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Fraud alert: Protecting yourself from identity theft
You can reduce your risk of fraud by following these simple tips:
- Never give out your Social Security Number, credit or debit card
number, PIN number or other personal information over the phone, by mail, or on the
Internet unless you initiate the call.
- As of November 2007, individuals nationwide are
able to "freeze" their credit reports with Equifax, Experian, and
TransUnion. By freezing your credit reports, you can prevent credit issuers
from accessing your credit files except when you give permission. This
effectively prevents thieves from opening up new credit card and loan accounts.
In most states, security freezes are available at no charge to identity theft
victims and for a relatively small fee for non-victims.
- Sign up for the Federal Trade Commission's
National Do Not Call Registry. Your name is added to
name deletion lists used by nationwide marketers. You may also need to register
for your state's "do not call" list, if it has one.
- National Do Not Call
Registry, click here for access
or call (888) 382-1222
- FTC's Do Not Call FAQ, click here for access
For more valuable tips, click here.
Members can learn more about preventing identity theft by attending our Protect Yourself from Fraud & Internet Scams workshop on Wednesday, October 21.
For more tips on safeguarding your identity, visit the Security Alerts page on our Web site.
 In this economic climate, everyone could use a
Financial Checkup
Just as regular checkups with your doctor can determine your physical
fitness and health, a Financial Checkup can keep your
finances healthy.
Capital
Communications Federal Credit Union members have the opportunity to sit
with one of our experts to review budget, income, expenses, savings and
loan products (including a rate review) to recommend strategies and
products that make sense for your situation. We here to help our members make sure they have the
right mix of products and services for long-term financial health and
prosperity.
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 Have Capital Copmmunications Federal Credit Union at
your next Company Benefit Fair!
We are currently booking Autumn dates!
Let us know the date of your company's next Benefit Fair. We'd love to participate!
Dates fill up quickly, so contact us as soon as possible!
For information or to schedule an on-site visit or request our attendance at a Benefit Fair, contact busdev@capcomfcu.org or call Steve Fehervari at (518) 458-2195, extension 3205.
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College Bound: Early planning is the best strategy
A good education is essential for all children, but the preparation and cost can sometimes be overwhelming. Capital Communications offers several ways for children and their parents to plan and prepare for college starting at a very young age.
Our members' children can start their path to financial success with a CertifiKID account. This certificate is specially  designed for kids to learn the value of
compounding. You can add money to a CertfiKID at any time and your
savings will grow faster.* We also offer members the Great Grades program. Children share their report cards with us and Capital Communications will deposit $10 into their savings account!**
 Capital Communications understands the challenge of preparing for college and offers members assistance every step of the way. We help our members take control of the application process with informative workshops, one-on-one admissions counseling and a dedicated staff of professionals to answer questions along the way.
- Workshops
- College admissions counseling
- Help filling out FAFSA forms
- Student loans
- Young adult checking accounts and Visa® Debit cards
- College savings plans and more.
*Penalty for early withdrawals.
**$40 maximum per year.
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The fast, easy way to get a car
Buying a car should be a pleasurable experience, not one filled with an overwhelming amount of paperwork and doubt about whether you got the best deal or not. Capital Communications Car Buyers Helpline is a service designed to help Credit  Union
members in all phases of the automobile purchase process.
There
are two steps to the service; basic consultation and negotiation and
purchase. The basic consultation includes suggesting car options within a given budget, answering all questions about the sale, offering advice on deals and working closely with the member to get the best car to suit their needs. We'll negotiate the best price, locate the vehicle and get the best offer for a trade-in. Members are reimbursed for all Car Buyers Helpline fees when they finance their new car with an auto loan from the Credit Union.
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