Lines

September/October ’09 | 1

of Communication

September/October 2009 Volume 25 • Number 5

Safe, convenient access

to your accounts
Do your banking with ease and peace of mind.
2 | September/October ’09

Money for today.

Confidence for tomorrow.
More ways to help during a tough economy.
To help provide assistance for our members during these difficult economic times, we’re expanding our
Loan Payment Protection Product. With this program you will be better able to pay your bills and protect
your credit in the event of the unexpected.
• Coming this fall! Life, Disability and Job Loss Protection on your Capital Communications
VISA® Credit Card.*
• We will also continue to offer our current Life and Disability protection on consumer loans.
Our new VISA® Credit Card Payment Protection is just one more way that Capital Communications provides
you and your family with peace of mind by eliminating the worry about one of your major monthly
payments. Watch for more information online at capcomfcu.org and in your VISA® Credit Card statements.

*Ask for details. Exclusions apply.

 September/October ’09 | 3
contents
2 LOAN PAYMENT
PROTECTION PRESIDENT/CEO’S MESSAGE
Confidence for
tomorrow By Paula A. Stopera
4 & 5 LOANS
Now might be the
time to buy a home
6 ETOOLS
Safe, convenient access
Online
conveniences
7 WORKSHOPS
to your accounts
Great information
for all ages As the seasons change, vacations end and we fall Perform account inquiries, transfers, check requests
8 & 9 YOUTH & back into our regular routines, life tends to get a and take care of myriad other transactions over the
YOUNG ADULTS little busy. With the kids going back to school and phone, wherever you are. I am excited to announce
College Experience
Workshop
flu season approaching, I wanted to take some time that, coming soon, our automated phone system will
to talk about the many ways we make access to your be upgraded to allow you to complete transactions
Lessons for life
Credit Union more convenient. using voice commands. You will no longer have
10 CHECKING
Two new reasons The fastest way we can get critical information to to memorize transaction codes or wait through
to switch you is through our Web site, capcomfcu.org, and by recorded menus. The voice commands will take care
11 RETIREMENT e-mail. I encourage you to update your e-mail address of your requests automatically!
All about with us and start taking advantage of “eLines,” our Our ATM networks are growing by the day and
retirement income monthly electronic newsletter. allow you to access all of your accounts at every
12 COMMUNITY If you don’t already use our extensive online corner in your neighborhood or around the world.
Scholarship banking platform, Connect-24, you should find
winners Drive-thru hours are available six days a week at our
out how easy your banking can be online. Check branches (all except our Waterford branch) to help
Summer memories
balances, make transfers, make payments, open
14 SAVING $$ members while they wait in their car. And, in the
additional accounts and apply for loans; everything
Could take you five event of an emergency situation we would extend
minutes you can do in person you can do online. Our secure
these hours.
15 EMPLOYEES platform also includes a robust Bill Payment feature
So, no matter where you are and no matter what
Award winners allowing you to skip a trip to the post office and
the circumstances may bring, you’ll still be able to
pay your bills online. Visit our site and familiarize
yourself with the wide array of features it offers. access your accounts with ease and peace of mind. I
One of the core conveniences we’ve had available look forward to bringing additional conveniences to
to our membership since 1953 is our Call Center. your attention in the coming months!
You are able to contact us six days a week during
regular business hours at (518) 458-2195 or (800)
Sincerely,
468-5500 and a live person will take care of your
banking needs in one quick and efficient phone call.
If you prefer to access your account information
over the phone but need us after hours, you can also
Lines of Communication use our 24-hour, automated phone teller Touch-24 Paula Stopera
is published bi-monthly
exclusively for Capital at (518) 458-8986 or toll free on (800) 634-2340. President/CEO
Communications Federal
Credit Union members.

MELISSA FECK
VP Marketing and
Innovation
ED BEHAN
Credit Unions for you
Marketing Manager
WILLOW L. DANNIBLE For 100 years, credit unions have been serving members with the
Editor
LAURA L. REYNOLDS
same guiding philosophy: “People helping people.” According
Designer to the Credit Union National Association, today more than 177
The Supervisory Committee is million people belong to a credit union. We hope you’ll join us
the members’ representative.
Please address any situations during the week of October 12 as we celebrate International Credit
you feel were not handled Union Week. Visit our Web site for more information on how
to your satisfaction by the
Credit Union to: Supervisory credit unions work for you!
Committee, P.O. Box 11279,
Albany, NY 12211-0279.
4 | September/October ’09

This could be the right

time to buy a home
If you’ve been watching news about the economy and current
housing market, you might still be wondering if it is the right time
to buy a home. Interest rates remain low and you may want to
take advantage of a tax credit within the American Recovery &
Reinvestment Tax Act of 2009 before December 1, 2009.

This one-time tax credit of up to $8,000 or 10 percent
of the purchase price of a qualifying primary residence
is available to any first-time homebuyer (one who
has not owned a principal residence for three years
prior to the purchase) who purchases a home before
December 1, 2009.
The credit is available on single-family detached
homes, townhouses and condominiums, new or
existing construction. And, as long as the home
remains your primary residence for three years, you
won’t need to repay the tax credit. Single taxpayers
with an adjusted gross income of $75,000 or less are
eligible for a full credit ($150,000 for couples filing
jointly). Consult your tax advisor for more information
or visit the Internal Revenue Service online at
www.irs.gov.
If this is the first time you’re buying a home,
or if you’ve purchased a home before but you are
unsure of your options during these times, contact
the professionals at Capital Communications. We’ll
answer all your questions and are here to help you
every step of the way. We offer home loans directly
to our members for terms up to 20 years and our
registered mortgage broker can provide mortgages
with terms in excess of 20 years.
Talk with a lending specialist today! Stop by a branch
that is convenient for you, call (518) 458-2195 or
apply online at capcomfcu.org. If you’re getting ready
to buy a home, attend our free home buying workshop
on September 22 at our Main Office. (See below)
Free Homebuyers
Workshop Sept. 22
Review the mortgage process and
all of your options.
Tuesday, September 22nd
6-8 p.m., doors open at 5:30 p.m.
Main Office
18 Computer Drive East
For more information or to RSVP,
contact Christine Fitzgerald by phone
at (518) 458-2195 ext. 3168.
September/October ’09 | 5
Seasons change
So do your financial needs
As the leaves begin to change color and the air starts to take
on the chill of autumn, many members start to secure their
homes and finances for the long winter to come.
Refinancing your mortgage now may provide you with
the cash you need to pay for needed home improvements, a
major purchase or even college tuition. Draw on your loan
up to the approved amount for up to four years.
A Capital Communications mortgage specialist can tell
if you would benefit from a shorter loan term or see an
improvement in your cash flow by reducing the monthly
payment. We will walk you through the entire
process and customize the best loan
solution for your needs.
For more information or to set
up a mortgage refinance
appointment, stop by your local
branch, call (518) 458-2195 or toll free
(800) 468-5500 or e-mail
mortgages@capcomfcu.org.
Confusing car incentives
The many different incentives being offered can be confusing
when you are getting ready to buy a car.
If you have questions about the status of the government’s
tax incentives, contact the professionals at Car Buyers Helpline.
We can explain all your options as well as current incentives
from the government and the dealers to make sure you get the
right car at the right price and the best value on your trade.
And, when you’re ready to buy, Capital Communications
can offer you Auto Loans starting at only 3.49% APR.*
Call (518) 383-8924 or visit carbuyershelpline.com to get
started.
*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. Rate applies
to a new auto loan with a two-year term (2007-2010). Sample payment for 3.49% is
$43.21 per $1,000. Rate is accurate as of 8/24/09.
6 | September/October ’09
Pandemic Flu
As flu season approaches, Capital
Communications is committed to
providing you secure and convenient
access to your accounts – even in the
event of a significant outbreak of the
H1N1 (swine) Influenza.
According to information on
pandemicflu.gov, the US Government
is working to have a safe vaccination in
place for the H1N1 flu by mid-October.
Here are some tips to help you protect
yourself from any flu:
• Cover your mouth with a tissue when
you cough or sneeze
• If you don’t have a tissue, cough or
sneeze into the crook of your elbow
• Immediately throw away used tissues
and then wash your hands
• Use an alcohol-based hand sanitizer
• Eat healthy and drink lots of fluids
• Get plenty of rest and exercise
The Credit Union remains informed
and prepared with a plan in place to
communicate information to you as well
as continue providing convenient access
to financial services online, at the ATM
or over the phone.
You can: conduct your banking online
with Connect-24 and through our
automated phone line Touch-24, speak
with someone in our Call Center during
regular business hours, get cash from
one of more than 30,000 ATMs in our
network and set up direct deposit of
your paycheck to save yourself a trip
to the Credit Union. Watch for more
information on our Web site and in
future newsletters.
eTools make banking easy
As life starts moving at a faster pace, banking is probably the last thing on your mind.
With a collection of online products and services designed to make banking more
convenient, you can use our secure Connect-24 platform to cross one more thing off
your list. Visit capcomfcu.org for information on signing up.
Bill Pay & Presentment – Save yourself time and money by paying and receiving
your bills online. You have control over when your bills are paid but you won’t have to
write out checks, stuff envelopes, buy stamps and take them to the post office.
eStatements & eNotices – View your monthly account and VISA statements and
your notices online rather than waiting for them to arrive via US Mail. It’s more secure
and you’ll get them up to three days sooner. You can receive eNotices for non-sufficient
funds through ACH or ATMs, certificate renewals and courtesy pay notices.
Account reminders – If you’re constantly checking your account to make sure it
hasn’t dropped below a certain amount or to see what bills you have coming due, try
setting up Notifications and Alerts so you’ll get e-mail reminders.
You can also set up notifications to:
• Report your balance periodically
• Let you know a specific check has cleared
• Remind you a certificate is reaching maturity
• Alert you that a payment is past due
• Send yourself a personal reminder.
Scheduled Transfers – Set up automatic transfers within
the Credit Union accounts you are linked to and you’ll
have control over your distributions without having to
fill out forms to make a change. Schedule transfers to pay
your VISA or other Credit Union loans and ensure those
bills are paid on time. Set up an automatic transfer into your
Savings Account, Holiday Club, Escrow Account or even
your children’s accounts.
iDeposit-24 – Deposit checks from any
Internet connection, no matter where
you are, and gain immediate access
to your funds. (Must be a qualified member,
some limits and restrictions may apply.)

Protect yourself from e-mail and phone scams

Mary Radley, Director of Risk Management at Capital Communications

Scammers use hoax e-mails, texts and phone messages
(spam) to convince you to provide your account
information or, worse, to send them your money. Here are
some ways you can protect yourself:
• Do not respond, or even open unsolicited e-mails –
simply delete them.
• Never buy anything marketed by spam, especially if you
get several copies of the advertisement.
• Don’t click on links within an unsolicited e-mail.
• Open attachments only from trusted sources.
• Do not provide personal or financial information to
anyone who solicits it via e-mail, texts or phone messages.
If you have questions or think you have been a victim of
fraud, contact a Credit Union representative. Watch for
more helpful tips in future issues.
 September/October ’09 | 7

Workshops
All workshops will be held at the Main Office, 18 Computer Drive East. Doors
open a half hour before each workshop; reservations are required. For more
information or to RSVP contact cfitzgerald@capcomfcu.org or call
(518) 458-2195 ext. 3168. Unless otherwise indicated, workshops are free.
Workshops in brown are specifically for teens and young adults!

SEPTEMBER Presented by CAP COM Financial Services at the Credit Union’s

September 16, 6-8 p.m.
ESSAY WRITING WORKSHOP Main Office. To receive an invitation or to RSVP, call Vicki
Learn the key elements of writing Vielkind at (518) 782-0209 or e-mail v vielkind@capcomfcu.org.
a successful college essay. Discounted fee of $60. Please specify the name and time of the workshop you would
like to attend.
September 22, 6-8 p.m.
HOMEBUYERS WORKSHOP
Review the mortgage process and your options. OCTOBER
September 29, 5:30-7 p.m. October 15, 10-11:30 a.m. or 5:30-7 p.m.
ONLINE BILL PAY MANAGE YOUR FINANCIAL FUTURE: FOR WOMEN
Learn how to sign up for and use online Bill Pay. This hands-on workshop is designed to provide an introduction
to the terms, products and techniques that will help women
take control of their finances. Bring a calculator and information
OCTOBER about your assets and expenses, such as bank and investment
October 6, 6-8:30 p.m. account statements, records of debt and the value of other
COLLEGE EXPERIENCE – ADMISSIONS EDITION assets.
Get information on the college admissions process.
Ideal for high school seniors. Parents welcome! October 1, 10-11:30 a.m. or 5:30-7 p.m.
RETIREMENT RED ZONE
October 14 or 19, 6-8 p.m. Learn ways to help you navigate the Retirement Red Zone (five
ESSAY WRITING WORKSHOP years prior to and five years after retirement).
Learn the key elements of writing
a successful college essay. Discounted fee of $60.
NOVEMBER
October 21, 6-8 p.m. November 19, 10-11:30 a.m. or 5:30-7 p.m.
FRAUD/INTERNET SCAMS SAVING FOR COLLEGE
Learn how to protect yourself from becoming a victim Get a better understanding of the education savings and gifting
of fraud. options available, including tax-advantaged 529 College Savings
October 27, 6-8 p.m. Plans. Perfect for parents of kids in elementary or middle school.
DOLLARS AND SENSE BUDGET STRATEGIES CAP COM Financial Services – Securities and annuities products offered through LPL Financial
FOR TEENS (AGES 14-18) 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
Tips for smart saving. Services and Capital Communications Federal Credit Union are not registered broker dealers and
are not affiliated with LPL Financial. Financial planning and insurance services offered through
CAP COM Financial Services, LLC.
NOVEMBER
November 4, 6-8 p.m. Not NCUA Insured May Lose Value No Credit Union Guarantee
BUDGETING
Establish a budget and learn how to stay within
those parameters. SEPTEMBER NOVEMBER
22 Open Late 1 Daylight Savings
November 12, 5:30-7 p.m. Open at 9:30 a.m.
Online Bill Pay 11 Closed
Learn how to sign up for and use online Bill Pay. OCTOBER Veterans Day

len dar 12 Closed 17 Open Late

Ca s Columbus Day
vent
Open at 9:30 a.m.

of E 18 Strides Walk
Washington Park
26 Closed
Thanksgiving
8 | September/October ’09

t
Grea s
e
Grad am
r
Prog

Admissions Edition
Earn cash For high school seniors.
Parents welcome!
for your October 6, 6-8:30 p.m.
Great 18 Computer Drive East, Albany
Grades! Pizza and snacks will be served

Youth members This workshop will touch on the admissions process – from
in grades K-12 your application and essay to scholarships and the Free
can bring in Application for Federal Student Aid (FAFSA). A Credit Union
a report card associate will also talk about the right financial products for
they are proud students to have and money management tips.
of from the All those who attend will be entered to win*
current school
a $50, a $100 or a $250 VISA® Gift Card.
quarter to any
branch and we For more information or to RSVP contact
will immediately cfitzgerald@capcomfcu.org or call (518) 458-2195 ext. 3168.
deposit $10
(up to $40 per *Sweepstakes Rules: No purchase necessary. CCFCU employees, volunteers and their fami-
lies are not eligible. Prizes $20 and over in value may require the issuance of a year-end
year) into their 1099 form from CCFCU. Gift certificate winners are responsible for using gift certificates
account! before expiration date. If not used before the expiration date, the gift certificate will be
forfeited. If the winner does not claim the gift card by November 6, 2009 it will be for-
feited. You may also enter by mailing a 3 x 5 card with your name, address and daytime
phone number to: CCFCU College Experience Sweeps, 18 Computer Drive East, Albany,
1st quarter NY 12205-1168, Attn: Marketing Department. One entry per person
deadline:
December
11, 2009

Report cards
can also be
Talk to your kids about good credit
faxed to (518)
371-2881 or “Right now, when students are returning to campuses across the country,
mailed to Capital is an ideal time to talk to your young adult son or daughter about the
Communications importance of building and protecting a credit score from the get-
Federal Credit go … Remember your first credit card, and what it was like to have
Union Attn: seemingly ‘free money’ in your pocket and all kinds of enticing things
Great Grades, to spend it on? Do you remember being shocked, for example, when
18 Computer
you’d used that card to outfit your dorm room – and then the bill
Drive East,
Albany, NY arrived? Talk to your newly independent young adults and help them
12205. differentiate between needs vs. wants. Introduce them to the idea of
creating a spending plan to guide their money management. And make
For more your rules clear – no bailout means no bailout.”*
information, visit Our College Bound program can help you prepare your child
capcomfcu.org for the future. For more information, visit our Web site or contact
or call
College Specialist Kim Donah at ext. 3106.
(518) 458-2195
ext. 3671. *(c) 2009 Credit Union National Association. Reprinted with permission from Home &
Family Finance Resource Center. To read this entire article, visit capcomfcu.org, click on the
“Personal Tab” and click on “Resource Center.”

Rosa Richburg
seasonal employee
full-time college student
Credit Union teens and young adults attended a week-long summer
camp at Capital Communications to learn how to manage their
money better. With such topics as budgets, saving and shopping
for a big purchase, checking accounts, credit and investing for the
future, the students learned valuable lessons about the importance
of saving and investing at a critical time in their lives.
Lessons for life
The summer camp, a partnership with
Brendan Franko
the New York Credit Union Foundation,
seasonal employee
is one of many learning opportunities
full-time college student
teen and young adult members have
through the Credit Union’s College
Bound Program. And, for two of the
young adults that attended, the camp
was held just in time as they prepare for
college to begin this fall.
Siena-College-bound Stacey Flynt,
18, and Jessica Abrams, 18, who’s
planning to attend SUNY New Paltz,
said it was beneficial to learn about
budgeting before they left for college.
Here are some other tips they have for
young adults preparing for college.
• Start early and pay attention to your
deadlines.
• Take time choosing your school. Make
sure you visit your top choices if
possible.
• Find out if it makes sense for you
to use The Common Application or
the SUNY Application to eliminate the
number of applications you fill out.
September/October ’09 | 9
• Fill out your FAFSA as soon as possible
(ask about our FAFSA preparation
service).
• Know the difference between Early
Action (non-binding) and Early
Decision programs.
• Take advantage of Work-Study
Programs.
• Save, save, save!
• It’s a huge decision, don’t take it
lightly.
Our College Bound Program
is a good resource for families with
college-bound children. From help
with the FAFSA form and student
loans to workshops about how to
write a college essay and what to
expect in your freshman year, we have
dedicated professionals that can help
you during this exciting transition. For
more information, contact College
Specialist Kim Donah at kdonah@
capcomfcu.org or call (518) 458-2195
or (800) 468-5500 and dial ext. 3106.
10 | September/October ’09

Our friendly staff is ready to help you

make the switch and we’ll even do some
of the work for you!
Stephanie Salvato
Operations Support Associate

Two new reasons to

switch
make the

Our great checking accounts just got better with two

new reasons for you to make the switch!

NEW as of 9/1/09! Totally free online Bill Pay – no matter how many bills you pay.
NEW as of 10/1/09! Unlimited free check images on Connect-24.
With four accounts to choose from and two accounts that earn dividends, we have
the best checking account for your needs.
Did you know? All of our accounts include:
• A VISA® Debit Card that earns CU Reward points – we’ll give you 1,000 reward
points just for opening your account!
• A network of 30,000 ATMs and an online tool to help you find them
• 10 free withdrawals per month if you need to use an ATM outside of our network
• Overdraft options for your peace of mind – with no fees unless you use it
• Access to your account online or via phone 24 hours a day
And, we make it as easy as possible for you to switch with tools that allow us to do
most of the work for you!
Start your switch today! Apply online by clicking “Personal,” then “Checking” and
“Easy to Switch Service.” Stop by any branch or call (518) 458-2195 or
(800) 468-5500.

KeyBank ATM users: If you use your VISA® Debit card surcharge free at KeyBank
ATMs, you might notice something different starting November 1, 2009. Now, when
prompted, you will need to accept a surcharge from KeyBank at the ATM in order
to proceed with your transaction. Capital Communications will reimburse these fees
each night so that KeyBank ATMs will remain surcharge free for our members!
CAP COM
September/October ’09 | 11

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

www.capcomfinancial.com

Everything you need know about Meet Harry

Hartman
retirement income
John Shartrand, ChFC, AAMS, Chief Investment Officer, CAP COM Financial Services, LLC
After years of saving and to retire and how much you will be able to withdraw
investing, you can finally see annually for living expenses.
your retirement on the horizon.
How much annual income am I likely to
But before kicking back, you still
need? Because of the declining availability of Harry Hartman
have some important planning to
traditional pensions and increasing financial stresses Financial Consultant
do. For instance, it’s important to
on Social Security, future retirees may have to rely
figure out how much retirement Harry Hartman joined
more on income generated by personal investments
income you may need. To do CAP COM Financial
than today’s retirees. Services in 2007
that, you’ll need to consider your housing cost, the
length of your retirement, whether you have earned How much can I afford to withdraw from with an extensive
income, your retirement lifestyle, health care and my assets for annual living expenses? background in
insurance costs and the rate of inflation. You’ll also Changes in inflation, investment returns, your financial services.
desired lifestyle and your life expectancy are He has earned the
need to identify all of your potential retirement
Series 7 and 66
income sources and review your asset allocation. important contributing factors. The best way to
registrations, which
Decisions made now could make the difference target a withdrawal rate is to meet one-on-one with are held with LPL
between your money outlasting you – or vice versa. your CAP COM representative and review your Financial,
personal situation. as well as the
When should I begin thinking about
tapping my retirement assets and how Work with your CAP COM representative. NYS Life & Health
should I go about doing so? Schedule an Your CAP COM Financial Services representative Insurance License.
You can meet with
appointment with a CAP COM representative to can help you to develop a retirement plan that is
Harry by calling
help you make important decisions such as how your consistent with your personal situation. Call us today
(518) 782-0209
portfolio should be invested, when you can afford at (518) 782-0209 to schedule an appointment. today to schedule an
appointment!
This article contains information that originally appeared in the March 2008 LPL Independent Investor and is not intended to provide specific
investment or tax advice for any individual. Consult a financial representative at CAP COM Financial Services with any questions.

Retirement Planning Plan today for a comfortable tomorrow!

Many people retiring at age 65 will need a nest egg that will starting early and investing wisely for your retirement is
last at least 20 years. Most of us dream of a comfortable and essential. But no matter where you are on the road to
fulfilling retirement where we can travel and do the things retirement, we can help you make the most of what you have
we’ve always wanted to do. Yet, our ability to live those and help you plan to make your retirement dreams come true.
dreams hinges on careful planning right now. Talk with us about your plans for retirement. Call
Social Security and employee-sponsored retirement plans (518) 782-0209 to speak with a CAP COM Financial Service
may not provide enough money for your retirement needs; Representative or to schedule an appointment, today!
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 and insurance services offered through CAP COM Financial Services, LLC.

Not NCUA Insured May Lose Value No Credit Union Guarantee

12 | September/October ’09

ts
evenING
COMP
U

2010 Calendar
Capital Communications Cares of Dreams

Foundation
Watch for our 2010 Calendar of
Dreams to go on sale this fall.
Calendars are only $25 each for
a chance to win between $25
and $250 every day throughout
2010! Proceeds support the Capital
Communications Cares Foundation.
For more information about the
Credit Union or its Foundation visit
Scholarship winners honored capcomfcu.org.

Capital Communications Federal Credit Union and its Capital Communications Cares
Foundation honored 18 scholarship recipients at a luncheon on Wednesday, July 15, Support our Soldiers
presenting $45,000 in scholarships for the upcoming school year. Fifteen members Twice a year, the Foundation
won the Weidner “Ed” Davis Scholarship. Davis is a former, long-time Credit Union delivers care packages to Credit
board member. The Credit Union also honored three winners of the Harold Horning Union members serving overseas
Scholarship for children and grandchildren of employees. Horning is a current through its Support our Soldiers
member of the Credit Union Board of Directors and past President/CEO (SOS) Drive. If you have family
of Capital Communications. serving overseas, let us know how
we can contact them and find
out what is on their wish list. Call
(518) 458-2195 ext. 3609 for more
details or to provide an overseas
contact.

Make a Difference.
Make History.
Make Strides.
Join us on Sunday, October 18,
2009 in Washington Park in Albany
as we walk for the 16th year with
thousands of area residents during
the American Cancer Society’s
Making Strides Against Breast
Cancer Walk in support of a very
important cause. Last year, more
than $1 million was raised at the
Albany walk to support breast
cancer research and education. If
you would like to walk with the
Seated in front from left are Lauren Schultz, Stephanie LoGuidice, Marissa Mastrianni, Mollie Danahy and Lisa Credit Union team, please call Bob
Meyer. Standing from left are Harold Horning, Christopher Longo, Matthew Kelly, Sean Murphy, Ryan Hotaling,
Capital Communications Federal Credit Union President/CEO Paula Stopera and Weidner “Ed” Davis. Not pictured
Bascom at (518) 458-2195, ext.
are scholarship winners: Alex Markessinis, Brittany Walton, Lauren Osborne, Laura Kellogg, Danielle DeMichele, 3609, or look for registration forms
Patrick Ryan, Sara Sweeney, Mary McCormack and Meghan Alexander. on our Web site or in any branch.
 September/October ’09 | 13

Making memories on a hot summer day, Foundation volunteers and members

of the Credit Union’s Teen Group delivered backpacks and ice cream to
children at Marillac Family Shelter. Clockwise from the top left: Pictured from
left, Teen Group members Lauren McCormick and Alex Stopera, Capital
Communications President/CEO Paula Stopera (center), a male Marillac
Resident (standing next to Stopera) and Teen Group member Mollie Danahy
stand with children at Marillac Family Shelter after they received their back packs.
Credit Union employees Joy Barnhart and Marilyn Valentine also volunteered
their time and horses so the children could have a horseback ride. Top right, a
resident of Marillac sits on a horse; Teen Group Member Lauren McCormick
and Marilyn Valentine pose with a horse, a Marillac resident enjoys a frozen
treat and, above, Teen Group members Mollie Danahy and Alex Stopera pose
with children at Marillac.
14 | September/October ’09
Saving money
could take five minutes
One member came in to
discuss a possible refinance
of a home loan. After
carefully reviewing the
member’s complete financial
picture we were able to
suggest some better loan
options. We saved him nearly
$900 a month, allowing
him to build his savings and
have a better cash flow!
Another member was able to
refinance and take 20 years
and thousands of dollars in
interest off his mortgage.
The changing economy has forced many people to take a look at their spending
habits and find ways to tighten their finances. Our five-minute Financial Checkups
have saved members money and, in some cases, have also taken years off their loans.
One member came in to discuss a possible refinance of a home loan. After
carefully reviewing the member’s complete financial picture we were able to suggest
some better loan options. We saved him nearly $900 a month, allowing him to build
his savings and have a better cash flow! Another member was able to refinance and
take 20 years and thousands of dollars off his mortgage.
It only takes a few minutes for our staff to look at your entire financial picture and
suggest better products to fit your needs while keeping your best interest in mind. If
you’re feeling a financial pinch, here are some steps you can take.
Chart your monthly income and expenses. Write down everything! This will
help you determine what you spend your money on and where you can make cuts.
Even the small expenses add up:
$3 each weekday morning for coffee is $780 a year
$10 for lunch twice a week is $1,040 a year
$75 for dinner out once a week is $3,900 a year
Build your savings with direct deposit. Set aside a manageable amount of
money automatically with each paycheck through direct deposit or by using a
scheduled transfer within Connect-24. This will help you start to build a cushion
for emergencies and direct money out of your primary account before you have the
chance to spend it.
Take steps to reduce your debt. Start with your highest interest credit cards first
and make sure you pay more than your minimum payment. Try our free online debt
management tool – visit capcomfcu.org, click on “Personal” and then on “Resource
Center.” We also have online calculators to help you estimate monthly payments and
loan terms. Look for “Calculators” under the “Quick Links” on our home page.
Let us know how we can help see you through this difficult economy. A phone
call or visit could put you and your family in a much stronger financial position.
 September/October ’09 | 15

Top Employees in the Spotlight Fa

su vor
me mm ite
The Credit Union believes in recognizing employees for their outstanding mo er
efforts on behalf of our members and staff. Managers are recognized with ry
the Leadership Award and staff members are recognized with a TOP Award.

Leadership winner TOP Sales

Liam Miller Carie Sala
Web Manager Youth Program Coordinator
One year of service Five years of service
After reaching the summit of one of My favorite summer memory is
New York’s high peaks last summer getting married last year. It was a
with my girlfriend, I pointed out gorgeous, breezy 75-degree day and
some places with special meaning, everything was perfect!
then dropped to one knee and
proposed. One year later, we are
happily married! TOP Support
Robert Bascom
Foundation Coordinator
TOP Service 17 years of service
Paige Clawson
My daughter Paige was born during
Branch Representative
the summer of 1994 and every
Four and a half years of service
day was a new and rewarding
I love to remember the two summers experience. Now that she’s 15, every
I spent with my sister in Ocean City day is still “an experience!”
MD. The memories built with her will
last a lifetime.

TOP Support
Danielle Turner
HR Specialist
1 year service
Our family barbecues are my favorite
memories. It brings us all together
and is something we continue do
every year.

Coming soon! New and improved

phone line access
We’ll unveil a new automated phone system this fall with both
touch tone and audio response. Watch for more information on
this new, convenient way of doing your banking over the phone.
16 | September/October ’09
This could be the right time to buy a home
Review the mortgage process and all of your
options at our Homebuyers Workshop
Tuesday, September 22nd
See Page 5.

PRSRT STD
U.S. Postage
PAID
Albany, NY
Permit #186

18 Computer Drive East

Albany, NY 12205-1168

PHONE NUMBERS BRANCH AND ATM LOCATIONS OTHER ATM LOCATIONS

CCFCU Phone (518) 458-2195
Albany (Main Office and mailing address) Clifton Park
CCFCU Toll Free (800) 468-5500
18 Computer Drive East • Albany, NY Food Court, Clifton Park Center
CCFCU Fax (518) 458-2261
12205-1168
Touch-24 (518) 458-8986 Other Surcharge free options
Touch-24 Toll Free (800) 634-2340 Clifton Park SUM Networks
1744 Route 9 KeyBank ATMs in New York
COOP ATM
Cohoes
HOURS OF OPERATION
219 Ontario Street To find the ATM nearest you, visit
Lobby:
capcomfcu.org and choose
Mon — Wed: 8:30 a.m. - 4:30 p.m. Colonie
“Locations/ATMs” on our homepage.
Thurs & Fri: 8:30 a.m. - 6 p.m. 341 New Karner Road
Then, click on “Branch/ATM Locator.”
Sat: 8:30 a.m. - 12:30 p.m.
Glenmont
Drive Thru: 384 Bender Lane
Mon — Wed: 8 a.m. - 5 p.m.
Latham
Thurs & Fri: 8 a.m. - 6 p.m.
4 Century Hill Drive capcomfcu.org
Sat: 8:30 a.m. - 12:30
p.m. Niskayuna
582 Balltown Road
Waterford Branch:
Thurs: 2:30 - 4 p.m. North Greenbush
Fri: 11 a.m. - 4 p.m. Route 4
Early drive thru hours Waterford (limited hours)
18 Computer Drive East, Albany 260 Hudson River Road
4 Century Hill Drive, Latham
Mon — Fri: 7:30 a.m.