Hudson River Community Credit Union lends millions of dollars to hundreds of Members each year. Members finance through HRCCU new and used vehicles, recreational vehicles, motorcyles, home improvements, college education, computers and more! Loan interest rates are reviewed periodically to ensure they are competitively priced.

All rates and terms are subject to change without prior notice. Contact HRCCU at 518-654-9028 or 1-800-824-0700 for verification of loan rates, terms/conditions and loan specials. All secured loans with the exception of a share secured loan must pay the Vendor Single Interest (VSI) insurance payment of $65 per loan.

New Vehicles

If qualified, HRCCU can finance up to 100% of the cost of a new car, truck or van, including tax and fees. The terms for this loan are 60, 72 or 84 months.

Used Vehicles

HRCCU will finance used automobiles and trucks. Terms up to 60 months are available.

Pre-Approval of New and Used Vehicle Loans

A member may fill out an application before he/she starts shopping for a vehicle. Once it's approved, the Member may select a vehicle at his/her leisure. A pre-approved vehicle loan is valid for 30 days. Pre-Approved financing may give the Member an advantage when bargaining for the price of the vehicle. Members can also call HRCCU's 24/7 loan service LOAN EXPRESS at 1-800-824-0700 and select option 1 to get qualified right over the telephone!

New and Used Recreational Vehicles (RV's)

If qualified, HRCCU can finance up to 85% of the cost of a new or used RV including tax and fees; Members may qualify for terms up to 120 months.

GAP Protection

If your vehicle is a total loss through either theft or accident, will you receive full compensation from your existing insurance policy? Probably not. In fact, the value an insurance company places on your car is often much less than the outstanding loan balance you owe. This difference between the amount you owe, less your deductible, and what the insurance company pays for your wrecked or stolen vehicle is the "GAP." If your car was declared a total loss, you would be responsible for this "GAP" -- which can amount to thousands of dollars! The solution, GAP Protection. GAP Protection will pay off your remaining loan balance when the insurance settlement for a total loss is less than what you owe, minus any deductible, past due payments and fees. For more information and a free brochure, complete HRCCU's on-line Brochure Request Form. Or call, visit or fax any of our four locations in Corinth, Glens Falls, Cohoes and Hudson Falls. Coming soon, a fifth branch located at 40 Leversee Road, Troy.

VISA PLATINUM and PLATINUM POINTS Credit Cards

HRCCU offers low-interest VISA Credit Cards with FIXED rates if credit qualified. Spending limits available are up to $25,000. There is no annual fee and no fees for application or cash advances. For more details on card benefits, visit VISA Credit Cards on our website.

Personal Loans

Members can borrow for the purpose of vacation, holiday gift buying, computers, furniture or other major purchases. Maximum loan term is 60 months.

Debt Consolidation

Members can borrow for the purpose of consolidating existing loans. Maximum term up to 60 months.

MORPAC

Now HRCCU members can rely on their credit union when it comes time to finance what will probably be the most important purchase of their life--a new home. HRCCU's mortgage partner in the mortgage market MORPAC (Mortgage Processing Assistance Center). MORPAC provides outstanding member service and offers several unique and affordable mortgage products including:

• Fixed and Adjustable 1st and 2nd Mortgages!
• FHA and VA Loans!
• No Income Verification Loans!
• Investment Property Loans!
• Jumbo Mortgages!
• Credit Rebuilder Products!
• Construction Loans!
• Co-op Loans!

NY Energy Smart Loans

HRCCU also offers members New York State Energy Smart Loans to help make homes or businesses more energy efficient. The New York State Energy Smart Loans feature interest-rate reductions of 4.50% below market rate for cost-saving, energy efficient measures and renewable-energy projects such as installation of a new furnace, windows, siding or appliances. Eligible applicants must be homeowners who are National Grid customers and HRCCU members-in-good-standing. Loan terms are up to 5 years with reduced loan rate and maximum loan amount up to $100,000.

Click here Loan Application to apply for a loan online or call our toll-free lending service LOAN EXPRESS at 1-800-824-0700 select option 1 and get qualified over the telephone! For current loan rates, visit our Rateboard.

NOTE: To obtain HRCCU loans, members must credit qualify to receive rate and be a member in-good-standing. A $5.00 credit report fee may also be charged. Other terms and conditions may apply and rates are subject to change without notice. Annual Percentage Rate = A.P.R.. All secured loans with the exception of a share secured loan must pay the Vendor Single Interest (VSI) insurance payment of $65 per loan.