CAP COM Federal Credit Union

What CAP COM Federal Credit Union does

CAP COM Federal Credit Union, now operating as Broadview Federal Credit Union following its merger with SEFCU, is a member-owned federal credit union headquartered in Albany, New York. Founded in 1953 and federally chartered under the National Credit Union Administration, the cooperative serves nearly 500,000 account holders across New York State through a multi-channel model combining physical branch locations, a member service center, and digital banking platforms including an iOS and Android mobile application with mobile deposit, online banking, and card management tools.

The institution offers a full-service retail and commercial banking suite: checking and savings accounts, share certificates with rates up to 3.75% APY, IRAs, personal and business credit cards, vehicle loans from 3.99% APR, unsecured personal loans ranging from 8.49% to 17.50% APR, student loans, 30-year fixed mortgages, home equity lines of credit with $0 closing costs, commercial real estate loans, and business lines of credit. Distribution is supported by wholly owned subsidiaries — Broadview Insurance Agency and Broadview Wealth Management — and by the Broadview Cares Foundation, which administers community giving programs, scholarships, and the Why I Care Awards.

Revenue is generated primarily through net interest income on the lending book, supplemented by deposit-related fees, card interchange, and fee income from insurance and wealth management affiliates. As a not-for-profit cooperative, surplus is reinvested into member rates, technology, and community programs rather than distributed to shareholders. The core technology stack is a standard digital banking platform with mobile and web front-ends; no proprietary AI or ML capabilities are disclosed in the available data.

Name

CAP COM Federal Credit Union

Legal name

Broadview Federal Credit Union

Website

https://capcomfcu.org

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

251–500 employees

Short description

CAP COM Federal Credit Union, now operating as Broadview Federal Credit Union, is a member-owned federal credit union headquartered in Albany, NY, serving nearly 500,000 account holders across New York State with full-service personal and business banking, digital platforms, and affiliated insurance and wealth management services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Consumer lending
• Mortgage lending
• Credit union services
• Digital banking

Headquarters

HQ city

Albany

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: The credit union generates revenue primarily through interest earned on loan products including mortgages, vehicle loans, personal loans, home equity lines of credit, and commercial real estate loans. Interest rates range from competitive market rates (e.g., personal loans from 8.49% APR to 17.50% APR, vehicle loans starting at 3.99% APR)
2. Deposit Account Fees: Fee income from checking accounts, overdraft protection services, and other account-related services
3. Financial Services: Revenue from affiliated subsidiaries including Broadview Insurance Agency and Broadview Wealth Management

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

CAP COM Federal Credit Union (now Broadview Federal Credit Union) is a member-owned, not-for-profit credit union that provides personal and business banking products — including checking, savings, share certificates, IRAs, credit cards, vehicle loans, personal loans, student loans, residential mortgages, and home equity lines of credit. The institution also delivers commercial banking solutions (business checking/savings, credit cards, commercial real estate loans, business term loans and lines of credit) and operates wholly owned subsidiaries offering insurance (Broadview Insurance Agency) and wealth management (Broadview Wealth Management) services.

Product overview

Broadview Federal Credit Union (formerly CAP COM Federal Credit Union, now merged with SEFCU) offers a comprehensive suite of financial products and services organized into personal banking, business banking, and community programs. Personal banking includes checking, savings, certificates with rates up to 3.75% APY, credit cards, vehicle solutions with rates from 3.99% APR, personal loans (8.49%-17.50% APR), student loans, and home lending including 30-year fixed mortgages and HELOCs with $0 closing costs. Business banking covers checking, savings, commercial real estate, and business loans. Digital banking is delivered through online and mobile platforms with features including mobile deposit, card management, and account alerts. The organization operates wholly-owned subsidiaries for insurance (Broadview Insurance Agency) and wealth management (Broadview Wealth Management). Community engagement includes grants, scholarships, and the Broadview Cares Foundation.

Differentiator

Problem solved

Functional benefit

Brands

• Accelerate Youth Program: Youth financial education and savings program for young members.
• College Bound
• Giving for Good
• Why I Care Awards
• MoneyEdu
• Broadview in the Classroom

Products and services

• Personal Checking Core personal checking account for individual members, including debit cards, personal line of credit, and overdraft protection.
• Savings Accounts Savings accounts for individuals including regular savings, youth savings, Build Your Savings programs, and IRA management.
• Share Certificates Share certificate (CD) accounts offering competitive rates as high as 3.75% APY with dividends accruing daily.
• Credit Cards Personal and business credit card products issued to members.
• Vehicle Solutions Auto loan product for members with rates starting at 3.99% APR, vehicle buying services, and a 90-day no payment option.
• Personal Loans Unsecured personal loans with rates ranging from 8.49% APR to 17.50% APR and terms from 12 to 60 months, priced by creditworthiness.
• Student Loans Education financing options for college students and recent graduates.
• Home Lending Solutions Residential mortgage products including 30-year fixed-rate mortgages, refinance options, and home equity lines of credit with $0 closing costs, available in New York State.
• Business Checking Business checking account for commercial members of the credit union.
• Business Savings Savings accounts designed for business owners and commercial entities.
• Commercial Real Estate Loans Financing solutions for commercial property acquisition and development.
• Business Loans and Lines of Credit Commercial lending products including term loans and revolving credit facilities for business members.
• Broadview Business Experience Premium business banking package with enhanced services and features for business members.
• Digital Banking Online banking platform enabling account management, transfers, bill pay, and account alerts.
• Mobile Banking App Mobile application for iOS and Android providing banking services including mobile deposit, account access, and alerts.
• Broadview Insurance Agency Wholly owned insurance subsidiary providing coverage for vehicles, watercraft, and recreational vehicles, offered at broadviewinsuranceagency.com.
• Broadview Wealth Management Wholly owned wealth management subsidiary providing investment and financial advisory services, offered at broadviewwealthmanagement.com.
• Youth Services Financial programs for young members including the Accelerate Youth Program, Youth Savings Challenge, and College Bound.
• Debt Protection Credit protection service covering outstanding loan balances in cases of death, disability, or involuntary unemployment.

Quantifiable outcome

• $0 closing costs on Home Equity Lines of Credit
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Broadview Insurance Agency, LLCcoreOEM/ Whitelabel/ Licensing PartnerWholly owned subsidiary of Broadview Federal Credit Union providing insurance products including coverage for watercraft, recreational vehicles, and general insurance needs. Available through broadviewinsuranceagency.com with quotes available through the website or by contacting a representative.
• Broadview Wealth ManagementcoreOEM/ Whitelabel/ Licensing PartnerAffiliated wealth management services providing investment and financial planning services to Broadview members. Available through broadviewwealthmanagement.com.
• Apple App StoreminorChannel Partner/ Reseller/ DistributorMobile application distribution through Apple's App Store for iOS devices (Broadview FCU Mobile App)
• Google PlayminorChannel Partner/ Reseller/ DistributorMobile application distribution through Google Play for Android devices (Broadview FCU Mobile App)

Scale indicators3 records

Recent moves3 records

Expansion highlights6 records

Broad incumbents

• PenFed (Pentagon Federal Credit Union): Large federally chartered credit union with national digital consumer banking and lending products. Compares to Broadview on digital strategy and consumer credit card/personal loan offerings but operates at national scale.
• Community Bank, N.A. Upstate New York-based commercial bank with consumer and business banking plus mortgage lending. Direct regional competitor to Broadview for SMB and consumer deposits and loans in the same geography.
• Navy Federal Credit Union: The largest U.S. federal credit union with a comprehensive consumer banking, lending, and digital platform. Sets the bar for product breadth, digital capability, and operating scale within the federal credit union category.
• KeyBank: Major regional bank with retail, commercial, and mortgage operations across New York State. Competes with Broadview across consumer and small-business banking segments in the Capital Region market.
• M&T Bank: Large regional bank with significant presence across New York State including Albany. Competes with Broadview on consumer deposits, mortgages, and small-business banking in the Capital Region.

Direct peers

• Bethpage Federal Credit Union: Large New York State-based federal credit union with a comparable full-service consumer and business banking offering. Highly relevant as a same-model, same-region peer competing for overlapping members in downstate and Long Island markets.
• Sunmark Credit Union: New York State community credit union with consumer lending and deposit products. Overlaps with Broadview in the Capital Region market and provides a direct benchmark on local market share dynamics.
• ESL Federal Credit Union: Rochester, NY-based federal credit union offering consumer and business banking, wealth, and insurance-adjacent services. Comparable full-service cooperative model serving a New York State regional market.
• Hudson Valley Credit Union: New York-based federal credit union serving the Hudson Valley with retail deposits, mortgage, and commercial lending. Directly comparable in scale, charter type, and service area adjacency to Broadview's Capital Region footprint.

Emerging players

• Alliant Credit Union: Digital-first federal credit union with consumer deposits, credit cards, and lending. Represents the digital-native threat vector for regional cooperatives like Broadview that compete primarily on rates and service.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/cap_com_fcu
• Facebookfacebook.com/capcomfcu
• LinkedInlinkedin.com/company/broadview-federal-credit-union/mycompany
• Instagraminstagram.com/Broadviewfcu_

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CAP COM Federal Credit Union