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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.

Community Heroes

You give back to make our community a better place.
Now it's our turn to give back to you.

($1,000+ value)


Community Heroes – you dedicate your lives to our wellbeing. You protect us from harm. You open our hearts and minds to the world. You heal the hurt, and make us stronger.

The Community Heroes Mortgage Program* is CAP COM's way of saying "thank you." Receive full Community Hero benefits, if you work in a professional or support role for:

As a Community Hero, you will receive $1,000+ in cash/discounts toward your home purchase. This program covers every mortgage we offer. Enjoy some of the best mortgage rates around, and our award-winning, personalized service!

When you're ready to make the house of your dreams a reality, let us guide you home. This is what you receive:

    • $500 cash deposit after your closing (with CAP COM direct deposit and auto-pay)
    • Complimentary personal real estate attorney representation (optional, estimated value: $500)
    • A discount on the home inspector’s fee (limited to participating providers)
    • A personal Community Hero Advocate Team to manage all your mortgage needs
    • An affordable mortgage that matches budget

Bonus: If you are low on cash and are credit-qualified, we will seek ways to remove that barrier with our 100% financing mortgage product.

Let's Get Started

Beging your application below. Once you speak with a Mortgage Loan Officer, just mention you are a Community Hero!


* Mortgage products are offered by CAP COM's mortgage team, Homeowners Advantage. Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive.
– Mortgage is restricted to the primary residence (purchase only) located in New York State.
– Must be credit qualified and eligible for CAP COM membership. A CAP COM checking account with payroll direct deposit and automatic mortgage payments is required.
– The $500 deposit will be made to the program participant's CAP COM checking account within 30 days of the closing, upon verification of all eligibility requirements.
– Personal real estate attorney fee waiver is a $500 credit, not redeemable as cash.
– You are not required to use the program service provider(s) as a condition of the purchase of the subject property. You may use an alternative provider offering a similar service, however related discounts and other savings will not be available to you.
– Proof of employment in healthcare, education, law enforcement, fire and rescue, U.S. military, or veteran status is required to be eligible for the Community Heroes Mortgage Program.
Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), and are not NCUA insured. Homeowners Advantage is a subsidiary of CAP COM FCU. Mortgages in New York State only. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205. CAP COM FCU NMLS Identifier: 401261.