Capital Communications Credit Union

Capital Communications Credit Union Locations

18 Computer Drive East
Albany, NY 12205
(800) 468-5500
www.capcomfcu.org

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Capital Communications Credit Union is headquartered in ALBANY and is the 14^st largest credit union in the state of New York. It is also the 206^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 223 employees and 88,437 members. Capital Communications Credit Union's money market rates are 36% higher than the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Capital Communications Credit Union Checking Account Rates

Apy	Min	Max	Product
0.30%	-	-	Organizational Checking
0.30%	-	-	IOLA Checking
0.25%	$7,500	-	Business Elite Checking
0.15%	$2,500	-	Business Edge Checking
0.10%	$1k	-	Investors’ Advantage Dividend Checking
0.10%	$100	-	Business Ease Checking
0.05%	$500	-	Members' Advantage Dividend Checking

Capital Communications Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	$2,500	-	Health Savings Account
0.25%	$10k	-	Youth Savings
0.25%	$10k	-	Savings Account
0.25%	$10k	-	IRA Savings
0.25%	$10k	-	Educational IRA Savings
0.25%	$10k	-	Roth IRA Savings
0.25%	$10k	-	SEP IRA Savings
0.25%	$10k	-	Money Manager Club
0.25%	$10k	-	Holiday Club
0.25%	$10k	-	Member's Choice Club
0.25%	$10k	-	College Savings Club
0.25%	$10k	-	Escrow and Miscellaneous Club
0.15%	$100	-	Business Essential Savings
0.15%	$100	-	Business Essential Club

Capital Communications Credit Union Money Market Rates

Apy	Min	Max	Product
0.60%	$60k	-	Premier Advantage Money Market
0.50%	$50k	-	Investors' Advantage Money Market
0.50%	$50k	-	Business Essential Money Market
0.50%	$60k	-	Business Premier Money Market

Capital Communications Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$5k	-	60 Month Business Essential CD
1.50%	$500	-	60 Month CD
1.20%	$500	-	39 Month Special CD
1.20%	$5k	-	48 Month Business Essential CD
1.20%	$5k	-	39 Month Special Business Essential CD
1.20%	$500	-	48 Month CD
1.00%	$100	-	36 Month Youth Certificate (CertifiKID)
0.90%	$100	-	36 Month iSave CD
0.90%	$5k	-	36 Month Business Essential CD
0.90%	$500	-	36 Month CD
0.75%	$500	-	21 Month Monthly Allowance Certificate
0.75%	$500	-	21 Month Monthly Allowance Business Essential CD
0.70%	$5k	-	24 Month Business Essential CD
0.70%	$500	-	24 Month CD
0.65%	$500	-	17 Month Special CD
0.65%	$5k	-	17 Month Special Business Essential CD
0.55%	$100	-	18 Month Youth Certificate (CertifiKID)
0.50%	$500	-	11 Month Special CD
0.50%	$5k	-	11 Month Special Business Essential CD
0.45%	$100	-	18 Month iSave CD
0.40%	$100	-	12 Month iSave CD
0.40%	$5k	-	12 Month Business Essential CD
0.40%	$500	-	12 Month CD
0.25%	$5k	-	6 Month Business Essential CD
0.25%	$500	-	6 Month CD
0.15%	$5k	-	3 Month Business Essential CD
0.15%	$500	-	3 Month CD

Capital Communications Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Educational IRA
1.50%	$500	-	60 Month Roth IRA
1.50%	$500	-	60 Month SEP IRA
1.20%	$500	-	48 Month IRA
1.20%	$500	-	48 Month Educational IRA
1.20%	$500	-	48 Month Roth IRA
1.20%	$500	-	48 Month SEP IRA
0.90%	$500	-	36 Month IRA
0.90%	$500	-	36 Month Educational IRA
0.90%	$500	-	36 Month Roth IRA
0.90%	$500	-	36 Month SEP IRA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	24 Month Educational IRA
0.70%	$500	-	24 Month Roth IRA
0.70%	$500	-	24 Month SEP IRA
0.65%	$500	-	17 Month Special IRA
0.65%	$500	-	17 Month Special Educational IRA
0.65%	$500	-	17 Month Special Roth IRA
0.65%	$500	-	17 Month Special SEP IRA
0.50%	$500	-	11 Month Special IRA
0.50%	$500	-	11 Month Special Educational IRA
0.50%	$500	-	11 Month Special Roth IRA
0.50%	$500	-	11 Month Special SEP IRA
0.40%	$500	-	12 Month IRA
0.40%	$500	-	12 Month Educational IRA
0.40%	$500	-	12 Month Roth IRA
0.40%	$500	-	12 Month SEP IRA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Educational IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	6 Month SEP IRA
0.15%	$500	-	3 Month IRA
0.15%	$500	-	3 Month Educational IRA
0.15%	$500	-	3 Month Roth IRA
0.15%	$500	-	3 Month SEP IRA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

CAPITAL COMMUNICATIONS
NCUA #	8658
BankRate Report	View
Year Chartered	1953
Employees	223
Primary Regulator
Assets and Liabilities
Assets	$906.13 million
Loans	$782.75 million
Deposits	$810.11 million
Equity Capital	$80.93 million
Loan Loss Allowance	$12.48 million
Unbacked Noncurrent Loans	$9.92 million
Real Estate Owned	$1.48 million
Historic Data - December 2010
Assets	$866.47 million
Equity Capital	$70.06 million
Loan Loss Allowance	$11.84 million
Unbacked Noncurrent Loans	$11.07 million
Real Estate Owned	$1.71 million
Profit Margin - Quarterly
Net Interest Margin	4.59%
Return on Assets	1.33%
Return on Equity	14.91%
Interest Income	$44.38 million
Non-Interest Income	$16.91 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Capital Communications Credit Union had $11.4 million in non-current loans and owned real-estate with $93.41 million in equity and loan loss allowances on hand to cover it. This gives Capital Communications Credit Union a Texas Ratio of 12.20% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Capital Communications Credit Union decreased slightly from 15.60% as of December 31, 2010 to 12.20% as of December 31, 2011, resulting in a positive change of 21.78%.This indicates that the balance sheet and financial strength for Capital Communications Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Capital Communications Credit Union has increased its total deposits by $29.39 million, resulting in 3.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capital Communications Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capital Communications Credit Union has $906.13 million in assets with $93.41 million in equity, resulting in a capitalization level of 10.31%, which is above average.

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