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Valuable Financial Education for You

Convenient financial workshops and online education
to help you make sense of your financial situation.

April      May       Online Education

Special Home Loan Rates!

We now offer special limited time only rates on 5 and 15-year term Home Loans.

Tell us your plans. We may have a loan program to meet your needs at a rate and term that you’ll appreciate.
Check our Home Loan Rates          Contact Us

Property & Vehicles For Sale

HRCCU offers homes/property, vehicles and RVs for sale on an “As Is” basis.

View and bid on current items for sale.

Certificate Savings Specials

Maximize your savings in 2014 with a high-yield HRCCU Certificate. We offer High Annual Yields for Share and IRA Certificates.
View our current Certificate Specials.

Vote for HRCCU!

Voting is now open in the 2014 Times Union “Best Of the Capital Region” Poll. Please vote for HRCCU as “Best Bank/Credit Union (Category #7).

Vote Here

Mortgage Loans

The Mortgage Loan that’s just right for you…
from the lender that’s just right for you.

Find out more!     Attend a Home Buying Workshop!

Virtual Branch Home Banking

Safely and securely access your Credit Union accounts,
to view transactions and transfer money online!

Find out more!

We’re here to help you.

We’re members, just like you. Working together, we can help you to overcome just about any financial challenge.

Contact Us

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Choice Checking

Choice Checking

A simple, Free Checking account. Perfect for those with basic checking needs.

Premier Checking

Premier Checking

An interest-bearing account for members who maintain higher balances.

Prime Plus Checking Account

Prime Plus

For members age 62 and over who direct deposit net pay or retirement monthly.

Youth Checking

GR8 2B YOUNG

This is the perfect starter checking account.  Designed for Young Adults ages 15-25.

Business Checking

Business Checking

Any sole proprietor, partnership or corporation will enjoy the benefits of our business accounts.  Two great account options:

Community Business Checking

Community Business Plus Checking

Choice Checking Premier
Checking
Prime Plus
(Members ages 62+)
GR8 2B Young
(Ages 15-25)
Best For Members 25 & older. Members w/ a minimum Balance > $500. Age 62 & over. Teens and Young Adults.
Minimum Balance $0 $500 $0 $0
Monthly Service Fee $0 $5 fee charged if Average Daily Balance falls below $500. $0
Must have direct deposit.
$0
Must use eStatements.
Check Order Fees First order of 120 free BASIC Checks Free Unlimited BASIC Checks Free Unlimited BASIC Checks One free Box per year BASIC Checks
Per Check Charges No No No No
Visa Debit Card Access Check Check Check Check
Foreign ATM Transaction Fees  $2 each First Five (5) transactions free/ month; $2 each additional transaction $2 each First Four (4) transactions free/ month; $2 each additional transaction
Courtesy Pay Protection Available Check Check Check Check
FREE* access to Virtual Branch & Mobile Banking (*data & other charges may apply) Check Check Check Check
FREE Audio Response Check Check Check Check
FREE eStatements (link estatements) Check Check Check Check
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Choice Checking Premier Checking Prime Plus Checking GR8 2B Young
(Ages 15-25)
Non-Interest
Bearing
Balances less than
$2,499.99
Rate 0.05%
APY* 0.05%
Non-Interest
Bearing
Balances over
$250
Rate 0.10%
APY* 0.10%
Balances over
$2,500
Rate 0.10%
APY* 0.10%

*APY = Annual Percentage Yield.

Community
Business Checking
Community
Business Plus Checking
Best For Smaller business with less than 300 monthly transactions. Larger organization with greater than 300 monthly transactions and higher balances.
Minimum Balance $0 $2,500
Monthly Service Fee $0 $10 fee charged if Average Daily Balance falls below $2,500.
Interest Bearing Account No Yes
VISA® Debit Card Access Check Check
Foreign ATM Transaction Fees  10 free. $2 each thereafter. 15 free. $2 each thereafter.
Courtesy Pay Protection Check $600 Check $600
FREE Virtual Branch & Mobile Banking Check Check
FREE Audio Response Check Check
FREE eStatements Check Check
Monthly Transactions; include ACH, Debits, Credit, Over the counter withdrawals and deposits-cash and checks 300 items free; thereafter $0.20/item 500 items free; thereafter $0.20/item
Switch Today! Switch Today!
Community
Business Checking
Community
Business Checking Plus
Non-Interest Bearing Balances between $2,500 – $9,999 Rate 0.15%
APY* 0.15%
Balances over $10,000 Rate 0.20%
APY* 0.20%

* APY= Annual Percentage Yield.