While most CAP COM branches are providing full services, resources may be limited or unavailable at times due to the impact of COVID-19. Before heading to your favorite branch, please check the status of services via the location search or make an appointment. For assistance, call (800) 634-2340. Masks are required at CAP COM.
Beginning 12/31, users will no longer be able to use Internet Explorer to open a CAP COM account, apply for a loan, or check a loan status. For a full list of browsers supported by CAP COM and its platforms, please see our list of supported browsers.
LoanXpress in 4 Steps
If your LoanXpress loan(s) are already pre-approved, you can skip the usual application process. Here's how it works.
1. View Your Offers
Mobile.To view your LoanXpress offers via our CAP COM app choose "More" at the bottom right corner of your screen.
Online. To view your LoanXpress offers, log in to your CAP COM account. Then, choose LoanXpress from the menu at the top of the page.
2. Customize Them
View all of your LoanXpress offers on one screen. You can adjust the term and loan amount to see your estimated payment, too.
3. "Accept Offer" Button
When you click "Accept Offer" this signals you are interested in the loan. You can always review details and get answers to your questions before moving ahead.*
Note: Clicking "Accept Offer" may affect the status of your remaining LoanXpress offers.
Most loan documents can be signed via secure email, and the money can be deposited directly into your account.
Although this is a loan preapproval prescreen program, the member’s credit report is not affected. No inquiries will show on your credit report.
Yes! You can apply online or using the “Apply For A Loan” feature in our mobile app. We will review your application and reach out to you.
Specific offers will eventually expire. Please make note of the Offer Expiration Date found on your original Offer Letter. However, CAP COM will refresh LoanXpress offers quarterly. So, if your offer does expire before you have a chance to take advantage of it, you may receive a new offer to take its place on the very next day.
Your loan must be completed and funded by the time your offer expires. If you are considering an offer it is recommended that you accept the offer at least 5 days prior to the expiration date.
You may opt out of prescreen offers at any time by calling toll-free (888) 567-8688. You can also give CAP COM a call and we can make a note on your account that you do not want to receive LoanXpress offers.
1. These offers are made available to you on the condition that you have a sufficient and verifiable source of income to meet the payment obligation and there has been no material change in your financial condition or creditworthiness. CAP COM FCU retains the right to perform an additional review including, but not limited to, requiring verification of information or obtaining a consumer report to verify such information prior to loan disbursement. The Interest rate disclosed is accurate at the time this offer is made and may change based on the rate in effect at the time you accept the offer and become legally obligated for the loan. Taking advantage of one or more of the offers may affect your credit and the status of your remaining pre-approved offers. CAP COM FCU retains the right to perform an additional review if we become aware that such a change may have or has occurred. When property is necessary to secure a loan offer, the offer shall be subject to other conditions (unrelated to the financial condition or creditworthiness) such as, but not limited to, an acceptable valuation of the property offered and determination of clear title to such property. Offer valid for original recipient of offer. Offer is not transferable. If you would like to take advantage of multiple products or borrow a greater amount than you have been pre-approved for, you may be given an option to “Apply” within LoanXpress. This triggers a new loan application at which point a Lending Representative will follow up with you. Credit Union membership is required for loan disbursement. Other terms and rates are available.
PRODUCT SPECIFIC INFORMATION
Rates are accurate as of 1/1/2022 and are subject to change without notice.
Vehicle, RV or Boat Loan (New, Used or Refinanced)
Commercial vehicles do not qualify. Rate available on new loans only and not on existing CAP COM Loans. All rates quoted are the lowest available rates, actual rate will be based on overall credit worthiness. For illustrative purposes, the representative monthly Auto Loan payment based on a five-year term at a 2.99% fixed Annual Percentage Rate is $17.96 per $1,000 borrowed. Loans where the loan-to-value exceeds 100% may be subject to additional loan terms and conditions including, but not limited to, a higher interest rate. 90 day no-pay option is available for vehicles 7-years-old or newer. RV/Boat Loans: CAP COM will finance up to 90% of the sticker price (before tag, title, and tax) for new purchases, and up to 90% of the NADA High Value for used purchases. For illustrative purposes, the representative monthly RV/Boat Loan payment based on a ten-year term at a 6.49% fixed Annual Percentage Rate is $11.36 per $1,000 borrowed. Some restrictions apply. Ask about other terms and rates. Contact CAP COM for full details.
Home Equity Line of Credit
Mortgages in New York State only. CAP COM FCU NMLS Identifier: 401261. All Home Equity Line-of-Credit loans require a minimum initial advance of $5,000 and a minimum limit of $10,000. The rates quoted are based on a loan-to-value up to 80%. The representative monthly payment based on a 10-year term, in first mortgage position at a 3.875% Annual Percentage Rate is $10.07 per $1,000 borrowed. CAP COM will only hold first and second position mortgages. Contact CAP COM for full details. The Annual Percentage Rate (APR) shall be set at the time of funding and may be as high as the current Prime Rate plus 2%, with a maximum APR of 18%.
No closing costs on home equity lines of credits (HELOCs) up to $250,000. Discharge fees and overnight shipping charges are excluded where applicable. 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. Estimated recapture fee examples include $457 in closing costs and a maximum average of $2,475 in New York state mortgage tax for Albany, Schenectady, and Rensselaer counties. Actual closing costs and mortgage tax may be different.
Visa Platinum Credit Card
All rates quoted are the lowest available rates, actual rate will be based on overall credit worthiness. If you are upgrading or increasing your limit on an existing CAP COM Visa Credit Card, your "Pre-Approved Limit" includes the existing balance on your current card. A minimum limit or limit increase of $1,000 is required. Membership eligibility required. Restrictions apply. Refer to the credit card table for complete credit card disclosures. Contact CAP COM for full details.
Personal or Debt Consolidation Loan
All rates quoted are the lowest available rates, actual rate will be based on overall credit worthiness. A minimum of $500 borrowed is required. 2 year draw period for lines of credit with 3-5 year terms. The representative monthly payment based on a 5-year term Personal Loan at 7.49% Annual Percentage Rate is $20.03 per $1,000 borrowed. Restrictions apply. Contact CAP COM for full details.