While most CAP COM branches are providing full services, resources may be limited or unavailable at times due to the impact of COVID-19. 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.

Demand for loans is high. Click the orange button to get a head start. We’ll be in touch within 1-3 business days.

Refinance Your Mortgage

Lower Your Monthly Payment!

When mortgage rates are low, you can save big – and in more ways than one. Refinance your mortgage at a lower interest rate to:

  • Lower your payments
  • Increase your monthly cash flow
  • Pay less interest over the life of your loan
  • Reduce the length of your loan
  • Access funds with cash-out feature

Let our licensed loan officers answer your questions and take care of the details. Call (800) 634-2340 ext. 3129 or click below to apply now.

Apply Now

Fixed Rate MortgagesThis table is a list of fixed rate mortgage products. The first column is the product name. The remaining columns represent different rates and annual percentage rates, if purchased points are included and estimated monthly payments.
Rate APR1 Points Estimated Payment2
   %  %    
   %  %    
   %  %    
   %  %    
Adjustable Rate MortgagesThis table is a list of adjustable rate mortgage products. The first column is the product name. The remaining columns represent different rates, annual percentage rates, and if purchased points are included.
Rate APR1 Points
 3  %  %  
 3  %  %  
 3  %  %  

  1. APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall credit worthiness. Variable rates may increase over time. 

  2. ARM = Adjustable Rate Mortgage. Rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Ask about other rates and terms.

  3. Mortgage products in New York State only and offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205. CAP COM FCU NMLS Identifier: 401261.