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A woman sitting looking at a lake on a sunny day.A woman sitting looking at a lake on a sunny day.

We’re Building Broadview for You

Visit this page for progress updates as we unite CAP COM and SEFCU.

We’re combining the best of CAP COM and SEFCU to form Broadview Federal Credit Union. Both credit unions are operating as divisions of Broadview. While we integrate our systems, you can keep banking as usual.

More locations! You can perform basic transactions at the combined credit union’s 61 branches.

  • Withdraw cash from branch ATMs without a fee

  • Make deposits, loan payments, account inquiries

  • Withdraw funds, take loan advances, transfer funds between credit union accounts

  • Review a history of account transactions or get a printout by date

As we add benefits, we’ll continue sharing highlights here, along with answers to common questions.


Highlights

☑ Get paid right away!
Your direct deposit goes into your account as soon as we receive it on weekday mornings, even if a future pay-date is specified.

☑ More no-fee ATMs.
Withdraw cash without a fee at branch ATMs, plus 55,000 Allpoint ATMs and 30,000 CO-OP ATMs.* Use our locator to find the nearest one.

☑ Gone! We got rid of our out-of-network ATM fees.
We won’t charge fees for out-of-network ATMs in the U.S. (just  remember, the ATM provider might).

☑ Stop a check for less.
You can stop a check or automatic withdrawal (ACH) for just $10. Compare that to $30 at big banks.

☑ Transfer fees are at least 50% lower.
Fees for automatic transfers from savings to cover shortfalls were reduced to $1.

☑ Affordable wire transfers.
Wire money to family and friends quickly, securely, and affordably.

☑ Free unlimited checks.
Teller checks at branches are free. And when you re-order personal checks, standard styles are free.

 


Questions & Answers

Over the course of several months, CAP COM and SEFCU will merge operations to become one credit union. Visit this page often for answers to your questions as we continue updating this resource for members.

Do you have a question not answered here? If you’re a member and want to be contacted with an answer, please submit your question. 

 

There are no plans to close branches, so keep visiting your favorite branch for service from the employees you know and love. To best support the needs of members and communities, we’ll continue reviewing the credit union’s footprint to match demand (just as we always have). We’ll also keep evaluating the need for branch expansion.

As of August 1, 2022, legacy CAP COM members will enjoy extended Contact Center hours. Contact Center business hours for both divisions of Broadview FCU will be Monday-Friday, 7:00 a.m. to 7:00 p.m., and Saturday, 8:00 a.m. to 2:00 p.m. Branches will continue to offer the same hours, and any changes will be shared with you in advance.

Starting August 1, you can perform basic transactions at any Broadview credit union location. Please note that branches will retain the legacy SEFCU and CAP COM signage at this time. You can make deposits, loan payments, and account inquiries. You can withdraw money, take loan advances, and transfer funds between credit union accounts. Plus, you can review a history of your account transactions or obtain a printout by date.

This is just the beginning to the many shared services you will enjoy. It will take several months to fully merge the systems of the two credit unions, and we’ll be sure to let you know as new services are available.


About Your Accounts

If any changes to your member number and account numbers are necessary, you’ll be notified well in advance. As always, you can count on our credit union professionals to guide you through any transitions and answer your questions.

Rest assured that we have your convenience and satisfaction in mind and will do our very best to minimize any impact to you and will communicate any changes with you well in advance.

Rest assured that we have your convenience and satisfaction in mind and will do our very best to minimize any impact to you and will communicate any changes with you well in advance.

No. Both divisions of Broadview – SEFCU and CAP COM – offer many similar products and services. If you tend to do most of your banking at one of the two credit unions, keep banking as usual. As we transition to a single set of systems, our staff can walk you through universal product offerings, help with transactions, and provide additional support.

You will need to maintain $1 on deposit to be a member of Broadview FCU. This deposit can be with either the SEFCU or CAP COM division.

Federal share insurance coverage can extend beyond the standard $250,000 if your accounts are set up properly. No immediate action is needed because you have through January 31, 2023 for us to help you to organize your accounts. Our team can review your options and help you get ample coverage for your accounts during that period.

Put your worries aside because once you’re a member here, you are part of our credit union community. We want you to be happy with the services we provide and bank with us for life! If you are a member in good standing with either organization, you will maintain your membership.


About Products and Services You May Use

No. At this time, your direct deposit and automatic payments will continue to work as they do today. If there are any changes needed in the future, we will communicate these to you well in advance.

Rest assured that we have your convenience and satisfaction in mind and will do our very best to minimize any impact to you and will communicate any changes with you well in advance.

Yes. Broadview members will now have access to both the Allpoint and CO-OP surcharge-free ATM networks. In addition, Broadview members will now have free access to all legacy SEFCU and CAP COM proprietary ATMs.*  

Instant Issue for debit cards is available to legacy CAP COM cardholders in legacy CAP COM branches. As this becomes available to legacy SEFCU cardholders in legacy SEFCU branches, we will be sure to communicate in advance.

Yes. At this time, your checks will continue to work as they do today. If there are any changes needed in the future, we will communicate these to you well in advance.

Rest assured that we have your convenience and satisfaction in mind and will do our very best to minimize any impact to you and will communicate any changes with you well in advance.

While you can perform online or branch transactions at CAP COM or SEFCU, divisions of Broadview, transactions between accounts at each organization should be conducted the same way they are today.


About Fees, Rates and Service Charges

Our goal is to offer financial solutions with the most favorable rates and lowest fees by selecting the best from each credit union wherever that’s possible, so members benefit.

Yes. Legacy SEFCU will no longer charge fees for ATM balance inquiries, or transactions at non-SEFCU ATMs. All Broadview members also now have access to both the Allpoint and CO-OP surcharge-free ATM networks.* Additionally, ATM surcharges at Stewart’s Shops will not exceed $1 (any overage will be reimbursed to member accounts daily).

Yes. Standard checks for both SEFCU and CAP COM checking accounts can be ordered free of charge. You may also obtain counter checks at either credit union at no cost to you.

No. Coin sorters will be free at all Broadview (legacy SEFCU and CAP COM) locations.

Yes. For legacy SEFCU members, deposited checks can potentially clear sooner. That’s because Saturday will now be considered a business day (for the purposes of check holds). New members joining the credit union will observe Broadview check hold policies.


About Your Loan(s)

You will continue to have these loans and be responsible for repayment as you are today.

Our goal is to offer financial solutions with the most favorable rates by selecting the best from each credit union wherever that’s possible, so members benefit.

For the most part, Broadview will offer the same loan products as legacy SEFCU and CAP COM. Loan options will be clearly outlined on our web site(s) and our staff is always ready to discuss the best alternatives for you when you’re ready to borrow.


About the Merger

You can find the most up-to-date information and updates on the merger at www.sefcu.com/united or www.capcomfcu.org/united

Our new name is Broadview Federal Credit Union once the two credit unions come together as one. Merging operations will be a gradual process, over several months. CAP COM and SEFCU will operate as divisions of Broadview FCU as we integrate the two organizations. Members can bank as usual.


As we introduce the Broadview FCU name, you’ll start seeing it on some of our printed materials and online channels. We look forward to bringing the Broadview brand to life, uniting the best services from both credit unions – with the best employees around – to care for your financial needs.

Michael Castellana is CEO of the unified credit union and Christopher McKenna is President. Patrick Kelly will serve as Chair of the Board of Directors, and the Board includes members from both legacy credit unions. Michael, Chris, Patrick, and Broadview’s combined leadership team brings decades of industry experience, subject matter expertise, and an unwavering commitment to providing you with fantastic products, services, and support.

You will experience no immediate changes in the services you use. Continue using your debit and credit cards, making deposits, submitting loan payments, and writing checks. Keep banking online or at your favorite branch – plus now you can perform basic transactions at all Broadview division branches (see About Our Locations, above). Uniting the two credit unions will be a gradual process over many months. Any account-related changes will be gradual with lots of communication and support for our teams. As we combine services, we will proceed in measured steps and remain mindful of your needs.

We have lots of work ahead as our two organizations truly become one. The integration process will take several months. Now though for members, it’s business as usual. All the great services you’re using today will continue without interruption. To ensure a smooth transition, changes and enhancements will be communicated well in advance. As always, we are here to answer any questions you may have.

Your new credit union will serve nearly 500,000 members and employ 1,400 people. 61 branches will extend from the Capital Region through Central New York and the Southern Tier, all the way to Buffalo. We will be among the largest credit unions in New York and the top 30 in the U.S.

Message to Members

Read the Message

*Members are not required to pay a fee at Allpoint 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®