College Bound

Helping families make life's important financial decisions

College students in a dorm room

How your family benefits:

  • Expert advice to help you navigate the college funding process
  • FREE private family consultations for members
  • Certified College Funding Specialists on staff ready to help you
  • Develop strategies to obtain funding
  • Create a personalized financing plan

Contact Us

Paying for College

CAP COM helps HS students and their families with this major investment. Watch the on-demand webinar. 
Download the Monthly Budgeting Worksheet (PDF)

Zero Closing Cost HELOC

A Home Equity Line of Credit1 is one way to pay for college. Draw money as you need it each year.

Apply Now

Family members meeting at table

Family Consultation

Meet with us 1-on-1 in a preliminary meeting with the student and parent(s)/guardians(s). We'll provide an overview of college planning, financial aid, and college funding options. We can help you every step of the way.


Schedule Your Appointment

Save Time Before Appointment

Before your family consultation, please complete the College Bound student information worksheet and bring it with you to your appointment. This will save you time at your appointment.

Download the Student Info Worksheet (PDF)

Fingers flipping through school papers
Smiling student working on a paper

Resources for Students

College Bound has compiled a list of resources to help you with:

  • College search
  • Funding sources
  • Applications
  • Planning a visit
  • Best places to buy books

Download Our Brochure with Resource Links (PDF)

College Planning Process

Watch the webcast to learn tips for how to plan for, apply to, and pay for college. Host Chris Fasano discusses strategies with Kim Donah, CAP COM's Certified College Funding Specialist.

Shortcuts to major topics:

Student taking a test

Discounts for Students

CAP COM members save 10% on ACT & SAT test preparation with Prowess Test Prep, an Albany-based company that offers one-on-one tutoring, small group tutoring, and group classes. Visit and tell them you are a CAP COM member for your discount.

I Was CAP COM's Priority

Katherine member testimonial

“(College Specialist) Kim Donah was very patient with me and walked me through how the loan could affect my future income. She even gave me advice on my resume and skills that impress human resource departments!”

- Kathryn, Clifton Park

Katherine member testimonial

Learning Center

Bank Well, Live Well

Simplify your finances and enhance your life. Make the most of every CAP COM benefit.

Mastering Your Savings

Create savings accounts to put away money for specific goals. You can name them whatever you wish, such as College Savings, Spring Break, Summer Job.

Customize Your Savings

Get Our Mobile App

Your personal branch is open 24/7 when you bank with our mobile app. See balances, make transfers, pay bills, and more.

Bank On The Go

Free ATMs Everywhere

Young adult checking accounts include FREE ATM use worldwide for members age 15-25.

Learn More

  1. 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%. A representative monthly payment based on a fixed, 10-year term Home Equity Line of Credit in first mortgage position at a 3.875% Annual Percentage Rate is $10.07 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice. 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.

    All Lines of Credit require a minimum initial advance of $5,000 and a minimum limit of $10,000. Other rates are available and subject to change without notice. Mortgages in New York State only. CAP COM FCU NMLS Identifier: 401261.