated with LPL Financial. Securities offered through LPL Financial, Member FINRA/SIPC.

Not NCUA Insured May Lose Value No Credit Union Guarantee

8 | January/February ‘11

Our Mobile Banking gateway at www.capcomfcu.mobi supports all hand-held wireless devices.* Simply set your Internet-capable device to the website for real-time access to your account.

• View account balances• Make transfers and pay bills• Find the nearest branches or ATMs

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

Go mobile!

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

College Bound FAFSA Jan. 11 | 6:30-8 p.m. Main Office (Doors open at 6:15 p.m.) 18 Computer Drive East, Albany

College PrepMarch 1 | 6:30-8:30 p.m. Doors open at 5:45 p.m. Century House, Route 9 in Latham

First-Time HomebuyersPlanning to make a smart buy. March 24 | 6-8 p.m. Doors open at 5:45 p.m. Main Office 18 Computer Drive East, Albany

College ExperienceMarch 29 | 6:30-8:30 p.m. Doors open at 5:45 p.m. Century House, Route 9 in Latham

AArP driver’s Safety ProgramSafety program for drivers age 50 and older (AARP fee applies). May 3 & 4 June 7 & 8 Aug. 23 & 24 9 a.m. to noonTraining Center 18 Computer Drive East, Albany

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

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

Workshops

Jordan Colaruotolo Junior Systems Administrator

January/February ‘11 | 9

Go mobile!

Our Foundation brightened the holidays for many Capital Region families in need. As part of the annual Coats for Kids program, we joined with the Commission on Economic Opportunity to deliver 148 winter coats to children in need at the Stepping Stones 1 school in Troy. After that, volunteers and staff packaged and delivered more than 150 Thanksgiving baskets with healthy, traditional meals for low-income families. Among many partners, we worked with the City of Cohoes and Marillac Family Shelter in Albany. In December, children at the Marillac Family Shelter received a visit from Santa Claus and a gift courtesy of our Foundation. Since 2003, we’ve helped deliver more than 1,200 Thanksgiving baskets and 1,200 winter coats to underprivileged families. Together, we look forward to another year of giving back.

Season of giving

Coats for Kids at a school in Troy.

CAP COM Financial’s John Shartrand packs Thanksgiving baskets at Marillac.

At right, Cohoes Branch Manager Nicolle Monast helps a family in need at Cohoes City Hall.

CAP COM staff and family members volunteer at Albany’s Marillac Family Shelter during Thanksgiving week.

Many of our clients change jobs during their career and are left with multiple employer-sponsored retirement plans. The redundant investments and piles of account statements often produce a money-management headache. We can help. We’ll streamline your investment portfolio into a unified asset allocation plan that provides more flexibility. Work with our Financial Advisors to select a Rollover IRA1 plan that consolidates your assets under one umbrella account. Rollover IRAs offer a freedom of choice to deliver a precise mix of investments that reflect your 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. Utilize estate planning tools such as the “stretch IRA” and maintain tax-advantaged investments over the lifetime 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 today to discover more.

John M. Shartrand Chief Investment Officer

CAP COM10 | January/February ‘11

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

Not NCUA Insured May Lose Value No Credit Union Guarantee

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, tax preparation and insurance services offered through CAP COM Financial Services, LLC, a Registered Investment Advisor.

Streamline your future

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. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor’s unit, when redeemed, may be worth more or less than their original value. 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.

Consolidate retirement plans with IRA Rollovers

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.

Roth IRA: America’s Newest Tax Break*

Feb. 10 10-11:30 a.m. & 5:30-7 p.m. Webinar Feb. 16 | Noon & 6 p.m.

21st Century Retirement: Strategies for Managing Retirement Income**

March 10 10-11:30 a.m. & 5:30-7 p.m. WebinarMarch 16 | Noon & 6 p.m.

Workshops location: Main Office18 Computer Drive East, Albany

To RSVP, call (518) 782-0209 or send an e-mail to dcherubin@capcomfinancial.com *Investors should discuss tax-related strategies with a qualified tax advisor.

Workshops

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

2011 Annual Meeting

1 Other nominations can be made by petition and must be submitted by Feb. 11, 2011. Petitions require signatures of 500 CAP COM FCU members. If you would like to be nominated by petition, please submit a signed certificate stating that you are agreeable to the nomination and will serve if elected. You must also provide a resume or bio including your education and experience. To obtain a blank certificate, call (518) 458-2195 ext. 3609 or visit www.capcomfcu.org.Nominations will not be accepted from the floor during the Annual Meeting and there will be no balloting if there is only one nominee for each vacant position.Nominations received from the Nominating Committee and from petition shall be posted in the Credit Union’s offices and on our website at least 35 days before the Annual Meeting.

A Credit Union member since 1957, Edward Gilligan has served on the Board of Directors since 1993. He retired from the New York Telephone

Company in 1997 after more than 41 years. He has been Chairman of the Board since 2000 and has also served on the Supervisory Committee and the CAP COM Financial Services Board. Other committees include: Volunteer Recognition/Training, Volunteer Recruiting, Volunteer Activities, and Nominating. Gilligan has also been an active volunteer with the Albany Police Athletic League and the Telephone Pioneers.

William Fitzpatrick grew up in Troy and attended Catholic Central High School. He earned a degree from Hudson Valley Community

College. After four years in the U.S. Air Force, Fitzpatrick was named staff sergeant and became a DC-9 and fighter plane crew chief. He retired from General Electric after 34 years as Resin Department Leader. He has served on the Board of Directors since 2005.

Mark Marchand serves on the CAP COM Financial’s Board of Managers and has served on the Credit Union’s Supervisory

Board. He is Director of News and Editorial Services at RPI. In 2007, he retired as a senior manager in Corporate Communications at Verizon Communications after 24 years. Marchand was a national spokesperson and performed functions ranging from community relations to media relations. He is an associate member of the Board of Managing Directors at Albany’s Parsons Child and Family Center.

Elections1 for three open seats on the Credit Union Board of Directors will be held at the meeting. The Nominating Committee has nominated three candidates for three-year terms.

Wednesday, March 23Business Meeting begins at 5:30 p.m. (reception to follow)The Albany Marriott 189 Wolf Road, AlbanyRSvP: Call CAP COM at (518) 458-2195 ext. 3113 by March 16

January/February ‘11 | 11

JANUArY 1 ClosedNew Year’s Day

17 Closed Martin Luther King Jr.’s Birthday

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

FEBrUArY 21 ClosedPresidents Day

MArCH 22 Opening at 9:30 a.m.Opening late due to company-wide staff training.

23 Annual MeetingSee details above.

Important Dates

12 | January/February ‘11

Statutory Lien NoticeExcept as otherwise provided by federal law, CAP COM Federal Credit Union has the right to impress and enforce a statutory lien against a member’s shares and dividends in the event the member fails to satisfy a financial obligation to the Credit Union. The Credit Union has the authority to enforce this statutory lien right without further notice to the member. A member’s financial obligations include, but are not limited to, outstanding loan balances, NSF (insufficient funds) checks and related fees.

Membership Notification of Abuse and ActionAbuse can involve any Credit Union employee, volunteer or member. Should an abusive action occur on Credit Union property, the Credit Union may suspend the services of any party involved. As defined by the Credit Union Board of Directors, abuse includes but is not limited to: physical abuse, verbal abuse, harassment, physical damage to Credit Union property, or physical damage to the property of an employee or volunteer. Should any action be taken, written correspondence will be sent to the individual’s address of record, both by certified and regular mail.

With terms from three to 60 months, our Certificates can match your savings strategy.

Make your money work for you. Start today! Visit our website or ask a Branch Associate to learn more.

Savings for the New YearDiscover CAP COM’s great Certificate1 rates.

1 Certificate requires membership in the Credit Union. Certificate dividends are compounded daily and posted quarterly. A penalty may be imposed for early withdrawals. Fees and other conditions may reduce the earnings on some accounts. Other rates and terms may apply based on product/service relationship with the Credit Union.

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

Brunswick799 Hoosick Road

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

OTHEr ATM LOCATIONS Clifton Park Food Court, Clifton Park Center

Waterford (Limited branch hours)260 Hudson River Road

Other surcharge-free options SUM Networks CO-OP ATM

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

WEB BANKING www.capcomfcu.org Secure online banking

www.capcomfcu.mobi Mobile device banking

Member Company SpotlightConnecting the dots is not always easy, especially in healthcare. With a multi-specialty care network and 40-plus locations across the Capital Region, Community Care Physicians, PC makes connections that lead patients to good health. Community Care’s innovative use of electronic health records and patient portals connect patients to doctors and doctors to each other. For over 25 years, Community Care has provided innovative, compassionate and quality healthcare to our community.

Discover CAP COM’s great Certificate1 rates.

Specialty service areasFamily Medicine • Internal Medicine • Pediatrics • Obstetrics and Gynecology • Radiology • General Surgery Urology • Physical Therapy • Urgent Care • Walk-In Care • Laboratory • Audiology • Dermatology • Wellness Business and Occupational Care • Podiatry • Aesthetic Laser • Diabetes Education and Nutrition

Employees SpotlightCAP COM believes in recognizing employees for outstanding efforts in support of members and fellow employees. In November, the Credit Union recognized two department directors with Leadership Awards and three staff members with TOP Awards.

Leadership Award Rick Crisci Director of Network Operations Main Office 4 years of service

Leadership Award Ginny VanAmburgh Director of Mortgage Operations MorPAC 10 years of service

TOP ServiceKim Kelley Branch Representative Main Office 2 years of service

TOP Support Chris Williams System Administrator Main Office 13 years of service

TOP Support Jennifer Dignum Loan Officer Main Office 16 years of service

Kim

Rick Jennifer

Chris Ginny

PRSRT STD U.S. Postage

PAID Albany, NY Permit #186

18 Computer Drive East Albany, NY 12205-1168

Ten-year-old Jakub Hann is already making smart financial choices. He convinced his parents to set up a Youth Account for him and open their own CAP COM Checking Account. Get the full story on Page 3.

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