Online Bill Pay Saves Time And Expense!
Capitol Region's user-friendly Online Bill Pay is available to members at no cost. Now members can use their PCs to pay bills online. Our service-rich, highly secure Bill Pay system is easy to use, even for the novice. Online Bill Pay also makes it simpler and easier to manage and keep records of personal finances.
Members With Home Banking can click CRFCU@Home , then log in, then click on the "Pay Your Bills" globe icon near the CRFCU logo at top left of the page for simple instructions on enrollment and use of Online Bill Pay.
Members who Do Not yet have home banking need three free Capitol Region products in order to enroll in Online Bill Pay; they need to:
1. Open a free checking (share draft) account at any office;
2. Enroll in free Capitol Connection telephone banking;
3. Enroll in free CRFCU@Home home banking.
Capitol Connection enrollment is easy: simply call 860-513-4031 and follow the prompts. To enroll in CRFCU@Home, click here to download the Home Banking Application from our website; either deliver the completed application to a CRFCU branch or fax it to 860-513-4030.
New West Hartford Office Offers 24 x 7 ATM,
Interior and Exterior Entrances...and New
Thursday Hours from 10:30 a.m. - 6:00 p.m.
Capitol Region's new office at the north end of West Hartford Town Hall at 50 South Main Street opens January 7, 2008. It includes a new outdoor entrance, as well as access from inside Town Hall. For members' convenience, extended Thursday hours from 10:30 a.m. to 6:00 p.m. start January 10.
The ATM in the foyer of the new office will be accessible 24 x 7 from our new outdoor entrance near the sidewalk adjacent to Blue Back Square's Heritage Condominiums. Whenever Town Hall is open, the ATM will be also accessible from the first floor hallway inside Town Hall.
Members who enter through Town Hall will turn right at the Information Desk and proceed to the foyer of our new office at the end of the hallway. Our new exterior entrance is about 30 yards to the right (north) as you face the main entrance to Town Hall.
Parking at Town Hall is now metered. The first one-half hour will be free and will not require validation. Handicap parking is available to the right of the main entrance to Town Hall near the building and convenient to our new exterior entrance.
Home Mortgage Choices from CRFCU:
Apply On-line or Apply In-person
Capitol Region can help with mortgage financing for purchase or re-finance of residential property. Call the Loan Manager at 860-513-4024 x 212 for up-to-date information, to arrange a meeting or to apply for a new mortgage loan . You'll learn about a wide choice of fixed and adjustable-rate financing plans offered in conjunction with our mortgage partners, Members Mortgage Co and Mortgage Markets CUSO.
Apply On-line: With our mortgage partner Mortgage Markets CUSO (Credit Union Service Organization), members can Click here to preview rates, compare plans, calculate payments, get pre-qualified, receive estimates of most closing costs, and apply on-line, with the option to get a conditional Fannie Mae approval letter. If you decide to apply on-line, please indicate your membership in Capitol Region FCU when requested.
New Businesses Invited...
100+ Area Employers Offer Membership at
Capitol Region as an Employee Benefit
Capitol Region serves employees (and their families) of 100-plus Connecticut businesses, municipalities and non-profits, both large and small, as well as members of several organizations and chambers of commerce. We look forward to establishing new relationship and serving more businesses and organizations.
Employers of all sizes offer credit union membership with Capitol Region as a valuable, multi-purpose employee benefit. We offer our members a complete range of consumer financial services and products. Many are free, others are available at competitive rates, and all are provided by a caring professional staff backed by over 50 years of commitment.
Individuals become eligible to join Capitol Region because of their employment or affiliations with the 100-plus businesses and organizations that have requested a relationship with us. Employers simply submit our non-financial 10-Minute Application requesting eligibility for their employees to join. There is no employer cost. Employees can join by opening a $5 savings/share account. There are no membership dues or fees...and members' immediate family and household members are also eligible to join.
New employers are invited! To learn about membership or to obtain our simple 10-Minute Application for employers, please call Gerry Whitehead, Membership Development Manager, at 860-513-4024 x209; or send him an email by clicking on contact us.
No Surcharges at 25,000-plus ATMs...
Members with CRFCU MasterMoneyTM ATM-Debit Cards have surcharge-free use of more than 25,000 CO-OP Network and SUM Program ATMs in the U.S., Canada and Puerto Rico...over 500 of which are in New England. These ATMs all provide withdrawals and some also accept deposits...with no surcharge to Capitol Region MasterMoneyTM card holders. To find convenient network ATMs, click here for the CO-OP Network website, or click here for the SUM Program website.
We Can Help You Clear Up Your Debt...
Capitol Region FCU has lots of possible solutions when it comes to debt consolidation. Whether you want to consolidate your credit card debt or take care of car loans, student loans or other debt...we'll help you take a look at your options. We might even come up with some solutions you never even dreamed about!
We'll show you how to stop unnecessarily wasting money. And we'll look for ways you can pay off your debts faster while lowering your monthly payments at the same time. Don't wait for debt problems and pressures to get worse... take advantage of CRFCU's expertise and today's low rates. Call 860-513-4024 ext. 212 today, or Apply now!
Private and Secure Transactions...Plus 24/7 Access
Capitol Connection audio response and CRFCU@Home home banking offer both convenience and privacy by providing members 24-hour-per-day access to their accounts from their homes and workplaces via phone or computer...for free. Capitol Connection and CRFCU@Home are private and secure options for account information and transfers.
For enhanced member security and to maintain maximum privacy and security of members' accounts, Capitol Region will not provide account information or perform account transactions via live telephone. However, members can obtain 24 x 7 account access via telephone (audio response) by enrolling in Capitol Connection: call 860-513-4031 and follow the prompts. Members can also sign up online for CRFCU@Home; they must first enroll in Capitol Connection audio response in order to sign up for CRFCU@Home.
Share the Benefits of CRFCU Membership!
With Family Members & Household Residents
Most Capitol Region member know that their immediate families and permanent household residents are also eligible for membership here. It's easy for them to join: they just open a $5 savings/share account. Then they'll be eligible to apply for no-fee checking, no-fee MasterMoneyTM Debit/ATM card, no-fee VISA Credit card, mortgage loans to purchase or refinance homes, home equity loans and lines of credit, and other types of loans to finance vehicles and more...plus most other popular consumer financial services. If you're already a Capitol Region member, help your family members and household residents join, too. Have them apply for membership today, or contact us and we'll send them their own membership packets.
What About Auto Dealers' "0%" Financing...?
Heavily-advertised auto financing rates of 0% APR may create a "too-good-to-be-true" impression for good reason: they may be too good to be true!
Frequently, 0% rate offers are restricted to borrowers with exceptionally high credit ratings, and often they require repayment terms of no more than 36 months, resulting in very high monthly payments when compared to more popular terms of 48, 60 or 72 months. Some 0% financing also prohibits borrowers from taking a rebate; and sometimes their availability eliminates or reduces any flexibility in the vehicle's price.
Financing a new (or used) vehicle at Capitol Region's traditionally low rates and favorable terms often leads to lower overall costs, especially when any rebate or lower negotiated prices apply.
Save on GAP...Only $189 from Capitol Region: If a financed vehicle is damaged or destroyed and its insurance is inadequate to pay off the loan balance, GAP will pay the difference betwen the insurance proceeds and the balance still owed on the vehicle loan.
Members who finance vehicles through CRFCU can purchase GAP for only $189.00, which is sometimes several hundred dollars below the price of GAP purchased through auto dealers.
With Capitol & Capitol Plus Accounts...
You'll Get More, Earn More, Save More
Capitol and Capitol Plus accounts are combination packages of our most versatile and useful financial products, including no-fee checking, no-fee MasterMoneyTM Debit-ATM cards, free Capitol Connection Audio Response and free Direct Deposit or Payroll Deduction. Members with Capitol and Capitol Plus accounts pay no fees for their packages of qualifying products and services. Benefits include paying lower interest rates on many types of loans and earning higher interest rates on many deposit products. 1. Pay Reduced Rates on Consumer Loans 2. Pay Reduced Rates on Home Equity Lines of Credit 3. Earn Higher Dividend Rates on Term Shares 1. Pay Reduced Rates on Consumer Loans 2. Pay Reduced Rates on Home Equity Lines of Credit 3. Earn Higher Dividend Rates on Term Shares
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