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Member Benefits

Bank Where You Matter Most

#1 in service means putting people first. Together we can:

  • Explore your financial situation

  • Guide you to set realistic goals

  • Help you grow your business

  • Seek solutions for your needs

Join Us

Who can join?

Tools for Success

Free budgeting app, online & mobile banking, services for businesses, financial coaching

Save Money

Great rates, low or no fees, and thousands of surcharge-free CO-OP and Allpoint ATMs*

Bank Easy

Bank online or with the mobile app, friendly phone support, 11 local branches, 5,600 shared branches


Benefits for Life

CAP COM Premier

Find out how to qualify for FREE ATMs worldwide.  

Why pay ATM fees to withdraw your own money?  

When you qualify for Premier status, you’re entitled to a reimbursement of up to $5 on domestic ATM surcharges and International Service Assessments. 

See how you can achieve Premier status by completing 5 requirements. Then, use your CAP COM Debit Card everywhere you go! 

See Details & Get Started

Feel Great About Where You Bank

We asked people how they like banking with CAP COM and they told us what they love!6 When an organization values members and employees, award-winning service flourishes. We’re proud to be recognized by the people we serve and employ for: 

  • Best Service1
  • Best Credit Union2
  • Healthiest Employer3
  • Top Workplace4
  • Best Place to Work5  Every year since 2004!

Join Us


Master Your Money

*Members are not required to pay a fee at Allpoint and CO-OP ATMs. If a charge screen appears during your Allpoint ATM transaction, enter “yes” to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your account. The savings can be $3 or more per transaction. Please note, at international Allpoint and CO-OP ATMs, you will still be responsible for any Foreign Currency transaction fees charged by Mastercard® or Visa®

1. Capital Region Living Magazine “Besties” 2012 - 2020
2. Capital Region Living Magazine Besties “Besties” 2020
3. Albany Business Review – won in 2019 - 2020
4. Times Union - 2012 - 2020
5. Albany Business Review – Every year since 2004
6. Survey of CAP COM account holders (Spring 2020)