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Rates

Savings Account Rates

Min. To Earn APYRateAPY*
Youth Account (Minimum $1.00 to open)$.01 to $2,499.990.100.10
$2,500.00 to $9,999.990.150.15
$10,000.00 and over0.150.15
Regular and IRA Savings Accounts$.01 to $99.990.000.00
$100.00 to $2,499.990.100.10
$2,500.00 to $9,999.990.150.15
$10,000.00 and over0.150.15
Health Savings Account$.01 to $2,499.990.150.15
$2,500.00 and over0.200.20
Club and Escrow$.01 to $99.990.000.00
$100.00 to $2,499.990.100.10
$2,500.00 to $9,999.99 0.150.15
$10,000.00 and over0.150.15
*Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today‘s date. Minimum to open regular account is $25.00 and minimum to open youth account is $1.00. Minimum to earn the disclosed APY is specified above. Fees and other conditions may reduce earnings.

Checking Account Rates

Min. To Earn APYRateAPY*
Consumers’ Choice Free CheckingNo minimum/no fee.0.000.00
Young Adult Checking**No minimum/no fee.0.000.00
Members' Advantage Dividend Checking$500 Minimum Monthly Average Balance to Earn Dividends.0.050.05
Investors’ Advantage Dividend Checking***$1,000 Minimum Monthly Average Balance to Earn Dividends.0.100.10
*Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today‘s date. Fees and other conditions may reduce earnings.
**Must be 15-25 years old, 15-17 eligible only with adult joint owner
***Investors' Advantage Money Market required to open

Money Market Rates

Min. To Earn APYRateAPY*
Investors' Advantage Money Market Account**.01 to $2,499.990.000.00
$2,500 to $9,999.990.100.10
$10,000 to $24,999.990.200.20
$25,000 to $49,999.990.250.25
$50,000 and over0.300.30
Premier Advantage Money Market Account**.01 to $59,999.990.000.00
$60,000 and over0.490.50
*Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today‘s date. Minimum to open account is $25.00 and minimum to earn the disclosed APY is specified above. Fees and other conditions may reduce earnings.
**During any month, no more than a total of six (6) preauthorized automatic transfers, checks or ACH debits are allowed from a Money Market Account to a third party. There is no restriction on the number of cash withdrawals that can be made from the account. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.

Special Certificates

Minimum BalanceRateAPY*
11 Month Special$500 for Savings $500 for IRA**0.840.85
17 Month Special$500 for Savings $500 for IRA**0.991.00
21 Month Monthly Allowance Certificate***$5,000/$500 for Savings IRA not offered1.091.10
23 Month Special (limited time only)$500 for Savings $500 for IRA**1.091.10
30 Month Special (limited time only)$500 for Savings $500 for IRA**1.191.20

Certificates

Minimum to open and obtain APYIRA OfferedRateAPY*
3 Month$500 for Savings $500 for IRA**Yes0.200.20
6 Month$500 for Savings $500 for IRA**Yes0.250.25
12 Month$500 for Savings $500 for IRA**Yes0.390.40
24 Month$500 for Savings $500 for IRA**Yes0.740.75
36 Month$500 for Savings $500 for IRA**Yes0.991.00
48 Month$500 for Savings $500 for IRA**Yes1.241.25
60 Month$500 for Savings $500 for IRA**Yes1.481.50
9 Month Youth Certificate (Certifikid)$100 for SavingsNo0.390.40
18 Month Youth Certificate (Certifikid)$100 for SavingsNo0.490.50
36 Month Youth Certificate (Certifikid)$100 for SavingsNo0.991.00
12 Month Lucky Savers****$25 for SavingsNo0.390.40
12 Month iSave** $100 for Savings No0.390.40
18 Month iSave** $100 for Savings No0.490.50
36 Month iSave** $100 for Savings No0.991.00
*Annual Percentage Yield. APY is accurate as of today’s date. Dividends are compounded daily and posted quarterly and fees and other conditions may reduce earnings. Penalties may apply for early withdrawal. Minimum to open and obtain APY for Share Certificates is specified above.
**Minimum balance waived if certificate is payroll deducted. Cash, check and account transfer deposits limited to $30,000 during the term of a non-IRA certificate. No limitation on the amount that can be deposited by payroll deduction (IRAs subject to maximum annual contribution limits).
***One withdrawal each calendar month up to $2,500 may be taken without penalty. One additional withdrawal of any amount may be taken penalty free throughout the term of the certificate. If subsequent withdrawals are made, a penalty may be assessed. A minimum amount of $5,000 is required to open the certificate and a $500 minimum is required to earn dividends.
****Additional deposits are allowed to Lucky Savers Certificates and are encouraged in order to receive additional prize entries. One withdrawal is allowed during the term, but a $25 penalty will be assessed. New York law requires that a Lucky Savers Certificate be closed if a subsequent withdrawal is requested and processed during the term. An additional $25 early withdrawal fee will be assesed at the time of closure. Refer to the Lucky Savers Truth-in-Savings Disclosure and Official Lucky Savers Account and Prize Rules for complete program details.

Home Equity Line of Credit Rates

TermAPR*ParametersPositions/LTV1Draw Period
5 Years2.750Fixed1st / 70% LTV4 years
10 Years3.250Fixed1st / 70% LTV4 years
15 Years3.500Fixed1st / 70% LTV4 years
20 Years4.750Fixed1st / 70% LTV4 years
20 Years4.500Variable**1st / 80% LTV10 years
5 Years3.250Fixed2nd / 70% LTV4 years
10 Years3.500Fixed2nd / 70% LTV4 years
15 Years4.250Fixed2nd / 70% LTV4 years
20 Years5.500Fixed2nd / 70% LTV4 years
20 Years4.500Variable**2nd / 90% LTV10 years
20 Years6.500Variable**2nd / 91-100% LTV10 years
*Annual Percentage Rate
**Rate is subject to adjustment annually and the first rate adjustment will occur one year from the loan funding date.
1A first position loan is the primary lien against your property - this is usually a traditional mortgage or can be in the form of a Home Equity Loan. A second position Home Equity Loan is on top of your first mortgage. Loan to Value. Total loan amount including first mortgage ÷ property value = LTV. For instance, an appraised value of $200,000 and a total mortgage (including any second mortgages) of $180,000 results in a loan to value ratio of 90%. Interest rates will increase based on loan to value.
Mortgages in New York State only. All Lines of Credit require a minimum initial advance of $5,000 and a minimum limit of $10,000. Other rates are available. Sample payment for a 15-year fixed loan at 4.00% is $7.40 per $1,000. Rates are subject to change without notice.
If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf.
CAP COM FCU NMLS Identifier: 401261.

Auto Loan Rates

All rates include .25% discount for automatic payments*
 Model Years 2012-2017Model Years 2008-2011Model Years 2007 and Older
 Annual Percentage Rate
2 Years1.992.244.99
3 Years2.092.495.49
4 Years2.192.745.74
5 Years2.242.99**N/A
6 Years2.49N/AN/A
7 Years3.74***N/AN/A
New financing (MSRP + taxes + dealer fees)
Used (NADA retail value + taxes + dealer fees)
*All rates quoted are the lowest fixed rates and are for individuals with excellent credit, who select our automatic payment plan.
**Model years 2010 - 2011
***7 Year Loans - Minimum $25,000, will finance up to 100%, available to credit worthy applicants.

RV / Boat Loan Rates

APR* (New)APR* (Used)
5 Years4.244.50
10 Years8.749.24
*Annual Percentage Rate
All Rates are fixed
All recreational vehicles must be registered and titled in New York State.

Personal Loan Rates

TypeAPR*
2 Years6.49
3 Years6.74
4 Years6.99
5 Years7.24
*Annual Percentage Rate
All Rates are fixed

Credit Card Rates

TypeAPR*Parameters
Platinum Visa9.90Fixed
Classic Visa13.90Fixed
*Annual Percentage Rate

Education Loan Rates

APR*Parameters
Academic Advantage15 Years Prime + 4.00%. Minimum 5% APR*7.50Variable
*Annual Percentage Rate

Checking Line of Credit Rates

TypeAPR*Parameters
Checking Line of Credit13.50Variable
*Annual Percentage Rate. This is a variable rate loan and the rate may change.

Mortgage Rates

RateAPR*PointsEstimated Payment
30-year Fixed4.0004.0540.0$716.12
20-year Fixed3.7503.8320.0$889.33
15-year Fixed3.2503.3430.0$1,054.00
10-year Fixed3.2503.4000.0$1,465.79
FHA 30-year Fixed3.7505.7890.0$694.67
*Annual percentage rate
RateAPR*Points
10/1 ARM†3.0003.2220.0
7/1 ARM† 2.7503.1560.0
5/1 ARM†2.5003.1390.0
5/5 ARM†3.0004.2710.0
*Annual percentage rate
†Adjustable rate mortgage
Mortgage products are offered by our Mortgage team, Homeowners Advantage. Mortgages in New York State only. Rates as of Friday December 9th , 2016 at 10:40 AM Information is based on a loan amount of $150,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.
ARM 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.
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.

Essential Savings Account Rates

RateAPY*
Essential Savings0.100.10
Essential Club0.100.10
*Annual Percentage Yield
$100 Minimum Average Daily Balance to Earn Dividends During any month, no more than a total of six (6) preauthorized automatic transfers, checks or ACH debits are allowed from a Money Market Account to a third party. There is no restriction on the number of cash withdrawals that can be made from the account. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.

Essential Checking Account Rates

Min. To Earn APYRateAPY*
Organizational CheckingNo minimum/no fee.0.150.15
IOLA Checking$0 Minimum Average Daily Balance to Earn Dividends0.150.15
Ease Checking$500 Minimum Daily Average Balance to Earn Dividends.0.050.05
Edge Checking$2,500 Minimum Daily Average Balance to Earn Dividends.0.100.10
Elite Checking$7,500 Minimum Daily Average Balance to Earn Dividends.0.100.10
*Annual Percentage Yield

Essential Money Market Rates

Min. To Earn APYRateAPY*
Essential Money Market.01 to $2,499.990.000.00
$2,500 to $9,999.990.100.10
$10,000 to $24,999.990.200.20
$25,000 to $49,999.990.250.25
$50,000 and over0.300.30
Premier Money Market.01 to $59,999.990.000.00
$60,000 and over0.490.50
*Annual Percentage Yield
During any month, no more than a total of six (6) preauthorized automatic transfers, checks or ACH debits are allowed from a Money Market Account to a third party. There is no restriction on the number of cash withdrawals that can be made from the account. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.

Essential Certificate Rates

RateAPY*
3 Month0.200.20
6 Month0.250.25
12 Month0.390.40
24 Month0.740.75
36 Month0.991.00
48 Month1.241.25
60 Month1.481.50
*Annual Percentage Yield
A minimum amount of $5,000 is required to open the certificate. Certificate dividends are compounded daily and posted quarterly. The APY on all accounts, except Certificates, may change after the account is opened. A penalty may be imposed for early withdrawals on Certificates. Fees and other conditions may reduce the earnings on some accounts. Accounts are insured by NCUA in accordance with federal regulations.

Essential Special Certificate Rates

RateAPY*
11 Month Special0.840.85
17 Month Special0.991.00
21 Month Monthly Allowance Certificate**1.091.10
23 Month Special1.091.10
30 Month Special1.191.20
*Annual Percentage Yield
**One withdrawal each calendar month up to $2500 may be taken without penalty. One additional withdrawal of any amount may be taken penalty free throughout the term of the certificate. If subsequent withdrawals are made, a penalty may be assessed. A minimum amount of $5,000 is required to open the certificate and a $5,000 minimum is required to earn dividends.
Certificate dividends are compounded daily and posted quarterly. The APY on all accounts, except Certificates, may change after the account is opened. A penalty may be imposed for early withdrawals on Certificates. Fees and other conditions may reduce the earnings on some accounts. Accounts are insured by NCUA in accordance with federal regulations.

Business Checking Line of Credit Rates

Rate*
Business Checking Line of Credit13.50
*Annual Percentage Rate. All Rates subject to change.

Business Credit Cards Rates

Rate*
Business Credit Card13.90
*Annual Percentage Rate. All Rates subject to change.

Business Auto Loans Rates

Rate*
5 yearsNew & Used Model Years: 2011-20164.94
6 yearsNew & Used Model Years: 2011-20165.94
4 yearsModel Years: 2010 & older5.34
*Annual Percentage Rate. All rates subject to change. 100% financing (retail value + taxes + dealer fees + Car Buyers fee)

Business Special Vehicle / Equipment Loans Rates

Rate*
5 yearsNew 70% MSRP not including taxes and fees8.25
Used 70% NADA mid value not including taxes9.50
*Annual Percentage Rate. All rates subject to change.