GuideProducts

Summer 2010

tear out

and save!

SAVINGSPrimarySavings The Credit Union’s basic Savings Account is required for membership and makes you eligible for all of the products, services and programs CAP COM offers.

YouthSavings(frombirthtoage12) Earn dividends and participate in youth events and contests.

YoungAdultSavings(ages13-17) Earn dividends and participate in teen events and contests. You’ll also be eligible for Credit Union scholarships.

HolidayClub Automatic deposits are available through payroll deduction. Earn dividends and renew automatically each year. Holiday Club balance is transferred to Savings Account in early October.

SpecialPurposeClubAccounts CAP COM members use these for any special savings purpose. Earn dividends and take withdrawals at any time.

IndividualRetirementAccounts The CAP COM Individual Retirement Accounts include rollovers from qualified savings plans at retirement. They are insured by the NCUA (National Credit Union Administration).

Certificates* CAP COM offers terms from three to 60 months with a minimum deposit of $500. Call for special offers or check capcomfcu.org for current rates.

iSaveSMCertificates*12-, 18- or 36-month terms with a $100 minimum deposit. You can customize your savings plan online at web.capcomfcu.org/isave.

CertifiKIDsCertificates* 18- or 36-month terms with $100 minimum deposit, which can be waived with payroll deduction. *Penalty for early withdrawals.

Investors’AdvantageMoneyMarket Savings Account with check writing capabilities and unlimited cash withdrawals. • $10,000-$24,999:Freecheckswith Checking Account in a variety of unique styles, free Travelers Cheques and free CAP COM Financial Services consultation. •$25,000ormore:Sameasabove,plusanannualgift.

PremierMoneyMarket $60,000 minimum balance and Checking Account required to earn dividends.

tools for your financial life

Carmel Patrick joined CAP COM in 2009 to save on monthly expenses by refinancing an Auto Loan. But, for this Troy resident and director at the Schenectady Museum, the benefits of CAP COM membership have added up to more than a low-rate loan. “It’s not just that I saved money by switching my Auto Loan to CAP COM, or that their online banking is a snap. What I enjoy most about CAP COM is the caring and friendly service I experience every time I step into a branch or call with questions. CAP COM really gets what it means to sincerely appreciate members. With that level of service, they’ve won my trust and loyalty,” Carmel said.

Choosing CAP COM

Our Summer 2010 Products Guide shows that we are a full-service financial institution.

But, we’re also more than that.

CAP COM is a nonprofit, financial cooperative bound by a common philosophy: “people helping people.” We’ll give you the products and guidance you need to help you make the best financial choices.

CHECkING Free checks for life in select styles and overdraft options are available on all Checking Accounts. You’ll also get unlimited free check images on Connect-24. Use convenient 24-hour access with the VISA® Debit Card through ATMs and merchants. Receive your monthly account statements online or by mail.

Consumers’ChoiceFreeChecking No minimum balance required and no monthly fee.

Members’AdvantageDividendChecking With a $500 average monthly balance required, you can earn dividends and enjoy no monthly fee.

Investors’AdvantageDividendChecking Using a Credit Union Money Market and $1,000 average minimum monthly balance, you can earn dividends and avoid a monthly fee.

YoungAdultChecking(ages15-22) With unlimited free* ATM withdrawals at any ATM worldwide and no minimum balance, our Young Adult Checking is a great option. Also, you’ll 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. *CCFCU will reimburse members with a Young Adult Checking Account (ages 15-22) for any ATM surcharge or foreign transaction fee.

vISA® DebitCard Access your Checking Account anywhere VISA is accepted with this FREE Debit Card. Earn CU Reward Points for every $5 you spend. Find your Reward Point totals on your monthly CAP COM account statement. Visit curewards.com to redeem your points for merchandise.

OVErDrAFt OPtIONS

MemberCourtesyPay*If your Checking Account has insufficient funds, this opt-in protection covers checks and preauthorized withdrawals (ACH withdrawals). Members can enroll in the program online, via phone or at a branch.

MemberCourtesyPayPlus*With all the benefits of Member Courtesy Pay, the Plus coverage also covers Debit Card purchases and ATM transactions. Members can enroll in the program online, via phone or at a branch.

Transfer-from-Savings*Set up automatic Transfer-from-Savings.

CheckingAccountLine-of-CreditCAP COM offers Checking Account overdraft options up to $5,000 for credit-qualified members. The Line-of-Credit is a primary option when combined with Member Courtesy Pay. *The Credit Union will assess a fee for each Member Courtesy Pay and Transfer-from-Savings overdraft transaction.

LOANS† Personal This loan can be a good tool for credit card debt consolidation. Take out an unsecured line-of-credit loan up to $15,000.

AutoLoans Get fast-and-easy financing for new and previously owned vehicles. Learn more at our online Auto Loan Center at web.capcomfcu.org/autoloans. PLUS: Refinance an existing loan and save.

RvorBoatLoan Get financing for the recreational vehicles you’ve always wanted including RVs, boats, planes, etc.

AcademicAdvantageEducationLoanCAP COM offers loans up to $50,000 for education expenses.

HOME LOANS

HomeEquityLoans Find great, low-rate fixed loans for debt consolidation, college expenses or home improvements.

Mortgages We offer terms up to 30 years and competitive rates on mortgages that are serviced locally.

Refinance Refinance an existing home loan and save. Stop by a branch, visit web.capcomfcu.org/homeloans or call us today to explore your options.

NewConstructionOur New Construction loans offer great rates and special extended rate-lock features.

VISA CrEDIt CArDSClassicvISA† With low fixed rates and no annual fee, our Classic card features credit limits up to $15,000, opt-in Payment Protection and exclusive merchant discounts from VISA and CAP COM member companies.

PlatinumvISA†

With low fixed rates and no annual fee, our Platinum card features credit limits up to $30,000, CU Rewards Points Program, opt-in Payment Protection and exclusive merchant discounts from VISA and CAP COM member companies.

vISAGiftCardsAlways the perfect gift for graduations, weddings and birthdays. Gift Cards are available in branches and include a $5 processing fee.

†If credit qualified.

As a CAP COM membership benefit, we are providing a comprehensive personal insurance program from the highly rated Travelers. Special group rates for CAP COM members can help you save money.

Get started with a freequote •Visitweb.capcomfcu.org/insurance •CallTravelersat(800)842-5936 Monday thru Friday from 8 a.m. - 9 p.m.

Director of Insurance Services Willis Reed

INSUrANCE Propertyandpossessions:Auto,HomeandBoat As a membership benefit, we are providing a comprehensive property and liability protection program from the highly rated Travelers. Our affinity pricing will most likely help you save on insurance costs.

LifeCoverage that meets your needs, today and tomorrow. CAP COM’s sponsored insurance program offers a variety of affordable life insurance products for members only. For more information, call CAP COM Financial at (518) 782-0209.

Secureyourlongevity A long life can be an expensive gift. Be prepared with a little planning – starting right now. Discover how our solutions can help you fulfill your dreams and long-term wishes. For more information, call CAP COM Financial at (518) 782-0209.

CreditprotectionMake sure your loan obligations are met should something bad happen to you. Call Lending Support at (518) 458-2195 ext. 2924.

•GuaranteedAssetProtection(GAP): To forgive your remaining outstanding loan balance after a total loss settlement.

•PaymentProtection:We offer CreditLifeto pay off your loan should you die prematurely. We also have CreditDisability for loan payments following an unexpected injury.

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)18ComputerDriveEast•Albany,NY12205-1168

CliftonPark 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

NorthGreenbush Route 4

ComingFall2010Hoosick Road Brunswick

OtHEr AtM LOCAtIONS CliftonPark Food Court, Clifton Park Center

Waterford260 Hudson River Road

Othersurcharge-freeoptions 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

See our Spring 2010 Convenience Services in the May/June newsletter and look for our next services guide in the fall.

Getyourfinancialtoolstoday!Goonline,callusorvisitabranch.

NEW ON tHE WEB Insurance Protection Center: web.capcomfcu.org/insurance

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.