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Our branches will be closed on Thursday, November 26, for Thanksgiving Click here to learn more.

As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.

What Exactly is a Credit Union?

Wednesday, 14 October 2020 04:00

It’s time to clear up any confusion about what credit unions are and how we provide financial services that enhance your life.

A credit union is a financial institution that performs the functions of a bank, staffed by people devoted to your financial wellbeing – first and foremost.

As an account holder, you can access tons of services and bank in a branches, by phone, online, or with the credit union’s mobile app. Here’s a snapshot of popular services CAP COM offers.

People First

Where you’ll notice a real difference is the people who serve you. As not-for-profits, credit unions are owned by their account holders like you (members) and joining is just a matter of opening your account. Credit union professionals delight in finding ways to support you along your financial journey.


Fun Fact: Members have voted CAP COM “Best Customer Service" and “Best Credit Union” in Capital Region Living’s Bestie Awards.



One of our favorite things about being a credit union? Members own the place, YOU are the credit union’s top priority. You inspire every new product, every service enhancement, and every decision to keep serving you the best we can. At CAP COM, our mission is to “benefit every member, every time, every day.”


How do we demonstrate our people-first focus? As not-for-profits, credit unions return surplus earnings to you in the form of great rates and low or no fees.

Community Outreach

Have you seen us around town? Credit unions are always out and about because community service is central to our people-first philosophy. Look for CAP COM’s “Dream Big” van and teams of volunteers wearing their CAP COM Cares shirts. We support hundreds of local initiatives and non-profit partners.


Bank Where You Matter Most

Not a member of CAP COM yet? Join us and 140,000 of your neighbors who already bank here and open your account today!