Refer Your Co-worker Today!
Share $20 Referral Rewards in
Co-Worker Membership Drive!
Chances are, someone you work with needs one or more of our many helpful financial products and services. Why not do a favor that can benefit both of you: encourage him/her to join Capitol Region FCU today! 
         Participate in the Co-worker Membership Drive: During this Drive, Capitol Region members can refer eligible co-workers to the credit union and share a $20.00 reward with each of those co-workers who joins by July 31, 2008. Membership is available to eligible "co-workers" who are employees, members, retirees and pensioners of our 100-plus Employer Groups (click here to see list).          
         Consumer Reports praised credit unions in March 2007, stating: "...credit unions offer the best banking deals around. But to get in on them, you have to become a member." It should be easy to encourage eligible co-workers to become members, so they, too, can experience Capitol Region's excellent products, great rates, minimal fees and member-focused service.  
     
    Membership Drive Rewards
     $10.00 to Member who Makes Referral
     $10.00 to New Member who Joins
     $250.00 Drawing for Referrals of New Members
     
       To Make Referrals, current members  should complete a brief Co-worker Membership Referral Form, which the "new" member should present when opening a $5.00 (minimum) share account to join CRFCU.  Capitol Region will then deposit $10.00 rewards to the share accounts of the referring member and the new member. Members are encouraged to make multiple referrals and share multiple rewards.
      Plus...$250 Drawing! In addition, all Referral Forms for new members will be entered in a random drawing in August for one $250.00 reward to the member who made the referral on the winning Form.  Co-worker Membership Drive Referral Forms and guidelines are available in CRFCU's Spring 2008 Commentary newsletter, at Capitol Region offices, and by calling the New Accounts Desk at 860/513-4024 x205. 
        Membership at CRFCU is also available to the immediate family and permanent residents of a CRFCU member's household; however, the current Membership Drive does not include family and household resident referrals.

Online Bill Pay: Quick and Easy 
Members Won $600 in Drawings for
New Users of Free Online Bill Pay
During a recent promotion, three members who had used Online Bill Pay for multiple transactions won $200.00 each in monthly drawings.
     The winners were Dane Salzarulo, a member since 1975, Lisa Davis and Larry Lambert, Jr. All three members are enthusiastic about the surprising ease and simplicity of using Online Bill Pay, as well as the time-savings and cost-savings Bill Pay provides. They all plan to continue using Online Bill Pay.
     Free Online Bill Pay advantages include ease-of-use, speed, security, the elimination of postage expense, and simple, accurate record-keeping. It is particularly helpful for paying recurring bills, like utilities, rent or mortgage, credit card payments, etc. To learn more, click here or visit a Capitol Region office.

Thursday Hours 10:30 am to 6:00 pm
New West Hartford Office Open
Our new West Hartford office is open at  50 South Main Street on the first floor in the north end of Town Hall. Members can choose to enter directly from inside Town Hall or from the new outdoor entrance near the end of the the one-story wing on the right (north) side of  Town Hall, opposite the red awnings on a nearby Blue Back Square building.
           24 x 7 ATM Access: Our ATM in the foyer is now accessible 24 x 7 from our new outdoor entrance; the ATM can also be accessed from inside Town Hall during our normal office hours.Thursday hours are now 10:30 a.m. to  6:00 p.m. Parking is available in Town Hall's surface parking lots. The closest handicap parking spaces are located by the sidewalk to the right of the main doorway to Town Hall. Turn right on the sidewalk to reach our new exterior entrance. 

See Capitol Region First for
Low Rates on Mortgages to
Buy or Re-finance Your Home; 
Reverse Mortgages, too
Capitol Region FCU and our mortgage partners offer mortgage financing at competitive rates to help purchase or re-finance houses, condos, second homes and multi-family properties in Connecticut and most other states. Reverse Mortgages are now available, too.
     Buying or Re-financing? Call Laurie Mornhineway, Loan Manager, (860) 513-4024 x212, for rates and information before you re-finance your current home or go house-hunting for a new one. And, if you prefer to apply online, click here for a direct link to Mortgage Markets CUSO, our mortgage partner; remember to indicate your Capitol Region membership.
     Financing choices include mortgage plans with no points or closing costs. 
     Reverse Mortgages are now offered to CRFCU members 62 or older who want to convert some of the equity in their homes into cash...without making monthly mortgage payments. The mortgage doesn't have to be paid off until the homeowner permanently moves or leaves the home. For information, Call Laurie, 513-4024 x212. 

 100+ Employers & Organizations Offer Eligibility:
Employers Invited to Request Credit Union
Membership Eligibility for Employees
By submitting a brief request, Connecticut businesses and non-profits can arrange with Capitol Region to offer credit union membership eligibility as an optional benefit for their employees, volunteers and members...at no cost or obligation.  We are a professionally managed, member-owned, non-profit financial collaborative founded in 1954. Our relationships with100-plus businesses and other groups enable us to serve thousands of individual members.
      Consumer Reports praised credit unions in March 2007, stating "...credit unions offer..the best banking deals around." In the past year, 24 Connecticut businesses and non-profits arranged with Capitol Region to offer credit union membership eligibility to their employees and volunteers who wish to join and to gain access to Capitol Region's complete menu of competitive financial products and outstanding service. Small and large businesses and organizations are welcome.
       Owners and managers interested in arranging  membership eligibility for employees or members are encouraged to contact Gerry Whitehead, Manager of Membership Development, at 860/513-4024 x209 or via e-mail by clicking here.  There is no cost or obligation to employers, who need only to submit a completed copy of our 10-Minute Eligibility Request:  the result can be a valuable, permanent and multi-faceted benefit. 

           Click Here for Access to
 

Auto Loan Rates Now
From Only 4.40% APR
Before you buy or refinance a vehicle, apply for Capitol Region FCU's low auto loan rates from only 4.40% APR to 6.00% APR. Terms are from 24 to 72 months. Lowest rates benefit members with Capitol Plus accounts...next best rates are for members with Capitol accounts. APR=Annual Percentage Rate.

Mortgage Loans To 
Buy Or Re-finance

Click "Apply Now" box above to check current mortgage rates and features...or even apply online for a wide selection of mortgage plans through Mortgage Markets CUSO...some with no points or closing costs. Need more information? Call Laurie Mornhineway, Loan Manager, 860/513-4024 x212.

Online Bill Pay...
Easy, Simple, Fast, 
Free and Secure

Sign up and save time and expense soon! Click here to learn how easy it is to use your PC to pay your bills with Capitol Region's Online Bill Pay.

 
Mortgage Hotlines
Offer Help With 
Foreclosure Issues
Homeowners who cannot make their mortgage payments or who are facing foreclosure should call their mortgage lender at the earliest signs of payment difficulty. Connecticut homeowners can also contact the following resources for guidance and advice: Department of Housing and Urban Development (HUD) , 1-800-569-4287, for names of approved housing counselors who give free or low-cost advice; Connecticut Mortgage Foreclosure Assistance Hotline, (877) 472-8313; and Connecticut Housing Finance Authority (CHFA), 860-571-3500, regarding possible eligibility for the new CT Families Refinancing program. All homeowners should avoid foreclosure "Rescue" scams perpetrated by con artists.

HOLIDAY CLOSINGS
Capitol Region offices will close  Monday, May 26  in recognition of Memorial Day. We will open early at 9:00 a.m. Tuesday, May 27. Click here for a complete list of 2008 holidays.

No Surcharges At
25,000-plus ATMs
Members with Capitol Region FCU MasterMoney^TM  ATM-Debit cards have free use of ATMs at all Capitol Region offices, as well as surcharge-free ATM use at more than 25,000 locations in the CO-OP Network and SUM Program in the U.S., Canada and Puerto Rico. To find CO-OP ATM locations, click here and select "Consumers". For SUM Program ATM locations, click here.