IMPORTANT UPDATE 5/30/2020: Virtual Branch continues to experience intermittent issues today. The login window or login page may have difficulty or slow response time loading, or you may receive a message similar to "we are unable to validate your information". Please wait a few minutes and try our site again. Our mobile app is available, so we encourage members to access their accounts via the mobile app at this time, if possible. Please know our technical team is working as quickly as possible to resolve these issues. We know how important member access to online banking is at these difficult times and we appreciate your patience.

REMINDERS: As of April 15, 2020, our drive-up teller windows will remain open, however, lobby access will be restricted. Please refer to the important update article posted in our website News & Events section. Additional information is also located in our NEWS section regarding the postponement of our Annual Meeting.

Capital Financial Planning, LLC

Your Personal Wealth and Risk Manager - Bruce Gaynor


  • 403b
  • Trusts and Estates
  • 529 College Savings
  • Small Business Retirement Plans
  • Stocks, Bonds, Mutual Funds, ETF's and More


  • Customized Financial Planning
  • Retirement Income Planning
  • Social Security Optimization


  • Long Term Care
  • Term Life / Permanent Life
  • Disability

To request an appointment, call 518-286-1611 (Troy) or 518-456-1611 (Albany) and one of our Member Service Representatives will assist you. Or reach Bruce directly by calling 518-867-4000 x405.

Bruce Gaynor MS ED.
, a former high school history teacher and Track and Field coach at Averill Park, is a 10 year veteran of the financial services business. Bruce's sons, Jack and Adam, are in college locally (RPI and Oneonta) and they can all be found on hiking trails most weekends. Specializing in educating his clients, Bruce wants them to make informed decisions and create financial plans that evolve throughout the phases of their lives.


Investment advice offered through Capital Financial Planning, a registered investment advisor. Capital Financial Planning is a separate entity from LPL Financial.

Securities offered through LPL Financial, Member FINRA/SIPC.

Insurance products offered through LPL Financial or its licensed affiliates.

Not NCUA Insured | Not Credit Union Guaranteed | May Lose Value

* LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

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Capital Financial Planning LLC

Your source for investment advice, financial plans, wealth management and investment advisory services.

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Sprint Discount

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Learning Center

Browse resources, links and information to help you manage your finances.