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Investments* CAP COM Financial Services, LLC offers access to investments and insurance products to help prepare for your child’s financial future. Ask an associate for more information on what CAP COM Financial Services has to offer.

529 Savings Plan** The NYS 529 College Savings Plan is a taxadvantaged College Savings plan that can be set up any time for a school-aged child. It is a great tool that we can set up for you.

* CAP COM Financial Services – Securities and annuities products offered through LPL Financial and its affiliates; Member FINRA/SIPC, a Registered Investment Advisor. CAP COM Financial Services is a division of Capital Communications Federal Credit Union. CAP COM Financial Services and Capital Communications Federal Credit Union are not registered broker dealers and are not affiliated with LPL Financial. Financial planning and insurance services offered through CAP COM Financial Services, LLC, a Registered Investment Advisor. **Section 529 plans are established and maintained by state governments or agencies or eligible educational institutions. Contributions must be kept in a qualified trust in order to be treated as a qualified tuition program. You should consider a 529 Plan’s fees and expenses such as administrative fees, enrollment fees, annual maintenance fees, sales charges, and underlying fund expenses, which will fluctuate depending on the 529 Plan invested in and the investments chose within the plan. Not NCUA Insured May Lose Value No Credit Union Guarantee

Mortgage Solutions Bank Young. Bank Smart. Phone Numbers & Online CCFCU Phone (518) 458-2195 CCFCU Toll Free (800) 468-5500 CCFCU Fax (518) 458-2261 Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 Web Site Mobile Banking Facebook

capcomfcu.org capcomfcu.mobi facebook.com/capcomfcu

Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205 For more information about our Youth Programs contact: Carie Sala, Youth Program Coordinator (518) 458-2195 ext. 3671 or (800) 468-5500 csala@capcomfcu.org For more information about our College Bound program, contact: Kim Donah, College Bound Specialist (518) 458-2195 ext. 3106 or (800) 468-5500 kdonah@capcomfcu.org 10 01-002 REV 4/9/10 3,000

Albany • Clifton Park • Cohoes • Colonie Glenmont • Latham • Niskayuna North Greenbush • Coming soon Brunswick!

Our service says it all!


It’s Never Too Early to Start Saving for College You might think that your middle school-aged child has years to go before faced with the challenges brought on by the college experience. By starting a college savings program now, some of that financial burden may be lessened. Capital Communications offers several options for parents and children to save money.

Youth Savings Programs Capital Communications realizes the important role financial education plays in life, and that’s why we offer products and programs for kids of all ages. Our Youth Accounts help children manage money so that, as they grow, so will their savings.

CertifiKID* Stash your child’s savings in a CertifiKID! Your child’s money will grow faster than in a regular savings account. Add money at any time! *Penalty for early withdrawals. Available in 18- or 36-month term.

Great Grades Repor Bring in your child’s report card and t Card A + we’ll deposit $10 into his or her A+ account! Your child can earn a total Aof $40 every year ($10 per quarter) for submitting a report card each term until they graduate from high school.

Reading Programs During winter and summer months, children can earn up to $15 for reading up to five books ($3 per book.) The program runs twice per year and is a great way to get kids to read and save some money for college!

Start here! College Savings Club Account Save for your child’s education through Payroll Deduction into a College Savings Club Account and make withdrawals at any time without penalty. Keep a balance of $100 or more and earn dividends.

Making A Difference Award The Making A Difference Award is given to teen members between the ages of 13 and 17 who have made a significant commitment to volunteer work and community service. In addition, winners will receive $100 to donate to the charity of their choice. Nominations can be made by a parent, teacher or friend and teens can nominate themselves.

Payroll Deduction A great way to systematically save over time. Just $10 or $20 every paycheck can add up to thousands over a 10-year period.

Freshman Year of High School • Complete a “College Aid Overview” with CCFCU/CCFS. • Get ready to study and get good grades! Colleges look at permanent academic records for admission beginning your freshman year of high school. • Start a folder of report cards, activities, awards and honors. • Get involved! Become involved in school and community extracurricular activities. • Use the Student Planner under the “Preparing for Your Education” link at www.studentaid.ed.gov.


Investments* CAP COM Financial Services, LLC offers access to investments and insurance products to help prepare for your child’s financial future. Ask an associate for more information on what CAP COM Financial Services has to offer.

529 Savings Plan** The NYS 529 College Savings Plan is a taxadvantaged College Savings plan that can be set up any time for a school-aged child. It is a great tool that we can set up for you.

* CAP COM Financial Services – Securities and annuities products offered through LPL Financial and its affiliates; Member FINRA/SIPC, a Registered Investment Advisor. CAP COM Financial Services is a division of Capital Communications Federal Credit Union. CAP COM Financial Services and Capital Communications Federal Credit Union are not registered broker dealers and are not affiliated with LPL Financial. Financial planning and insurance services offered through CAP COM Financial Services, LLC, a Registered Investment Advisor. **Section 529 plans are established and maintained by state governments or agencies or eligible educational institutions. Contributions must be kept in a qualified trust in order to be treated as a qualified tuition program. You should consider a 529 Plan’s fees and expenses such as administrative fees, enrollment fees, annual maintenance fees, sales charges, and underlying fund expenses, which will fluctuate depending on the 529 Plan invested in and the investments chose within the plan. Not NCUA Insured May Lose Value No Credit Union Guarantee

Mortgage Solutions Bank Young. Bank Smart. Phone Numbers & Online CCFCU Phone (518) 458-2195 CCFCU Toll Free (800) 468-5500 CCFCU Fax (518) 458-2261 Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 Web Site Mobile Banking Facebook

capcomfcu.org capcomfcu.mobi facebook.com/capcomfcu

Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205 For more information about our Youth Programs contact: Carie Sala, Youth Program Coordinator (518) 458-2195 ext. 3671 or (800) 468-5500 csala@capcomfcu.org For more information about our College Bound program, contact: Kim Donah, College Bound Specialist (518) 458-2195 ext. 3106 or (800) 468-5500 kdonah@capcomfcu.org 10 01-002 REV 4/9/10 3,000

Albany • Clifton Park • Cohoes • Colonie Glenmont • Latham • Niskayuna North Greenbush • Coming soon Brunswick!

Our service says it all!

MiddleSchooltoCollegeBound Final  

Bank Young. Bank Smart. Our service says it all! Our service says it all!

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