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Capital Communications Credit Union

Overview
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Capital Communications Credit Union is a federal credit union based in Albany, New York. It has been opened since 1953, for 67 years.

With around $1,751,980,000 in assets, Capital Communications Credit Union is considered to be a very large credit union. It has 11 branches and 11 ATM locations.

About
Address 4 Winners Circle
Albany, New York 12205
Website http://www.capcomfcu.org
Phone (518) 458-2195
Fax (518) 458-2261
CEO Paula Stopera
President of the Board Edward Gilligan
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
127,820 members
Membership type: Multiple common bond – primary communications and utilities
Above average number of members
360:1
Credit union member to staff ratio
360 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$1,751,980,469
Total assets
Above average
11 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
13.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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11 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
Capital Communications Credit Union Branch Locations

Capital Communications Credit Union: North Greenbush Branch
100 Van Rensselaer Square
Rensselaer, New York 12144
ATM Available
Capital Communications Credit Union: Malta Branch
2439 State Route 9
Malta, New York 12020
ATM Available
Capital Communications Credit Union: Cohoes
219 Ontario Street
Cohoes, New York 12047
ATM Available
Capital Communications Credit Union: Latham Branch
4 Century Hill Drive
Latham, New York 12110
ATM Available
Capital Communications Credit Union: Western Avenue
899 Western Avenue
Albany, New York 12203
ATM Available
Capital Communications Credit Union: Niskayuna Branch
582 Balltown Road
Schenectady, New York 12304
ATM Available
Capital Communications Credit Union: Glenmont Branch
384 Bender Lane
Glenmont, New York 12077
ATM Available
Capital Communications Credit Union: Colonie Branch
341 New Karner Road
Albany, New York 12205
ATM Available
Capital Communications Credit Union: Brunswick
799 Hoosick Road
Troy, New York 12180
ATM Available
Members
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127,820 members
Membership type: Multiple common bond – primary communications and utilities
Above average number of members

With 127,820 members, the Capital Communications Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 97% of credit unions.

Fees
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$158
Average fee per member
The average fee per member at the Capital Communications Credit Union is $158, which is very high compared to most credit unions. This rate is higher than 97% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Capital Communications Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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360:1
Credit union member to staff ratio
360 per each FTE employee
Compared to 411:1 nationally
Average number of staff
355 staff members
FTE (full-time equivalent)
11% of employees are part-time
334 full-time, 42 part-time

Capital Communications Credit Union has 334 full-time staff members and 42 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 89% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Capital Communications Credit Union has around 360 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$1,751,980,469
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$18,565
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 89% of credit unions.

Capital Communications Credit Union holds a total of $1,567,130,000 in loans and leases, which is about $18,565 per member on average.

Savings interest rate
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Capital Communications Credit Union pays 0.15%.

Loan rates
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13.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
7.74%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
8.84%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.97%
New car loan rate
Compared to 4.0% nationally
3.47%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.63%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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