Routing Number 221373273
Our branches will be closing early on Tuesday, December 10. Click here to learn more.
All branches will close early on Tuesday, December 10 for a company-wide staff meeting. Our Brunswick, Glenmont, Malta, and North Greenbush branches will close at 3:30 pm; all other branches will close at 4 pm.
Our Call Center will remain open until 4:30 pm as usual. For your convenience, our automated phone system will be available, and you will continue to have full access to web and mobile banking.
The experts at CAP COM’s mortgage subsidiary, Homeowners Advantage, live and work in the Capital Region and will be with you every step of the way. Keep your mortgage close to home with local appraisal, underwriting and servicing.* To get started, we’ll help you get pre-qualified, in person or over the phone, and find the best mortgage solution for you.
Our pre-qualification process is quick and easy. Call us at (800) 468-5500 ext. 3129 or click below to submit a short application. We’ll help you find an affordable mortgage solution that meets your needs. Then, we’ll give you a pre-qualification letter you can use to make your offer.
Pre-qualification provides an estimate of your borrowing power based on information you provide about your income and assets, and sometimes includes a credit check. Pre-qualification is not a guarantee or any type of loan commitment. Homeowners Advantage offers this service at no charge, and it can be done over the phone or online.
The Community Heroes Mortgage Program is CAP COM's way of saying "thank you" to those who dedicate their lives to our wellbeing. Receive $1,000+ in cash/discounts toward the purchase of your home. You're eligible if you are in the U.S. military (active-duty or veteran), or work in law enforcement, fire and rescue, healthcare, or education. Every mortgage we offer is included, featuring some of the best rates around! Click below to get started or call (800) 468-5500, ext. 3129 24/7.
There are advantages to both renting and buying. Are you ready to own a home and start building equity? Ask yourself: Would I need to make major changes in my lifestyle to buy a home? Could I still maintain my other savings goals? We specialize in helping first-time homebuyers make this important decision. We also help find solutions with lower down payments, options with no PMI and other ways to lower closing costs.
Home is where you make memories, so make sure you have the policy you need when protection matters most. Review your homeowners insurance policy regularly to make sure you have enough coverage for the upgrades you make or the items in your home. We've been able to provide quotes for members looking to switch both their auto and homeowners insurance that saves an average of $500 a year. What could you do with an extra $500?
Coverage options available through CAP COM Insurance Services include:
For more information, call (866) 923-6428.
Your mortgage team at Homeowners Advantage, a CAP COM subsidiary, makes you their top priority. From pre-qualification all the way through to your final loan payment, we’re here to be your guide. Your mortgage loan is even serviced locally* instead of by a financial conglomerate (a rarity these days). And, it’s easy to make payments any way you like, including at your local CAP COM branch, or by setting up automated payments for on-time peace of mind.
To set up automatic, recurring mortgage payments, simply click on your mortgage in Connect-24 and select the “Payment Options” tab.