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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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Home Loans

Home Loans

We offer great low rates on Home Loans and offer first and second Mortgages, too!

  • Fixed and Adjustable Rate Loans!
  • Up to 30 year terms are available.
  • .25% rate discount for HRCCU Auto Pay.
  • Variable Rate HELOCs.
Vehicle Loans

Vehicle Loans

Our low rates new and used vehicle loans can help you afford the vehicle you want.

  • We can finance up to 100%* of vehicle value.
  • Terms up to 84 months available!
  • .25% rate discount for HRCCU Auto Pay.
  • .25% rate discount for FAVOR Program participants.
  • Apply for financing at over twenty local auto dealers.
Personal Loans

Personal Loans

We offer a variety of low rate Personal Loans for just about any need!

  • For vacations, gift buying and other major purchases.
  • .25% rate discount with HRCCU Auto Pay.
  • .25% rate discount for FAVOR Program participants.
Home Equity Fixed Adjustable Rate Line of Credit
Term 5-30 years Up to 30 years Up to 20 years
Rates as low as 2.50% APR* as low as 2.75% APR* as low as 3.5% APR*
Minimum Loan Amt $10,000 $10,000 $10,000
Maximum Loan Amt $300,000 $417,000 $300,000
Interest is calculated Daily Daily Daily
Direct Deposit or Payroll Deduction Check Check Check
Automatic Transfer (weekly, bi-weekly or monthly) Check Check Check
Fees $5 credit report fee (1st time borrower) $175 Appraisal fee (Will be refunded when loan =>20K closes). $5 credit report fee (1st time borrower) $175 Appraisal fee (Will be refunded when loan =>20K closes). $5 credit report fee (1st time borrower) $175 Appraisal fee (Will be refunded when loan =>20K closes).
Closing Costs If loan is less than $20,000 member pays all, if loan is $20,000 or greater HRCCU will pay a portion. If loan is less than $20,000 member pays all, if loan is $20,000 or greater HRCCU will pay a portion. If loan is less than $20,000 member pays all, if loan is $20,000 or greater HRCCU will pay a portion.

* APR=Annual Percentage Rate.

 

Fixed Rate Home Loans

 

Loan Amount: $10,000 to $49,999 Loan Amount: $50,000 or more
Loan to Value Loan to Value
TERMS Up to 50% 50.01% to 80% 80.01% to 90% 90.01% to 95% Up to 50% 50.01% to 80% 80.01% to 90% 90.01% to 95%
5 Years Special* 3.50% APR 4.25% APR 4.75% APR 5.25% APR 2.50% APR 3.25% APR 3.75% APR 4.25% APR
10 Years Special* 3.49% APR 3.49% APR 4.00% APR 5.00% APR 3.75% APR 4.50% APR 5.00% APR 5.50% APR
15 Years
Special*
4.15% APR 4.90% APR 5.40% APR 5.90% APR 3.15% APR 3.90% APR 4.40% APR 4.90% APR
20 or 25 Years 5.75% APR 6.50% APR 7.00% APR 7.50% APR 4.75% APR 5.50% APR 6.00% APR 6.50% APR
30 Years 6.00% APR 6.75% APR 7.25% APR 7.75% APR 5.00% APR 5.75% APR 6.25% APR 6.75% APR

APR= Annual Percentage Rate.

The Annual Percentage Rates (A.P.R.s) listed above represent the rates for members who have: a Platinum Credit Rating (credit score of 730+); an active HRCCU checking account and a mortgage loan directly debited from their HRCCU checking account. Rates, terms and conditions are subject to change and my vary based on creditworthiness and collateral conditions. Although no fees are associated with this loan, member will be responsible for NYS Mortgage tax. Consult your tax advisor for more information.

* 5, 10 and 15-year Special Loan Rates available until 6/30/2014.

Dates effective as of 3/28/2014.

Payment example: $50,000 @ 2.50% for 5 years: $887.37 per month.

No Active Checking Account Add…….0.25%
2nd Position (>50.01% LTV) Add…….2.00%
2nd Position (<50% LTV) Add…….1.00%

Special 10 Year Fixed Rate Loan
Payment example: $50,000 @ 3.49% for 10 years: $494.20 per month
1st or 2nd position

 

 

Adjustable Rate Home Loans

 

Loan Amount: $10,000 to $50,000 Loan Amount: Over $50,000
Loan to Value Loan to Value
Terms Up to 50% 50.01% to 80% 80.01% to 90%* 90.01% to 95%** Up to 50% 50.01% to 80% 80.01% to 90%* 90% to 95%**
5/5 and 5/1 3.75% APR 4.50% APR 5.00% APR 5.50% APR 2.75%APR 3.50% APR 4.00% APR 4.50% APR
7/1 4.50% APR 5.25% APR 5.75% APR 6.25% APR 3.50% APR 4.25% APR 4.75% APR 5.25% APR

4/6/2012

The Annual Percentage Rates (A.P.R.s) listed above represent the rates for members who have: a Platinum Credit Rating (credit score of 730+); an active HRCCU checking account and a mortgage loan directly debited from their HRCCU checking account. Other rates and terms available.

Payment example: $50,000 @ 3.75% for 5 years: $915.20 per month

No Active Checking Account Add…….0.25%
2nd Position (>50.01% LTV) Add…….2.00%
2nd Position (<50% LTV) Add…….1.00%

*A.P.R. listed herein is applicable to eligible members with credit scores of 600+. Other rates and credit scores available. Call for details.
**A.P.R. listed herein is applicable to eligible members with credit scores of 680+. Other rates and credit scores available. Call for details.

New Vehicle Used Vehicle
Term Up to 84 Months Up to 72 Months
Rates as low as 1.99% APR as low as 1.99% APR
Minimum Loan Amt $3,001 $3,001
Interest is calculated Daily Daily
.25% Auto Pay Rate Discount Check Check
.25% FAVOR Program Discount Check Check
Direct Deposit or Payroll Deduction Check Check
Automatic Transfer
(weekly, bi-weekly or monthly)
Check Check
Pre-approval available Check Check
Fees $5 credit report fee (1st time borrower). Vendor Single Interest (VSI) insurance payment of $95. $5 credit report fee (1st time borrower).Vendor Single Interest (VSI) insurance payment of $95.

APR= Annual Percentage Rate.

Vehicle Model Years 2014 – 2011

Rates starting as low as:

 Credit Up to: 36 Months 48 Month 60 Month 72 Months 84 Months
Excellent 1.99% APR 1.99% APR 1.99% APR 2.49% APR 2.74% APR
Good 2.49% APR 2.74% APR 2.74% APR 2.99% APR 3.24% APR
Fair 4.74% APR 4.99% APR 5.24% APR 5.49% APR 5.74% APR

A. P. R. = Annual Percentage Rate

Vehicle Model Years 2010 – 2008

Rates starting as low as:

 Credit Up to: 24 Months 36 Month 48 Month 60 Month 72 Months
Excellent 1.99%  APR 2.24%  APR 2.49%  APR 2.74%  APR 2.99% APR
Good  3.24%  APR 3.49%  APR 3.49%  APR 3.74%  APR 3.99% APR
Fair  5.49% APR 5.74%  APR 5.99%  APR 6.24%  APR 6.49% APR

A. P. R. = Annual Percentage Rate

 

Vehicle Model Years 2007 and older

Rates starting as low as:

Credit Up to 24 Months 36 Month 48 Month 60 Month
Excellent 4.99%  APR 5.24%  APR 5.49%  APR 8.74%  APR
Good 6.24%  APR 6.49%  APR 6.49%  APR 9.74%  APR
Fair 8.49% APR 8.74%  APR 8.99%  APR 12.24%  APR

A. P. R. = Annual Percentage Rate

A. P. R. = Annual Percentage Rate Payment example: $15,000 @ 1.99% for 3 years: $429.57 per month. Offers listed herein are for eligible HRCCU members for new/used vehicle and motorcycle loans effective 2/24/14. Rates listed are for $3,001 minimum amount financed and include a 0.25% APR discount for having automatic payments. Deduct 0.25% for Warren, Washington, Rensselaer, Saratoga and Albany County FAVOR Program participants who show proper documentation. Member must credit qualify. Rates listed are for credit scores of 730+ (Excellent), 680 – 729 (Good) and 600-639 (Fair). A credit report fee of $5.00 may be charged. Other terms and conditions may apply. Offers/terms listed above are subject to change without notice. HRCCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification. All secured loans with the exception of a share secured loan must pay the Vendor Single Interest (VSI) insurance payment of $95 per loan.

Unsecured/Share Secured Loan

Unsecured Loan Share Secured Loan Share Secured Credit Card
Term Up to 60 Months Up to 144 Months Revolving
Rates As low as 8.00% APR* As low as 2.75% APR* As low as 4.00% APR*
Minimum Loan Amount $300 $300 $300
Interest is calculated Daily Daily Daily
.25% Auto Pay Rate Discount Check No No
.25% FAVOR Program Discount Check No No
Automatic Transfer (weekly, bi-weekly or monthly) Check Check Check
Fees $5.00 credit report fee (1st time borrower) No No

Unsecured Loan payment example: $5,000 @ 8.25% for 2 years: $226.71 per month. Share Secured Loan payment example: $5,000 @ 3.25% for 60 months: $90.40 per month. A. P. R. = Annual Percentage Rate. Rates include discount of .25% for Auto Pay from an HRCCU Account. Deduct 0.25% for Warren, Rensselaer, Saratoga and Albany County FAVOR Program participants who show proper documentation. Rates listed are for members with a credit score of 730+. Other rates and terms available and are subject to change without notice. Rates are for loan approved on or after 9/19/11. Contact HRCCU at 518-654-9028 or 1-800-824-0700 for verification of loan rates, terms/conditions and loan specials.

Rates starting as low as:

Credit     Under  $3,000.00
(24 month)
$3,001.00-$5,000.00
(24 month)
over $5,000.00
(24 month)
Excellent 17.75% APR 9.25% APR 8.00% APR
Good 17.75% APR 10.00% APR 8.75% APR
Fair 17.75% APR 13.00% APR 11.75% APR

 

A. P. R. = Annual Percentage Rate

Payment example:  $5,000.00 @ 8.00% for 24 months= $226.14 per month

Rates include discount of .25% for Auto Pay from an HRCCU Account. Deduct 0.25% for credit qualified Warren, Washington, Rensselaer, Saratoga, and Albany County FAVOR Program participants who show proper documentation. Rates listed are for credit scores of 730+ (Excellent), 680 – 729 (Good) and 600-639 (Fair).Other rates and terms available. Rates are for loan approved after 2/24/14.