Member Benefits

Bank Where You Matter Most

Man playing around with his son

#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 ATMs¹

Bank Easy

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

Graphic compilation of positive quotes from actual CAP COM members

Feel Great About Where You Bank

We asked people how they like banking with CAP COM and they told us what they love!2 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 Service3
  • Best Credit Union4
  • Healthiest Employer5
  • Top Workplace6
  • Best Place to Work7  Every year since 2004!

Join Us

  1. 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®

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