college bound brochure
DESCRIPTION
College Bound BrochureTRANSCRIPT
Everydayweseethechallengesparentsfaceastheypreparefortheirchildren’scollegeselectionandadmission,aswellastuition,roomandboardandothernecessaryexpenses.Inresponsetothisgrowingconcern,wehavecreatedCollegeBound,auniqueprogramwithcomprehensiveproducts,servicesandresourcesdesignedtosupportparentsandstudentsastheyprepare forcollege.
Young Adult Products and Services Young Adult Checking* Nominimumbalancerequirements,freechecksforlife(limitedstyles)andoverdraftoptions.FreeVISA®DebitCardandunlimitedfreeATMaccessanywhereintheworld.
Classic VISA Forcredit-qualifiedmembersage18andup. Limitsstartingat$500.00whichisperfectforemergencies.
iDeposit-24 MakedepositsfromanyInternet-readycomputerandhaveimmediateaccesstoyourfunds.Somelimitsandrestrictionsmayapply.
Car Buyers Helpline††
Ourexclusivecarbuyingservicewillnegotiatethebestpriceonaneworusedcarforyou. *YoungAdultMembersage15to17musthaveaparentorguardianasajointowner.TheCreditUnionwillreimbursememberswithaYoungAdultCheckingAccount(ages15-22)foranyATMsurchargeortransactionfee.
††CreditUnionwillnotbeheldliableinrelationtoanycarbuyinginformationoradviceprovidedbyCarBuyersHelpline. CarBuyersHelplineisasubsidiaryofCCFCU.
Touch-24 Our24-hour,automatedphoneteller,Touch-24,isavailableanytime.Choosevoice-activatedaudiopromptsoratouch-tonemenutoperformaccountinquiries,transfers,checkrequestsandothertasks.Youcanevenaccessinformationaboutcurrentratesandhours.Foralistofmenuoptions,visitourwebsite,stopbyanybranchorcalltorequestaninformationguide.
Touch-24(518)458-8689 Touch-24TollFree(800)634-2340
Connect-24 Viewaccountbalances,history,checkcopiesandstatements.Conducttransfers,includingaccounttoaccounttransfers;makeloanpayments;viewCreditUnionVISA® transactions;vieworprintcanceledchecksandmore.OnceanAssociatehascompletedthesetup,visittheConnect-24loginfoundonourhomepage.EnteryourCreditUnionAccountNumberandpassword.
Mobile Banking* Accessyouraccountusingyourhand-heldwirelessdevice.Manageyourmoneyanytime,anywherewithourfreedownloadableiPhoneAppandaccesstoourmobilewebsolutionatwww.capcomfcu.mobi.Enjoyreal-timeaccess toyouraccounthistoryandtransactions. *Datachargesmayapply.Checkwithyourwirelesscarrier.
FAFSA Form Preparation TheFreeApplicationforFederalStudentAid(FAFSA)istheformusedbyvirtuallyalltwo-andfour-yearcolleges,universitiesandcareerschoolsfortheawardingoffederalstudentaidandmoststateandcollegeaid.NeedhelpfillingouttheFAFSA?ContactCAPCOMFinancialServicestomakeanappointmenttohaveusdoitforyou,andforalowfee,getthehelpyouneedwiththiscomplicatedform.
Finding the Funding Weofferaselectionofloanstomeettheneedsofparentsandstudentsalike.
Academic Advantage Loan Upto$50,000foreducationexpenses.*
Home Equity Loans Usetheequityinyourhometoaccessthemoneyyouneed.**
Scholarship and Award Programs Ourlong-standingcommitment totheyouthofourcommunity isdemonstratedbythe establishmentandcontinued growthofouryoungadult scholarshipand awardprograms.
The $2,000 Art Goedeke Scholarship Forstudents(underage25)whoareplanningtopursueadegreeincomputerscienceand/orinformationtechnology.
The Making a Difference Awards Awardsaregiventohighschoolstudentswhohavemadeadifferenceintheircommunities.
The Weidner “Ed” Davis Scholarships $2,500scholarshipsareawardedannually to15students.Members(throughage25)whoaregraduatinghighschoolseniorsorarepursuinganundergraduatedegreeareeligibletoapply.Selectionisbaseduponreviewof asubmittedessay.
*Thisloanmaybetaxdeductible;checkwithyourtaxconsultanttodetermineeligibility.**Mayalsobetaxdeductible.
College Bound
Formoreinformationaboutour College Bound programcontact:
KimDonah,CollegeSpecialist,ext.3106 [email protected]
RyanChenot,CollegeSpecialist,ext.3170 [email protected]
(518)458-2195or(800)468-5500
College Knowledge College Planning Workshops Essay Writing Workshop Thisworkshopispresentedbycollegeadmissionsprofessionalsfromadmissions1 educational consultantsatareducedrateforourmembersandconcentratesonkeyelementstowritingasuccessfulessay.
Free College Planning Workshops College Prep Workshop Aguidetochoosingtherightschool,applyingforcollege,completingthecollegeinterviewprocessandfindingscholarshipsgearedtowardhighschoolsophomoresandjuniors.
College Admissions Workshop Thisworkshopforhighschoolseniorsprovidesinformationonthecollegeadmissionsprocess,tipsonapplyingforscholarshipsandcompletionoftheFAFSAapplicationform.
College Experience Workshop Highschoolseniorslearnwhattoexpectintheirfirstyearofcollege,alongwithavailablecollegefundingoptionsandCreditUnionaccounts.
FAFSA Workshop TheFreeApplicationforFederalStudentAid(FAFSA)formcanattimesbeachallengeforhighschoolseniorsandtheirparentstotackle.DuringourFAFSAWorkshop,CAPCOM’sCollegeBoundexpert,KimDonah,alongwithguestspeakerswillwalkyouthroughtheapplicationprocessfromstarttofinish.
College Admissions Consulting Services Professionalcollegeadmissionscounselingservicesthroughadmissions1 educational consultantsarenowavailabletoourmembers atareducedrate.
ProfessionaladvisorsMimiHajjarandAllisonJ.Schultzareavailabletohelpparentsandstudentsnavigatetheentirecollegeselectionandadmissionsprocess.Servicesincludeessaywritingworkshops,two-hourconsultationsandacomprehensivepackageofcollegeadmissionsconsultingservices.
Admissions Counseling Services include: •Educatingparentsandstudentsontheentire applicationprocess. •Reviewingstandardizedtestoptionsandyour child’ssenioryearcourseselection. •Developingalistofappropriateschoolsbased onthestudent’sprofile. •Developmentofanapplicationtimeline. •Assistingyourchildwiththeshapingand editingofhis/hercollegeessay. •Comparingandcontrastingalloffersof enrollmentandfinancialaidonceyourchild isaccepted. •Muchmore!
Helpful ResourcesApplying for student aid: www.federalstudentaid.ed.gov
Free Application for Student Aid (FAFSA): www.fafsa.ed.gov
Estimate of eligibility for student aid: www.fafsa4caster.ed.gov
Resources to help students and parents with the college process: www.nasfaa.org
Scholarship search: www.fastweb.com
Preparation guidance for post-secondary education: www.knowhow2go.org
Planning guides and tips: www.offtocollege.com
College financing, scholarships, grants, loans and college aid: www.saystudent.com
College campus information, news and events: www.saycampuslife.com
Financial aid, money management information: www.mappingyourfuture.org
Common Application www.commonapp.org
SUNY Application www.suny.edu/student/oas/welcome.do
Universal Application www.universalcollegeapp.com
US Dept of Education website to consolidate Federal Loans www.loanconsolidation.ed.gov
College Planning & SAT Testing Information www.collegeboard.com
ACT Testing Information www.act.org
NYS Higher Education Services www.hesc.com
brass MagazineAmagazineaboutmoneywrittenespeciallyforyoungadults.Checkitoutonlineathttp://capcom.brassmagazine.com
www.capcomfcu.org
Phone Numbers & WebsiteCCFCUPhone (518)458-2195CCFCUTollFree (800)468-5500CCFCUFax (518)458-2261Touch-24 (518)458-8986Touch-24TollFree (800)634-2340Connect-24 www.capcomfcu.orgMobileBanking www.capcomfcu.mobi
Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush
REV 2/14/2011
CAP COM FCU is federally insured by the National Credit Union Administration.
Our purpose is to benefit every member, every time, every day. AtCAPCOMourvisionistobeasoughtafterfinancialinstitutionwhoseunbridledcommitmenttoitsmembersandcommunitywillbeunmatchedbyanyone.Ourpurposeistobenefiteverymember,everytime,everyday.Thisuniquephilosophyisthecornerstoneofwhy“Ourservicesaysitall!”
Everydayweseethechallengesparentsfaceastheypreparefortheirchildren’scollegeselectionandadmission,aswellastuition,roomandboardandothernecessaryexpenses.Inresponsetothisgrowingconcern,wehavecreatedCollegeBound,auniqueprogramwithcomprehensiveproducts,servicesandresourcesdesignedtosupportparentsandstudentsastheyprepare forcollege.
Young Adult Products and Services Young Adult Checking* Nominimumbalancerequirements,freechecksforlife(limitedstyles)andoverdraftoptions.FreeVISA®DebitCardandunlimitedfreeATMaccessanywhereintheworld.
Classic VISA Forcredit-qualifiedmembersage18andup. Limitsstartingat$500.00whichisperfectforemergencies.
iDeposit-24 MakedepositsfromanyInternet-readycomputerandhaveimmediateaccesstoyourfunds.Somelimitsandrestrictionsmayapply.
Car Buyers Helpline††
Ourexclusivecarbuyingservicewillnegotiatethebestpriceonaneworusedcarforyou. *YoungAdultMembersage15to17musthaveaparentorguardianasajointowner.TheCreditUnionwillreimbursememberswithaYoungAdultCheckingAccount(ages15-22)foranyATMsurchargeortransactionfee.
††CreditUnionwillnotbeheldliableinrelationtoanycarbuyinginformationoradviceprovidedbyCarBuyersHelpline. CarBuyersHelplineisasubsidiaryofCCFCU.
Touch-24 Our24-hour,automatedphoneteller,Touch-24,isavailableanytime.Choosevoice-activatedaudiopromptsoratouch-tonemenutoperformaccountinquiries,transfers,checkrequestsandothertasks.Youcanevenaccessinformationaboutcurrentratesandhours.Foralistofmenuoptions,visitourwebsite,stopbyanybranchorcalltorequestaninformationguide.
Touch-24(518)458-8689 Touch-24TollFree(800)634-2340
Connect-24 Viewaccountbalances,history,checkcopiesandstatements.Conducttransfers,includingaccounttoaccounttransfers;makeloanpayments;viewCreditUnionVISA® transactions;vieworprintcanceledchecksandmore.OnceanAssociatehascompletedthesetup,visittheConnect-24loginfoundonourhomepage.EnteryourCreditUnionAccountNumberandpassword.
Mobile Banking* Accessyouraccountusingyourhand-heldwirelessdevice.Manageyourmoneyanytime,anywherewithourfreedownloadableiPhoneAppandaccesstoourmobilewebsolutionatwww.capcomfcu.mobi.Enjoyreal-timeaccess toyouraccounthistoryandtransactions. *Datachargesmayapply.Checkwithyourwirelesscarrier.
FAFSA Form Preparation TheFreeApplicationforFederalStudentAid(FAFSA)istheformusedbyvirtuallyalltwo-andfour-yearcolleges,universitiesandcareerschoolsfortheawardingoffederalstudentaidandmoststateandcollegeaid.NeedhelpfillingouttheFAFSA?ContactCAPCOMFinancialServicestomakeanappointmenttohaveusdoitforyou,andforalowfee,getthehelpyouneedwiththiscomplicatedform.
Finding the Funding Weofferaselectionofloanstomeettheneedsofparentsandstudentsalike.
Academic Advantage Loan Upto$50,000foreducationexpenses.*
Home Equity Loans Usetheequityinyourhometoaccessthemoneyyouneed.**
Scholarship and Award Programs Ourlong-standingcommitment totheyouthofourcommunity isdemonstratedbythe establishmentandcontinued growthofouryoungadult scholarshipand awardprograms.
The $2,000 Art Goedeke Scholarship Forstudents(underage25)whoareplanningtopursueadegreeincomputerscienceand/orinformationtechnology.
The Making a Difference Awards Awardsaregiventohighschoolstudentswhohavemadeadifferenceintheircommunities.
The Weidner “Ed” Davis Scholarships $2,500scholarshipsareawardedannually to15students.Members(throughage25)whoaregraduatinghighschoolseniorsorarepursuinganundergraduatedegreeareeligibletoapply.Selectionisbaseduponreviewof asubmittedessay.
*Thisloanmaybetaxdeductible;checkwithyourtaxconsultanttodetermineeligibility.**Mayalsobetaxdeductible.
College Bound
Formoreinformationaboutour College Bound programcontact:
KimDonah,CollegeSpecialist,ext.3106 [email protected]
RyanChenot,CollegeSpecialist,ext.3170 [email protected]
(518)458-2195or(800)468-5500
College Knowledge College Planning Workshops Essay Writing Workshop Thisworkshopispresentedbycollegeadmissionsprofessionalsfromadmissions1 educational consultantsatareducedrateforourmembersandconcentratesonkeyelementstowritingasuccessfulessay.
Free College Planning Workshops College Prep Workshop Aguidetochoosingtherightschool,applyingforcollege,completingthecollegeinterviewprocessandfindingscholarshipsgearedtowardhighschoolsophomoresandjuniors.
College Admissions Workshop Thisworkshopforhighschoolseniorsprovidesinformationonthecollegeadmissionsprocess,tipsonapplyingforscholarshipsandcompletionoftheFAFSAapplicationform.
College Experience Workshop Highschoolseniorslearnwhattoexpectintheirfirstyearofcollege,alongwithavailablecollegefundingoptionsandCreditUnionaccounts.
FAFSA Workshop TheFreeApplicationforFederalStudentAid(FAFSA)formcanattimesbeachallengeforhighschoolseniorsandtheirparentstotackle.DuringourFAFSAWorkshop,CAPCOM’sCollegeBoundexpert,KimDonah,alongwithguestspeakerswillwalkyouthroughtheapplicationprocessfromstarttofinish.
College Admissions Consulting Services Professionalcollegeadmissionscounselingservicesthroughadmissions1 educational consultantsarenowavailabletoourmembers atareducedrate.
ProfessionaladvisorsMimiHajjarandAllisonJ.Schultzareavailabletohelpparentsandstudentsnavigatetheentirecollegeselectionandadmissionsprocess.Servicesincludeessaywritingworkshops,two-hourconsultationsandacomprehensivepackageofcollegeadmissionsconsultingservices.
Admissions Counseling Services include: •Educatingparentsandstudentsontheentire applicationprocess. •Reviewingstandardizedtestoptionsandyour child’ssenioryearcourseselection. •Developingalistofappropriateschoolsbased onthestudent’sprofile. •Developmentofanapplicationtimeline. •Assistingyourchildwiththeshapingand editingofhis/hercollegeessay. •Comparingandcontrastingalloffersof enrollmentandfinancialaidonceyourchild isaccepted. •Muchmore!
Helpful ResourcesApplying for student aid: www.federalstudentaid.ed.gov
Free Application for Student Aid (FAFSA): www.fafsa.ed.gov
Estimate of eligibility for student aid: www.fafsa4caster.ed.gov
Resources to help students and parents with the college process: www.nasfaa.org
Scholarship search: www.fastweb.com
Preparation guidance for post-secondary education: www.knowhow2go.org
Planning guides and tips: www.offtocollege.com
College financing, scholarships, grants, loans and college aid: www.saystudent.com
College campus information, news and events: www.saycampuslife.com
Financial aid, money management information: www.mappingyourfuture.org
Common Application www.commonapp.org
SUNY Application www.suny.edu/student/oas/welcome.do
Universal Application www.universalcollegeapp.com
US Dept of Education website to consolidate Federal Loans www.loanconsolidation.ed.gov
College Planning & SAT Testing Information www.collegeboard.com
ACT Testing Information www.act.org
NYS Higher Education Services www.hesc.com
brass MagazineAmagazineaboutmoneywrittenespeciallyforyoungadults.Checkitoutonlineathttp://capcom.brassmagazine.com
www.capcomfcu.org
Phone Numbers & WebsiteCCFCUPhone(518)458-2195CCFCUTollFree(800)468-5500CCFCUFax(518)458-2261Touch-24(518)458-8986Touch-24TollFree(800)634-2340Connect-24www.capcomfcu.orgMobileBankingwww.capcomfcu.mobi
Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush
REV 2/14/2011
CAP COM FCU is federally insured by the National Credit Union Administration.
Our purpose is to benefit every member, every time, every day. AtCAPCOMourvisionistobeasoughtafterfinancialinstitutionwhoseunbridledcommitmenttoitsmembersandcommunitywillbeunmatchedbyanyone.Ourpurposeistobenefiteverymember,everytime,everyday.Thisuniquephilosophyisthecornerstoneofwhy“Ourservicesaysitall!”
Everydayweseethechallengesparentsfaceastheypreparefortheirchildren’scollegeselectionandadmission,aswellastuition,roomandboardandothernecessaryexpenses.Inresponsetothisgrowingconcern,wehavecreatedCollegeBound,auniqueprogramwithcomprehensiveproducts,servicesandresourcesdesignedtosupportparentsandstudentsastheyprepare forcollege.
Young Adult Products and Services Young Adult Checking* Nominimumbalancerequirements,freechecksforlife(limitedstyles)andoverdraftoptions.FreeVISA®DebitCardandunlimitedfreeATMaccessanywhereintheworld.
Classic VISA Forcredit-qualifiedmembersage18andup. Limitsstartingat$500.00whichisperfectforemergencies.
iDeposit-24 MakedepositsfromanyInternet-readycomputerandhaveimmediateaccesstoyourfunds.Somelimitsandrestrictionsmayapply.
Car Buyers Helpline††
Ourexclusivecarbuyingservicewillnegotiatethebestpriceonaneworusedcarforyou. *YoungAdultMembersage15to17musthaveaparentorguardianasajointowner.TheCreditUnionwillreimbursememberswithaYoungAdultCheckingAccount(ages15-22)foranyATMsurchargeortransactionfee.
††CreditUnionwillnotbeheldliableinrelationtoanycarbuyinginformationoradviceprovidedbyCarBuyersHelpline. CarBuyersHelplineisasubsidiaryofCCFCU.
Touch-24 Our24-hour,automatedphoneteller,Touch-24,isavailableanytime.Choosevoice-activatedaudiopromptsoratouch-tonemenutoperformaccountinquiries,transfers,checkrequestsandothertasks.Youcanevenaccessinformationaboutcurrentratesandhours.Foralistofmenuoptions,visitourwebsite,stopbyanybranchorcalltorequestaninformationguide.
Touch-24(518)458-8689 Touch-24TollFree(800)634-2340
Connect-24 Viewaccountbalances,history,checkcopiesandstatements.Conducttransfers,includingaccounttoaccounttransfers;makeloanpayments;viewCreditUnionVISA® transactions;vieworprintcanceledchecksandmore.OnceanAssociatehascompletedthesetup,visittheConnect-24loginfoundonourhomepage.EnteryourCreditUnionAccountNumberandpassword.
Mobile Banking* Accessyouraccountusingyourhand-heldwirelessdevice.Manageyourmoneyanytime,anywherewithourfreedownloadableiPhoneAppandaccesstoourmobilewebsolutionatwww.capcomfcu.mobi.Enjoyreal-timeaccess toyouraccounthistoryandtransactions. *Datachargesmayapply.Checkwithyourwirelesscarrier.
FAFSA Form Preparation TheFreeApplicationforFederalStudentAid(FAFSA)istheformusedbyvirtuallyalltwo-andfour-yearcolleges,universitiesandcareerschoolsfortheawardingoffederalstudentaidandmoststateandcollegeaid.NeedhelpfillingouttheFAFSA?ContactCAPCOMFinancialServicestomakeanappointmenttohaveusdoitforyou,andforalowfee,getthehelpyouneedwiththiscomplicatedform.
Finding the Funding Weofferaselectionofloanstomeettheneedsofparentsandstudentsalike.
Academic Advantage Loan Upto$50,000foreducationexpenses.*
Home Equity Loans Usetheequityinyourhometoaccessthemoneyyouneed.**
Scholarship and Award Programs Ourlong-standingcommitment totheyouthofourcommunity isdemonstratedbythe establishmentandcontinued growthofouryoungadult scholarshipand awardprograms.
The $2,000 Art Goedeke Scholarship Forstudents(underage25)whoareplanningtopursueadegreeincomputerscienceand/orinformationtechnology.
The Making a Difference Awards Awardsaregiventohighschoolstudentswhohavemadeadifferenceintheircommunities.
The Weidner “Ed” Davis Scholarships $2,500scholarshipsareawardedannually to15students.Members(throughage25)whoaregraduatinghighschoolseniorsorarepursuinganundergraduatedegreeareeligibletoapply.Selectionisbaseduponreviewof asubmittedessay.
*Thisloanmaybetaxdeductible;checkwithyourtaxconsultanttodetermineeligibility.**Mayalsobetaxdeductible.
College Bound
Formoreinformationaboutour College Bound programcontact:
KimDonah,CollegeSpecialist,ext.3106 [email protected]
RyanChenot,CollegeSpecialist,ext.3170 [email protected]
(518)458-2195or(800)468-5500
College Knowledge College Planning Workshops Essay Writing Workshop Thisworkshopispresentedbycollegeadmissionsprofessionalsfromadmissions1 educational consultantsatareducedrateforourmembersandconcentratesonkeyelementstowritingasuccessfulessay.
Free College Planning Workshops College Prep Workshop Aguidetochoosingtherightschool,applyingforcollege,completingthecollegeinterviewprocessandfindingscholarshipsgearedtowardhighschoolsophomoresandjuniors.
College Admissions Workshop Thisworkshopforhighschoolseniorsprovidesinformationonthecollegeadmissionsprocess,tipsonapplyingforscholarshipsandcompletionoftheFAFSAapplicationform.
College Experience Workshop Highschoolseniorslearnwhattoexpectintheirfirstyearofcollege,alongwithavailablecollegefundingoptionsandCreditUnionaccounts.
FAFSA Workshop TheFreeApplicationforFederalStudentAid(FAFSA)formcanattimesbeachallengeforhighschoolseniorsandtheirparentstotackle.DuringourFAFSAWorkshop,CAPCOM’sCollegeBoundexpert,KimDonah,alongwithguestspeakerswillwalkyouthroughtheapplicationprocessfromstarttofinish.
College Admissions Consulting Services Professionalcollegeadmissionscounselingservicesthroughadmissions1 educational consultantsarenowavailabletoourmembers atareducedrate.
ProfessionaladvisorsMimiHajjarandAllisonJ.Schultzareavailabletohelpparentsandstudentsnavigatetheentirecollegeselectionandadmissionsprocess.Servicesincludeessaywritingworkshops,two-hourconsultationsandacomprehensivepackageofcollegeadmissionsconsultingservices.
Admissions Counseling Services include: •Educatingparentsandstudentsontheentire applicationprocess. •Reviewingstandardizedtestoptionsandyour child’ssenioryearcourseselection. •Developingalistofappropriateschoolsbased onthestudent’sprofile. •Developmentofanapplicationtimeline. •Assistingyourchildwiththeshapingand editingofhis/hercollegeessay. •Comparingandcontrastingalloffersof enrollmentandfinancialaidonceyourchild isaccepted. •Muchmore!
Helpful ResourcesApplying for student aid: www.federalstudentaid.ed.gov
Free Application for Student Aid (FAFSA): www.fafsa.ed.gov
Estimate of eligibility for student aid: www.fafsa4caster.ed.gov
Resources to help students and parents with the college process: www.nasfaa.org
Scholarship search: www.fastweb.com
Preparation guidance for post-secondary education: www.knowhow2go.org
Planning guides and tips: www.offtocollege.com
College financing, scholarships, grants, loans and college aid: www.saystudent.com
College campus information, news and events: www.saycampuslife.com
Financial aid, money management information: www.mappingyourfuture.org
Common Application www.commonapp.org
SUNY Application www.suny.edu/student/oas/welcome.do
Universal Application www.universalcollegeapp.com
US Dept of Education website to consolidate Federal Loans www.loanconsolidation.ed.gov
College Planning & SAT Testing Information www.collegeboard.com
ACT Testing Information www.act.org
NYS Higher Education Services www.hesc.com
brass MagazineAmagazineaboutmoneywrittenespeciallyforyoungadults.Checkitoutonlineathttp://capcom.brassmagazine.com
www.capcomfcu.org
Phone Numbers & WebsiteCCFCUPhone (518)458-2195CCFCUTollFree (800)468-5500CCFCUFax (518)458-2261Touch-24 (518)458-8986Touch-24TollFree (800)634-2340Connect-24 www.capcomfcu.orgMobileBanking www.capcomfcu.mobi
Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush
REV 2/14/2011
CAP COM FCU is federally insured by the National Credit Union Administration.
Our purpose is to benefit every member, every time, every day. AtCAPCOMourvisionistobeasoughtafterfinancialinstitutionwhoseunbridledcommitmenttoitsmembersandcommunitywillbeunmatchedbyanyone.Ourpurposeistobenefiteverymember,everytime,everyday.Thisuniquephilosophyisthecornerstoneofwhy“Ourservicesaysitall!”
SENIOR YEAR July/August •AttendaCollegeEssayWritingworkshopatCCFCU •ConsidertakingSATPrepcoursetoincreaseSATscores •Writecollegeessaysandsubmitapplicationsforearlydecision,earlyactionorregulardecision •Hittheroad:Visitcollegesandspeakwithcollegestudents •RegisterforACT
September/October •AttendtheCollegeExperienceAdmissionsSeminaratCCFCU •AttendEssayWritingworkshopatCCFCU •Checkwithyourcounselortofulfillcollegeadmissionrequirements •Requestpersonalreferencesfromteachers,counselorsandemployersasneeded •Visitcollegefairsandtalkwithadmissionscounselorswhovisityourhighschool •MakesurefinaltestsaretakenforACT/SAT •Prepareafinallistofcollegesthatyouwillapplytoforenrollment
November/December •Explorefinancialresourcestopayforcollege •ReviewFinancialAidoptionswithyourCreditUnionCollegeSpecialist •Submitapplicationsandapplyforenrollmentatcollegesofyourchoice •Applyforearlydecision
January/February •BeginFAFSApreparation,forFeb.1deadline •ApplyforCCFCUArtGoedekeScholarship(ComputerScience/ITDegree) •Haveyourtranscriptssentfromyourhighschooltothecollegesyou’veappliedto •Visitcollegesthathavesentenrollmentinvitations •FileFAFSAonFeb.1
March/April •AttendCollegeExperienceSeniorNightSeminaratCCFCU •ApplyforWeidner“Ed”DavisScholarship,Maydeadline •Keeptrackofdeadlinesforrequiredfeesandpaperwork •Keepsearching:Continuetopursuescholarshipopportunities •FinancialAidAwardLetterswillstarttoarrivefromcollegeswhereyouhavebeenaccepted •Keeptrackoffinancialaidandscholarshipdeadlines •Comparefinancialaidlettersfromcolleges,decidewhichcollegetoattendand notifythecollegeofyourfinaldecision! •ContactusforinformationonFederalDirectLoans,AcademicAdvantageLoansandHomeEquityLoans
May/June •You’rein!CollegeacceptancedepositdeadlineisMay1 •ApplyatCCFCUforAcademicAdvantageLoanandHELOC •Onemoretime:Prepareforfinals,RegentsexamsandGraduation •Havefinaltranscriptsenttothecollegeyouwillbeattending •SetupaccountsatCCFCUandreviewoptionsforthecollegestudent •GRADUATION…CONGRATULATIONS!
SOPHOMORE YEAR •Completea“CollegeAidOverview”withCAPCOM/CCFSifnotcompletedinfreshmanyear •Keepstudyingandgettinggoodgrades!MaintainastrongBaverageorhigher •Getahead:CheckintoAPand“CollegeinHighSchool”coursesforjunior/senioryears •Becomeinvolvedinschoolandcommunityextracurricularactivities •Keepalistofactivities,awardsandhonors •BecomefamiliarwithPSAT/ACTtimelinesandrequirementsforpracticetests
JUNIOR YEAR July/August •Timetogetlettersofinterestouttocolleges •OpenaYoungAdultCheckingAccount •Pursueleadershiprolesinsportsandactivities
September/October •CheckschedulesforPSAT,SATReasoningTest,SATSubjectTestandACT •Makealistandexplorecollegesonlinethatyouareinterestedinattending •Startacollegeinformationfolder,requestbrochuresandcatalogsfromcolleges •Recommendcontactingadmissions1educationalconsultants •Attendcollegefairsandcollegenights
November/December •Keepresearchingcollegesofinterest •Getyourparentsandhighschoolcounselorinvolvedinyourcollegesearch •Startthinkingofavailablefinancialresources
January/February •Makesureyou’reregisteredtotaketheSATorACT •Considerwhichcollegesandscholarshipsareavailablebasedontestscores •Makesureyouareontracktocompletecorecoursesrequiredforgraduationandcollegeadmission
March/April •RecommendattendingCollegePrepWorkshopatCCFCU •Let’sgo!Plancollegecampusvisitsforspring/summer •Whatdoyouwanttobe?Listoutyourskillsandinterestsandfindoutwhatcareersarerightfor youandtheeducationrequirementsyou’llneedtomakeyourdreamcometrue! •Getajob!Considersummerjobopportunitiesoraninternship •Writearesumeforasummerjoborinternship
May/June •Study,study,study!PrepareforfinalsandRegentsexams •RegisterforEssayWritingworkshopatCCFCU •Visitcollegesduringthesummerandspeakwithadmissionscounselorsaboutsuggestions toincreasechancesforadmission •Pursueparticipationincoreclassesatcollegelevelasasenior
Test Acronyms ACT=AmericanCollegeTest SAT=ScholasticAptitudeTest PSAT=PreliminaryScholasticAptitudeTest AP=AdvancedPlacement
Juniors: March–CollegePrep
Seniors: January–FAFSAWorkshop March–CollegeExperience Summer–admissions1EssayWriting Fall–admissions1EssayWriting October–CollegeAdmissions
SENIOR YEAR July/August •AttendaCollegeEssayWritingworkshopatCCFCU •ConsidertakingSATPrepcoursetoincreaseSATscores •Writecollegeessaysandsubmitapplicationsforearlydecision,earlyactionorregulardecision •Hittheroad:Visitcollegesandspeakwithcollegestudents •RegisterforACT
September/October •AttendtheCollegeExperienceAdmissionsSeminaratCCFCU •AttendEssayWritingworkshopatCCFCU •Checkwithyourcounselortofulfillcollegeadmissionrequirements •Requestpersonalreferencesfromteachers,counselorsandemployersasneeded •Visitcollegefairsandtalkwithadmissionscounselorswhovisityourhighschool •MakesurefinaltestsaretakenforACT/SAT •Prepareafinallistofcollegesthatyouwillapplytoforenrollment
November/December •Explorefinancialresourcestopayforcollege •ReviewFinancialAidoptionswithyourCreditUnionCollegeSpecialist •Submitapplicationsandapplyforenrollmentatcollegesofyourchoice •Applyforearlydecision
January/February •BeginFAFSApreparation,forFeb.1deadline •ApplyforCCFCUArtGoedekeScholarship(ComputerScience/ITDegree) •Haveyourtranscriptssentfromyourhighschooltothecollegesyou’veappliedto •Visitcollegesthathavesentenrollmentinvitations •FileFAFSAonFeb.1
March/April •AttendCollegeExperienceSeniorNightSeminaratCCFCU •ApplyforWeidner“Ed”DavisScholarship,Maydeadline •Keeptrackofdeadlinesforrequiredfeesandpaperwork •Keepsearching:Continuetopursuescholarshipopportunities •FinancialAidAwardLetterswillstarttoarrivefromcollegeswhereyouhavebeenaccepted •Keeptrackoffinancialaidandscholarshipdeadlines •Comparefinancialaidlettersfromcolleges,decidewhichcollegetoattendand notifythecollegeofyourfinaldecision! •ContactusforinformationonFederalDirectLoans,AcademicAdvantageLoansandHomeEquityLoans
May/June •You’rein!CollegeacceptancedepositdeadlineisMay1 •ApplyatCCFCUforAcademicAdvantageLoanandHELOC •Onemoretime:Prepareforfinals,RegentsexamsandGraduation •Havefinaltranscriptsenttothecollegeyouwillbeattending •SetupaccountsatCCFCUandreviewoptionsforthecollegestudent •GRADUATION…CONGRATULATIONS!
SOPHOMORE YEAR •Completea“CollegeAidOverview”withCAPCOM/CCFSifnotcompletedinfreshmanyear •Keepstudyingandgettinggoodgrades!MaintainastrongBaverageorhigher •Getahead:CheckintoAPand“CollegeinHighSchool”coursesforjunior/senioryears •Becomeinvolvedinschoolandcommunityextracurricularactivities •Keepalistofactivities,awardsandhonors •BecomefamiliarwithPSAT/ACTtimelinesandrequirementsforpracticetests
JUNIOR YEAR July/August •Timetogetlettersofinterestouttocolleges •OpenaYoungAdultCheckingAccount •Pursueleadershiprolesinsportsandactivities
September/October •CheckschedulesforPSAT,SATReasoningTest,SATSubjectTestandACT •Makealistandexplorecollegesonlinethatyouareinterestedinattending •Startacollegeinformationfolder,requestbrochuresandcatalogsfromcolleges •Recommendcontactingadmissions1educationalconsultants •Attendcollegefairsandcollegenights
November/December •Keepresearchingcollegesofinterest •Getyourparentsandhighschoolcounselorinvolvedinyourcollegesearch •Startthinkingofavailablefinancialresources
January/February •Makesureyou’reregisteredtotaketheSATorACT •Considerwhichcollegesandscholarshipsareavailablebasedontestscores •Makesureyouareontracktocompletecorecoursesrequiredforgraduationandcollegeadmission
March/April •RecommendattendingCollegePrepWorkshopatCCFCU •Let’sgo!Plancollegecampusvisitsforspring/summer •Whatdoyouwanttobe?Listoutyourskillsandinterestsandfindoutwhatcareersarerightfor youandtheeducationrequirementsyou’llneedtomakeyourdreamcometrue! •Getajob!Considersummerjobopportunitiesoraninternship •Writearesumeforasummerjoborinternship
May/June •Study,study,study!PrepareforfinalsandRegentsexams •RegisterforEssayWritingworkshopatCCFCU •Visitcollegesduringthesummerandspeakwithadmissionscounselorsaboutsuggestions toincreasechancesforadmission •Pursueparticipationincoreclassesatcollegelevelasasenior
Test Acronyms ACT=AmericanCollegeTest SAT=ScholasticAptitudeTest PSAT=PreliminaryScholasticAptitudeTest AP=AdvancedPlacement
Juniors: March–CollegePrep
Seniors: January–FAFSAWorkshop March–CollegeExperience Summer–admissions1EssayWriting Fall–admissions1EssayWriting October–CollegeAdmissions
Everydayweseethechallengesparentsfaceastheypreparefortheirchildren’scollegeselectionandadmission,aswellastuition,roomandboardandothernecessaryexpenses.Inresponsetothisgrowingconcern,wehavecreatedCollegeBound,auniqueprogramwithcomprehensiveproducts,servicesandresourcesdesignedtosupportparentsandstudentsastheyprepare forcollege.
Young Adult Products and Services Young Adult Checking* Nominimumbalancerequirements,freechecksforlife(limitedstyles)andoverdraftoptions.FreeVISA®DebitCardandunlimitedfreeATMaccessanywhereintheworld.
Classic VISA Forcredit-qualifiedmembersage18andup. Limitsstartingat$500.00whichisperfectforemergencies.
iDeposit-24 MakedepositsfromanyInternet-readycomputerandhaveimmediateaccesstoyourfunds.Somelimitsandrestrictionsmayapply.
Car Buyers Helpline††
Ourexclusivecarbuyingservicewillnegotiatethebestpriceonaneworusedcarforyou. *YoungAdultMembersage15to17musthaveaparentorguardianasajointowner.TheCreditUnionwillreimbursememberswithaYoungAdultCheckingAccount(ages15-22)foranyATMsurchargeortransactionfee.
††CreditUnionwillnotbeheldliableinrelationtoanycarbuyinginformationoradviceprovidedbyCarBuyersHelpline. CarBuyersHelplineisasubsidiaryofCCFCU.
Touch-24 Our24-hour,automatedphoneteller,Touch-24,isavailableanytime.Choosevoice-activatedaudiopromptsoratouch-tonemenutoperformaccountinquiries,transfers,checkrequestsandothertasks.Youcanevenaccessinformationaboutcurrentratesandhours.Foralistofmenuoptions,visitourwebsite,stopbyanybranchorcalltorequestaninformationguide.
Touch-24(518)458-8689 Touch-24TollFree(800)634-2340
Connect-24 Viewaccountbalances,history,checkcopiesandstatements.Conducttransfers,includingaccounttoaccounttransfers;makeloanpayments;viewCreditUnionVISA® transactions;vieworprintcanceledchecksandmore.OnceanAssociatehascompletedthesetup,visittheConnect-24loginfoundonourhomepage.EnteryourCreditUnionAccountNumberandpassword.
Mobile Banking* Accessyouraccountusingyourhand-heldwirelessdevice.Manageyourmoneyanytime,anywherewithourfreedownloadableiPhoneAppandaccesstoourmobilewebsolutionatwww.capcomfcu.mobi.Enjoyreal-timeaccess toyouraccounthistoryandtransactions. *Datachargesmayapply.Checkwithyourwirelesscarrier.
FAFSA Form Preparation TheFreeApplicationforFederalStudentAid(FAFSA)istheformusedbyvirtuallyalltwo-andfour-yearcolleges,universitiesandcareerschoolsfortheawardingoffederalstudentaidandmoststateandcollegeaid.NeedhelpfillingouttheFAFSA?ContactCAPCOMFinancialServicestomakeanappointmenttohaveusdoitforyou,andforalowfee,getthehelpyouneedwiththiscomplicatedform.
Finding the Funding Weofferaselectionofloanstomeettheneedsofparentsandstudentsalike.
Academic Advantage Loan Upto$50,000foreducationexpenses.*
Home Equity Loans Usetheequityinyourhometoaccessthemoneyyouneed.**
Scholarship and Award Programs Ourlong-standingcommitment totheyouthofourcommunity isdemonstratedbythe establishmentandcontinued growthofouryoungadult scholarshipand awardprograms.
The $2,000 Art Goedeke Scholarship Forstudents(underage25)whoareplanningtopursueadegreeincomputerscienceand/orinformationtechnology.
The Making a Difference Awards Awardsaregiventohighschoolstudentswhohavemadeadifferenceintheircommunities.
The Weidner “Ed” Davis Scholarships $2,500scholarshipsareawardedannually to15students.Members(throughage25)whoaregraduatinghighschoolseniorsorarepursuinganundergraduatedegreeareeligibletoapply.Selectionisbaseduponreviewof asubmittedessay.
*Thisloanmaybetaxdeductible;checkwithyourtaxconsultanttodetermineeligibility.**Mayalsobetaxdeductible.
College Bound
Formoreinformationaboutour College Bound programcontact:
KimDonah,CollegeSpecialist,ext.3106 [email protected]
RyanChenot,CollegeSpecialist,ext.3170 [email protected]
(518)458-2195or(800)468-5500
College Knowledge College Planning Workshops Essay Writing Workshop Thisworkshopispresentedbycollegeadmissionsprofessionalsfromadmissions1 educational consultantsatareducedrateforourmembersandconcentratesonkeyelementstowritingasuccessfulessay.
Free College Planning Workshops College Prep Workshop Aguidetochoosingtherightschool,applyingforcollege,completingthecollegeinterviewprocessandfindingscholarshipsgearedtowardhighschoolsophomoresandjuniors.
College Admissions Workshop Thisworkshopforhighschoolseniorsprovidesinformationonthecollegeadmissionsprocess,tipsonapplyingforscholarshipsandcompletionoftheFAFSAapplicationform.
College Experience Workshop Highschoolseniorslearnwhattoexpectintheirfirstyearofcollege,alongwithavailablecollegefundingoptionsandCreditUnionaccounts.
FAFSA Workshop TheFreeApplicationforFederalStudentAid(FAFSA)formcanattimesbeachallengeforhighschoolseniorsandtheirparentstotackle.DuringourFAFSAWorkshop,CAPCOM’sCollegeBoundexpert,KimDonah,alongwithguestspeakerswillwalkyouthroughtheapplicationprocessfromstarttofinish.
College Admissions Consulting Services Professionalcollegeadmissionscounselingservicesthroughadmissions1 educational consultantsarenowavailabletoourmembers atareducedrate.
ProfessionaladvisorsMimiHajjarandAllisonJ.Schultzareavailabletohelpparentsandstudentsnavigatetheentirecollegeselectionandadmissionsprocess.Servicesincludeessaywritingworkshops,two-hourconsultationsandacomprehensivepackageofcollegeadmissionsconsultingservices.
Admissions Counseling Services include: •Educatingparentsandstudentsontheentire applicationprocess. •Reviewingstandardizedtestoptionsandyour child’ssenioryearcourseselection. •Developingalistofappropriateschoolsbased onthestudent’sprofile. •Developmentofanapplicationtimeline. •Assistingyourchildwiththeshapingand editingofhis/hercollegeessay. •Comparingandcontrastingalloffersof enrollmentandfinancialaidonceyourchild isaccepted. •Muchmore!
Helpful ResourcesApplying for student aid: www.federalstudentaid.ed.gov
Free Application for Student Aid (FAFSA): www.fafsa.ed.gov
Estimate of eligibility for student aid: www.fafsa4caster.ed.gov
Resources to help students and parents with the college process: www.nasfaa.org
Scholarship search: www.fastweb.com
Preparation guidance for post-secondary education: www.knowhow2go.org
Planning guides and tips: www.offtocollege.com
College financing, scholarships, grants, loans and college aid: www.saystudent.com
College campus information, news and events: www.saycampuslife.com
Financial aid, money management information: www.mappingyourfuture.org
Common Application www.commonapp.org
SUNY Application www.suny.edu/student/oas/welcome.do
Universal Application www.universalcollegeapp.com
US Dept of Education website to consolidate Federal Loans www.loanconsolidation.ed.gov
College Planning & SAT Testing Information www.collegeboard.com
ACT Testing Information www.act.org
NYS Higher Education Services www.hesc.com
brass MagazineAmagazineaboutmoneywrittenespeciallyforyoungadults.Checkitoutonlineathttp://capcom.brassmagazine.com
www.capcomfcu.org
Phone Numbers & WebsiteCCFCUPhone (518)458-2195CCFCUTollFree (800)468-5500CCFCUFax (518)458-2261Touch-24 (518)458-8986Touch-24TollFree (800)634-2340Connect-24 www.capcomfcu.orgMobileBanking www.capcomfcu.mobi
Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush
REV 2/14/2011
CAP COM FCU is federally insured by the National Credit Union Administration.
Our purpose is to benefit every member, every time, every day. AtCAPCOMourvisionistobeasoughtafterfinancialinstitutionwhoseunbridledcommitmenttoitsmembersandcommunitywillbeunmatchedbyanyone.Ourpurposeistobenefiteverymember,everytime,everyday.Thisuniquephilosophyisthecornerstoneofwhy“Ourservicesaysitall!”