CSEA Endorsed Member Benefits

Powered by CAP COM Federal Credit Union

Your CSEA membership offers tons of valuable benefits – including money-saving, life-enhancing financial resources provided by CAP COM. Bank with a credit union that makes you their priority for:

  • Fantastic loan and credit card rates, fast approvals

  • Digital banking with a free budgeting app

  • Award-winning service, one-on-one guidance

  • To speak with a CAP COM representative dedicated to all CSEA related questions, call (844) 622-CSEA (2732)

18-Month Bump Up Certificate

Satisfy your craving for higher-rate savings.

Put your money to work! This  % APY* Fixed-Rate Share Certificate earns you higher dividends than many savings accounts. Enjoy an excellent fixed rate for 18 Months with the option to change terms and bump up your rate within the first six months.**Available for personal and business accounts.

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*APY = Annual Percentage Yield. Rate and APY are accurate as of today‘s date. Fees and other conditions may reduce earnings. 

**Once your account is established, during the first six (6) months your account is open, you may instruct us to exchange Your 18 Month Bump Up Share Certificate Account with another certificate account we offer with a higher rate, without penalty (excluding a new 18 Month Bump Up Share Certificate Account). The new certificate must have a term to maturity of at least 12 months, and you would be subject to terms and conditions of the new certificate account.

Credit Cards

Lock in a low, fixed interest rate on a card that's packed with benefits and low or no fees.

VISA Platinum, Classic, Secured

  • Low, fixed rate
  • No annual fee
  • No balance transfer fee
  • No foreign transaction fee

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Vehicle Loans

Simplify and save, supported by the CAP COM team all the way.

Compare Our Rates!

  • New and used vehicle loans
  • Fantastic loan rates, fast approvals
  • No payments for first 90 days1

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Mortgages & Home Loans

Afford your dream home or make renovations with CSEA Heroes Home Solutions.

  • Excellent rates, down payment options
  • Access cash for home improvements
  • $500 cash back for CSEA homebuyers!2

More Benefits

Learning Center

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Cash Rebate or 0% Financing?

At the dealership, you might be offered a cash rebate or 0% financing. What's the better deal?

Incentive Pros & Cons

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Take Charge of Your Credit Score

Understand the factors that affect your credit score and see a few simple ways to raise it.

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What is GAP?

Car totaled? If the payment you get from insurance falls short of what's left on your loan, GAP helps pay it off.
 

More Information

  1. Some restrictions apply. Ask a representative for details. New/Used Auto Loans and refinances of non-CAP COM Auto Loans only. Credit Union membership required for loan disbursal. Interest on 30, 60, or 90 days no payment loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments.

  2. Full disclosures and terms will be provided during the Mortgage Program consultations. The summary below is not all-inclusive.

    • Mortgage is restricted to the primary residence (purchase only) located in New York State.
    • Must be credit qualified and eligible for CAP COM membership. A CAP COM checking account with payroll direct deposit and automatic mortgage payments is required.
    • The $500 deposit will be made to the program participant’s CAP COM checking account within 30 days of the closing, upon verification of all eligibility requirements.
    • Proof of CSEA Membership is required to be eligible for the CSEA Heroes Home Solutions Mortgage Program.
    • This program cannot be combined with any other offers, including the Community Heroes Mortgage Program.