Capital Communications


4 Winners Circle
Albany, NY 12205
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.50% 0.70% →
2-Year CD 0.60% 0.75% →
5-Year CD 0.75% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Capital Communications is an NCUA insured institution located in Albany, NY. It was founded in 1953 and has approximately $2294.79 millions in assets.

Who can join?

A member of one of their 500 companies that offers Capital Communications Credit Union membership as a free employee benefit to their staff.
Those who fall within field of membership are eligible to join.
Family of members also receive benefits.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8658
Date Established 1953
Assets $2,294.79 million
Loans $1,947.18 million
Deposits $2,008.76 million
Capital $220.88 million

Field of Membership Restrictions

Membership in Capital Communications Federal Credit Union is open to those who live, work, attend school or worship in the cities of Cohoes, Mechanicville, Rensselaer, Schenectady, Troy, Watervliet , or Albany and the town of Green Island, New York. Membership is also open to employees of 3M Health Information Systems, Albany Police Department, Time Warner Telecom and over 200 locall Employer Groups.

Deposit Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
Special: 11 Mo CD
0.50% $500 - Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CAPITAL COMMUNICATIONS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.815% 2.750% 0.88 $2,115 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Capital Communications branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Capital Communications Locations

Financial Details

Capital Communications Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital Communications. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Capital Communications U.S. Average
7.97% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Capital Communications had $18,623,703 in non-current loans and $1,247,005 in owned assets. To cover these potential losses it had $220,879,193 in net worth and $28,519,289 in loans loss reserves. That gives it a Texas Ratio of 7.97%.

Net Worth
Capital Communications U.S. Average
9.62% 12.67%

Capital Communications FCU has a net worth of 9.62% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Capital Communications

Branches and Savings

What is Capital Communications?

A federal credit union, registered with the NCUA under certificate #8658.
Learn more about credit unions here.

Is Capital Communications FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Capital Communications is insured by the NCUA.

Who can join Capital Communications?

Please see Field of Membership information above for information on who is eligible to join.

What are Capital Communications's share account and share certificate rates?

Capital Communications's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Capital Communications?

Capital Communications has total capital of $220.88 million. Full information on Capital Communications's financial position is located above.

Who owns Capital Communications?

Credit Unions are owned by their members.

Where are Capital Communications branches located?

See branch locations nearby.

Are Capital Communications ATMs Open 24/7?

Do Capital Communications ATMs accept cash deposits?

Can Capital Communications customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Capital Communications have a mobile app?

Does Capital Communications have mobile deposit?

Does Capital Communications have quick pay?

How can Capital Communications transfer money to other banks or credit unions?

Does Capital Communications report to credit bureaus?

Does Capital Communications use Chexsystems?

Does Capital Communications use Equifax?

What is Capital Communications's toll free phone number?

What is Capital Communications's ACH Routing Number?

What is Capital Communications's SWIFT code?

Where can I find Capital Communications's wire transfer form?

What is the Capital Communications address for deposits?

What Products Does Capital Communications Offer

Does Capital Communications offer mortgages?

Compare mortgage rates here.

Does Capital Communications offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capital Communications offer auto and RV loans?

Compare auto loan rates here.

Does Capital Communications offer student loans or personal loans?

Compare personal loan rates here.

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