Capital Communications Federal Credit Union

Our records indicate that this credit union has been acquired by STATE EMPLOYEES.


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

Notable Rates APY Vs.Others
Savings 0.10% 3.05% →
1-Year CD 0.50% 3.30% →
2-Year CD 0.60% 3.60% →
5-Year CD 0.75% 3.75% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Capital Communications is an NCUA insured institution located in Albany, NY. It was founded in 1953 and has approximately $2774.49 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 $2,774.49 million
Loans $2,166.78 million
Deposits $2,327.04 million
Capital $273.50 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 - September 28, 2022

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
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 - September 28, 2022

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 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
Northpointe Bank
NMLS ID: 447490
6.703% 6.625% 0.75 $2,020 $1,601 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.250% 7.125% 0.75 $3,125 $1,685 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
5.740 %
After Intro: 6.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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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.

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Capital Communications Locations

Climate Initiatives

CAPITAL COMMUNICATIONS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
4.75% 4.75

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 March 31, 2022, Capital Communications had $14,358,938 in non-current loans and $20,925 in owned assets. To cover these potential losses it had $273,498,212 in net worth and $29,121,080 in loans loss reserves. That gives it a Texas Ratio of 4.75%.

Net Worth
Capital Communications U.S. Average
9.86% 12.28%

Capital Communications FCU has a net worth of 9.86% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.


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