bank young bank smart brochure
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Bank Young Bank Smart BrochureTRANSCRIPT
For more information about our Youth Programs contact: Carie Sala,
Youth Program Coordinator (518) 458-2195 ext. 3671 or (800) 468-5500
For more information about our College Bound program, contact: Kim Donah,
College Bound Specialist(518) 458-2195 ext. 3106 or (800) 468-5500
Mortgage Solutions
Our service says it all!
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 tax-advantaged 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 CAP COM Federal Credit Union. CAP COM Financial Services and CAP COM 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.
Bank Young. Bank Smart.
Not NCUA Insured May Lose Value No Credit Union Guarantee
www.capcomfcu.org
Phone Numbers & WebsiteCCFCU Phone (518) 458-2195CCFCU Toll Free (800) 468-5500CCFCU Fax (518) 458-2261Touch-24 (518) 458-8986Touch-24 Toll Free (800) 634-2340www.capcomfcu.org
Main Office & Mailing Address18 Computer Drive East • Albany, NY 12205
Web Site www.capcomfcu.org Mobile Banking www.capcomfcu.mobi Facebook www.facebook.com/capcomfcu
10 01-002REV 10/21/103,000
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush
It’s Never Too Early to Start Saving for CollegeYou 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. CAP COM Federal Credit Union offers several options for parents and children to save money. If you aren’t sure where to begin, talk with our College Specialist Kim Donah.
Youth Savings ProgramsCAP COM 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 Bring in your child’s report card and we’ll deposit $10 into his or her account! Your child can earn a total of $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!
College Savings Club AccountSave 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 AwardThe 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.
Start here!Freshman Year of High School
Report CardA+A+
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• 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.
For more information about our Youth Programs contact: Carie Sala,
Youth Program Coordinator (518) 458-2195 ext. 3671 or (800) 468-5500
For more information about our College Bound program, contact: Kim Donah,
College Bound Specialist(518) 458-2195 ext. 3106 or (800) 468-5500
Mortgage Solutions
Our service says it all!
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 tax-advantaged 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 CAP COM Federal Credit Union. CAP COM Financial Services and CAP COM 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.
Bank Young. Bank Smart.
Not NCUA Insured May Lose Value No Credit Union Guarantee
www.capcomfcu.org
Phone Numbers & WebsiteCCFCU Phone (518) 458-2195CCFCU Toll Free (800) 468-5500CCFCU Fax (518) 458-2261Touch-24 (518) 458-8986Touch-24 Toll Free (800) 634-2340www.capcomfcu.org
Main Office & Mailing Address18 Computer Drive East • Albany, NY 12205
Web Site www.capcomfcu.org Mobile Banking www.capcomfcu.mobi Facebook www.facebook.com/capcomfcu
10 01-002REV 10/21/103,000
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush