Capital Communications Federal Credit Union
Our records indicate that this credit union has been acquired by BROADVIEW.
Headquarters
4 Winners Circle
Albany, NY 12205
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2024 Overview
General Credit Union Information
Capital Communications is an NCUA insured institution located in Albany, NY. It was founded in 1953 and has approximately $2644.08 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 | $2,644.08 million |
| Loans | $2,251.08 million |
| Deposits | $2,340.70 million |
| Capital | $286.74 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 - May 10, 2024
Your Current Location: Missouri, MO 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.15% | $2,500 | - |
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|
| Traditional
|
1.75% | $10,000 | $24,999 |
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|
| Traditional
|
2.25% | $25,000 | $49,999 |
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|
| Traditional
|
2.50% | $50,000 | - |
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|
|
Money Market
|
1.50% | $2,500 | $9,999 |
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|
|
Money Market
|
1.75% | $10,000 | $24,999 |
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|
|
Money Market
|
2.25% | $25,000 | $49,999 |
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|
|
Money Market
|
2.50% | $50,000 | $99,999 |
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|
|
Money Market
|
2.75% | $100,000 | $249,999 |
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|
|
Money Market
|
3.00% | $250,000 | $349,999 |
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|
|
Money Market
|
3.00% | $350,000 | $999,999 |
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|
|
Money Market
|
3.05% | $1,000,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
5.00% | $500 | - |
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|
| 12 Mo CD
|
4.27% | $100 | - |
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|
| 12 Mo CD
|
4.40% | $500 | - |
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|
| 13 Mo CD
|
4.65% | $500 | - |
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|
| 18 Mo CD
|
4.37% | $100 | - |
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|
| 18 Mo CD
|
5.00% | $500 | - |
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|
| 23 Mo CD
|
4.25% | $500 | - |
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|
| 24 Mo CD
|
4.10% | $500 | - |
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|
| 36 Mo CD
|
3.37% | $100 | - |
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|
| 36 Mo CD
|
3.50% | $500 | - |
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|
| 48 Mo CD
|
3.50% | $500 | - |
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|
| 60 Mo CD
|
3.50% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.02% | $500 | - | Learn More |
Loan Rates - May 10, 2024
Your Current Location: Missouri, MO 10007
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 - Missouri 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.553% | 6.375% | 0.88 | $6,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
7.070% | 6.990% | 0.63 | $2,578 | $2,127 | Learn More |
NMLS ID: 1907 |
7.169% | 6.990% | 0.88 | $5,802 | $2,127 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
Featured - Missouri Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
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More Info |
Note to Capital Communications
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Branches
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:
Florissant,Missouri
Climate Policy and 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.
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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 |
|---|---|
| 7.85% | 6.97 |
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, 2023, Capital Communications had $24,743,580 in non-current loans and $20,925 in owned assets. To cover these potential losses it had $286,740,558 in net worth and $28,791,387 in loans loss reserves. That gives it a Texas Ratio of 7.85%.
Net Worth
| Capital Communications | U.S. Average |
|---|---|
| 10.84% | 13.62% |
Capital Communications FCU has a net worth of 10.84% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Capital Communications
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