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September/October ’09 | 1
of Communication
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
Free Homebuyers
Workshop Sept. 22 Confusing car incentives
The many different incentives being offered can be confusing
when you are getting ready to buy a car.
Review the mortgage process and If you have questions about the status of the government’s
tax incentives, contact the professionals at Car Buyers Helpline.
all of your options. We can explain all your options as well as current incentives
Tuesday, September 22nd 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.
6-8 p.m., doors open at 5:30 p.m.
And, when you’re ready to buy, Capital Communications
Main Office can offer you Auto Loans starting at only 3.49% APR.*
18 Computer Drive East Call (518) 383-8924 or visit carbuyershelpline.com to get
For more information or to RSVP, started.
contact Christine Fitzgerald by phone
at (518) 458-2195 ext. 3168. *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
eTools make banking easy
Pandemic Flu 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
As flu season approaches, Capital convenient, you can use our secure Connect-24 platform to cross one more thing off
Communications is committed to your list. Visit capcomfcu.org for information on signing up.
providing you secure and convenient
access to your accounts – even in the Bill Pay & Presentment – Save yourself time and money by paying and receiving
event of a significant outbreak of the your bills online. You have control over when your bills are paid but you won’t have to
H1N1 (swine) Influenza. write out checks, stuff envelopes, buy stamps and take them to the post office.
According to information on eStatements & eNotices – View your monthly account and VISA statements and
pandemicflu.gov, the US Government your notices online rather than waiting for them to arrive via US Mail. It’s more secure
is working to have a safe vaccination in and you’ll get them up to three days sooner. You can receive eNotices for non-sufficient
place for the H1N1 flu by mid-October. funds through ACH or ATMs, certificate renewals and courtesy pay notices.
Here are some tips to help you protect
Account reminders – If you’re constantly checking your account to make sure it
yourself from any flu:
hasn’t dropped below a certain amount or to see what bills you have coming due, try
• Cover your mouth with a tissue when
setting up Notifications and Alerts so you’ll get e-mail reminders.
you cough or sneeze
You can also set up notifications to:
• If you don’t have a tissue, cough or
• Report your balance periodically
sneeze into the crook of your elbow
• Let you know a specific check has cleared
• Immediately throw away used tissues
• Remind you a certificate is reaching maturity
and then wash your hands
• Alert you that a payment is past due
• Use an alcohol-based hand sanitizer
• Send yourself a personal reminder.
• Eat healthy and drink lots of fluids
• Get plenty of rest and exercise Scheduled Transfers – Set up automatic transfers within
The Credit Union remains informed the Credit Union accounts you are linked to and you’ll
and prepared with a plan in place to have control over your distributions without having to
communicate information to you as well fill out forms to make a change. Schedule transfers to pay
as continue providing convenient access your VISA or other Credit Union loans and ensure those
to financial services online, at the ATM bills are paid on time. Set up an automatic transfer into your
or over the phone. Savings Account, Holiday Club, Escrow Account or even
You can: conduct your banking online your children’s accounts.
with Connect-24 and through our iDeposit-24 – Deposit checks from any
automated phone line Touch-24, speak Internet connection, no matter where
with someone in our Call Center during you are, and gain immediate access
regular business hours, get cash from to your funds. (Must be a qualified member,
one of more than 30,000 ATMs in our some limits and restrictions may apply.)
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.
Scammers use hoax e-mails, texts and phone messages • Don’t click on links within an unsolicited e-mail.
(spam) to convince you to provide your account
• Open attachments only from trusted sources.
information or, worse, to send them your money. Here are
some ways you can protect yourself: • Do not provide personal or financial information to
anyone who solicits it via e-mail, texts or phone messages.
• Do not respond, or even open unsolicited e-mails –
simply delete them. If you have questions or think you have been a victim of
• Never buy anything marketed by spam, especially if you fraud, contact a Credit Union representative. Watch for
get several copies of the advertisement. 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!
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.”
September/October ’09 | 9
Rosa Richburg
seasonal employee
full-time college student
switch
make the
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
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
Saving money
could take five minutes
One member came in to The changing economy has forced many people to take a look at their spending
discuss a possible refinance 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.
of a home loan. After
One member came in to discuss a possible refinance of a home loan. After
carefully reviewing the carefully reviewing the member’s complete financial picture we were able to suggest
member’s complete financial some better loan options. We saved him nearly $900 a month, allowing him to build
picture we were able to 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.
suggest some better loan
It only takes a few minutes for our staff to look at your entire financial picture and
options. We saved him nearly suggest better products to fit your needs while keeping your best interest in mind. If
$900 a month, allowing you’re feeling a financial pinch, here are some steps you can take.
him to build his savings and Chart your monthly income and expenses. Write down everything! This will
have a better cash flow! help you determine what you spend your money on and where you can make cuts.
Even the small expenses add up:
Another member was able to
refinance and take 20 years $3 each weekday morning for coffee is $780 a year
$10 for lunch twice a week is $1,040 a year
and thousands of dollars in
$75 for dinner out once a week is $3,900 a year
interest off his mortgage.
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 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.
PRSRT STD
U.S. Postage
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Albany, NY
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