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Member Referral Rewards

Refer a new member account to HRCCU and both you and the new member will received $50 Visa Gift Cards! Stop by your local branch to pick up a Good Neighbor Member Referral Form.
Click here for details!

No Fee, No PMI Home Loans!

What’s on your 2015 to-do list?
Find out more about our No-Fee, no PMI Home Loans today!

Contact Us         APPLY ONLINE

Columbus Day Holiday Hours

We’ll be closed Monday, October 12th  for Columbus Day and reopen on October 13th at our regular hours.

You can access your accounts through Virtual BranchMobiliti™, our Audio Response System, HRCCU and CO-OP ATM while we’re closed.

Your Money Tree has expanded its branches!

We are now part of the CO-OP Shared Branch Network.
Find your nearest branch now!

Mortgage Loans

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

Find out more and apply online!    

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Awards and Rankings


  • 5-Star (Superior) ranking for more than ten years in a row, by Bauer Financial, Inc., the nation’s leading bank and credit union rating firm that analyzes and reports on the nation’s financial industry.
  • 2014 CUANY Desjardins Adult Financial Education Award –  On-site Financial Literacy Program
  • 2014 CUANY Dora Maxwell Social Responsibility Community Service Award – Community Heroes Campaign
  • 2014 CUNA Diamond Award – HRCCU On-site Financial Literacy Program
  • 2013 CU Journal Best Practices Award – “You never forget your first set of wheels” Auto Loan Campaign
  • Albany/Colonie Regional Chamber of Commerce 2012 Women of Excellence Award –Susan Commanda
  • Saratoga Today Newspaper, 2012 Women of Influence AwardSusan Commanda
  • CUNA Diamond Award –  2005
  • Pinnacle Marketing Award –2006
  • Run for the Rock – Highest percentage of Participation, 2014


  • 5th largest Credit Union in the Capital Region: 2015 Business Review Book of Lists,
    (Published June, 2015.)