Routing Number 221373273
Our branches will be closed on Monday, February 18, for Presidents' Day. Click here to learn more.
We will be closed on Monday, February 18, for Presidents' Day. For your convenience, our automated phone system will be available, and you will continue to have full access to web and mobile banking.
CAP COM is a member-owned, not-for-profit credit union that provides a complete range of financial products and services. Visit our newest branch in Malta! From savings, checking and credit cards, to auto loans, mortgages, investments and retirement planning, we have the solution you need. Ask if you are eligible to receive free ATMs with our CAP COM Premier Program.
While banks must drive profit for their shareholders, CAP COM is owned and operated for the benefit of our members. That means higher dividends on your Savings, Money Market, Certificates and IRAs, and lower-than-market rates on Auto Loans, Mortgages, Credit Cards and Lines of Credit. In a nutshell, CAP COM is designed to help your money work harder for you, not the other way around.
CAP COM’s commitment “to benefit every member, every time, every day,” was nationally recognized by Raddon Financial Group’s Crystal Loyalty Award in 2014, and we've been voted “Best in Customer Service” by readers of Capital Region Living magazine and named among the best employers in the Capital Region by both the Capital District Business Review and the Albany Times Union multiple years in a row. Become a member. Experience the difference.
From Checking Accounts with no monthly fees, free checks for life*, and a surcharge-free** network of more than 30,000 ATMs, to Free Mobile Deposit, Credit Cards with no annual fees or balance transfer fees, and complimentary notary services for members, you never have to worry about being nickel-and-dimed when you’re a CAP COM member.
Start with a top-rated mobile banking application and SMS/text notifications. Add a robust online-banking platform including Money Management software, a network of 30,000+ ATMs and more than 5,000 shared branch locations across the United States, and you can transfer funds, pay bills, deposit checks, send money to friends, and manage your finances from virtually anywhere!
CAP COM was established in Albany, NY in 1953. Now, 60 years later, we have grown to more than 116,000 members and more than 700 member companies in the greater Capital Region. Since its inception in 2003, the CAP COM Cares Foundation has donated thousands of volunteer hours, millions of dollars and partnered with more than 100 local non-profits and charitable organizations to help our communities grow and flourish.