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How to Afford Student Loan Payments
From 2020 until the fall of 2023, most borrowers of federal student loans were not required to make payments. COVID-19 emergency relief measures paused the payments and set interest rates to 0%. This step was welcomed by borrowers who faced financial strain during the pandemic. With the pause officially ending in October 2023, these changes affect the finances of many student loan borrowers – and it can feel overwhelming. Yes, we can hear the groans and are here to help.
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Three Sobering Thoughts Hurting Your Retirement
to about 8% -– the highest observed wage growth rate since the series began in 2006. But that massive ... the future. Sobering Thought #3: Low Interest Rates If low wage growth and rising inflation wasn’t bad
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3 Financial Moves to Consider Before Ringing in the New Year
Although you don't have to wait until January to begin working on your financial goals, a new year may bring a much-needed fresh start on your spending and saving goals.
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Deposit Checks by Phone. Done!
Save time and effort by depositing checks with your mobile phone. As soon as you receive the check, launch CAP COM’s mobile app to deposit it. In the blink of an eye, you’re done!
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A Survival Guide for a Bear Market
(BPS) is used to calculate changes in interest rates, equity indexes (stock market), and fixed-income ... results. Basis Points are a unit relating to interest rates that is equal to 1/100th of a percentage point.
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April 22 Market Update
Ukraine, inflationary pressures, and surging interest rates. However, over the intermediate term, the path forward ... Reserve policies, global diplomatic efforts, and rates. Why? For one reason—earnings from corporate America
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Home
CAP COM, a Division of Broadview Federal Credit Union, is a nationally-recognized, member-owned credit union that provides a complete range of financial products and services to meet the needs of your family.
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Glossary of Terms
To understand investment matters, start with the lingo.
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Car Buyers Express
Click! Save! Drive! CAP COM partners with the Capital Region’s most highly respected dealers to deliver pre-negotiated discounts on new and used vehicles for our members. Try our savings calculator to see what you can afford.
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September 28, 2022 Market Update
markets due to high inflation and rising interest rates, and we thought it was an important time to take ... as the Federal Reserve (Fed) continues to raise rates to control inflation. We believe the Fed is doing
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March 13 2023 Market Update
problem this time, it is interest rate risk. Rising interest rates caused the value of the bonds on SVB’s ... interest rate sensitive Treasury and other government securities, with insufficient interest rate hedging
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Investing vs. Saving: Key Differences and Why Your Money Mindset Matters
You often hear people discuss "saving for retirement,” but in many cases, they're actually referring to their investing.
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Financial Freedom, Market Volatility, and You
If recent market volatility has you questioning your opportunities for financial freedom, you are not alone. Due to rising inflation, higher interest rates, a volatile stock market, and recession fears, many investors find themselves wondering how to proceed.
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Facing Down the Fear of Running out of Money
Retirement is a major milestone that brings many life changes. One thing that doesn't change for most people: the fear of running out of money.
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Worried About Your Financial Health? It May Be Time For A Checkup
Consider these seven steps that you can take to assist you in evaluating where you stand financially and to help you determine a reasonable course of action to plan for the future.
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Leveraging Your Home’s Equity Can Open Possibilities
A Home Equity Line of Credit (HELOC), allows you, as a homeowner, to leverage the value of your home to borrow money for things like home improvement projects, college expenses, or even to pay off your existing mortgage. Learn more from our CAP COM expert.
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Jan 4 2023 Market Update
that the Federal Reserve will stop hiking interest rates in the first half of 2023, which may help give stock ... and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds
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Credit Cards
All CAP COM VISA cards come with a range of Standard Benefits, from EMV microchip protection to mobile payment systems, that enhance your security and improve your experience. Easily manage your CAP COM VISA card account online. View your balance, track purchases, make payments, request a credit-limit increase, and more!
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Retirement Annuities Explained: What They Are and How They Work
Having enough retirement income for what you need and want is essential and must be planned for, even in the best economic conditions. A way to provide income safety is by using annuities as an asset class in your retirement portfolio.
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CAP COM Merges with Postal Employees of Troy, NY FCU
The members of Postal Employees of Troy, NY Federal Credit Union (PETFCU) have unanimously approved a merger with CAP COM Federal Credit Union (CAP COM) at a special member meeting held on September 12, 2019.
