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Membership has its advantages.

And, now we’re in your neighborhood!

CAP COM Membership Has Its Advantages

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


Higher dividends. Better rates.

We maximize value for our members.

Higher Dividends.  Better Rates.

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.


Exceptional, award-winning service

Unbridled commitment to our members and our community.

Exceptional, award-winning service

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.


Free products and services

You work hard for your money. Let it work harder for you.

Free Products and Services

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.

*Select Styles
**A 50-cent surcharge per withdrawal applies after 10 withdrawals made in one month from any combination of CO-OP, SUM or Stewart’s Shops ATMs.

Bank anywhere. Anytime.

Manage your finances on the go.

Bank anywhere. Anytime.

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!


Local and Dedicated to our Community

More than six decades of growth and service in the Capital Region.

Locally Grown

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.