Due to the impact of COVID-19, our Schenectady City Hall branch is temporarily closed. The rest of our CAP COM branches are fully operational. Before heading to your favorite branch, please check the status of services via the location search or make an appointment. For assistance, call (800) 634-2340. Masks are required at CAP COM.   

Beginning 12/31, users will no longer be able to use Internet Explorer to open a CAP COM account, apply for a loan, or check a loan status. For a full list of browsers supported by CAP COM and its platforms, please see our list of supported browsers.

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Make Your Own Savings Account

Save a trip to the branch and do it online.

What if you could create an account dedicated to a personal savings goal right now?

Guess what? You can! Build your savings like the “power savers” do and watch your money grow on its own.

Save for anything you can imagine

It’s your choice with CAP COM's Members' Choice Account. Once you set it up, see your savings grow right alongside your other accounts. What’s more, you can create as many of these “savings sub-accounts” as you want!

What are you saving for? 

Think of your sub-accounts as buckets of your overall savings (like folders, or money envelopes of times past). You can create a sub-account to save for Vacation, Home Maintenance, an Emergency Fund – the possibilities are infinite!

How to Open Your Members' Choice Account*

Log in to your account and have your driver's license or state ID handy. 

  1. From the menu, select Add an Account. 
  2. Choose "Add a Checking, Savings, Etc." 
  3. Under Product Types, select "Additional Savings."
  4. Select the "+" symbol next to Member Choice.
  5. Enter a nickname for your new account (optional). 
  6. Choose Add Account. Follow the prompts to finish. 

Rename your account any time. Say you want to change the name of your account. Or, you reach your goal and want to recycle the account for another purpose. Simply rename it! In your online Account Summary, click “Settings” and update the name.  

More ways to customize your account. You can reorder your accounts – or even hide them, so you're not tempted to use the money. In your online account, choose Settings to use these options.

Lots of CAP COM members are taking control of their finances and customizing their accounts in creative ways. It's truly inspiring.

*Processing a new account could be delayed if additional information is needed.