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Special Home Loan Rates!

Our special rates on 5 and 15-year term, no-fee, no PMI Home Loans have been extended until October 31!

Don’t let this opportunity pass you by.
Check our Home Loan Rates          Contact Us

Upside down on your mortgage?

Our all-new Equity Builder Home Loan may be able to help get you out from under your current mortgage!

Click here for rates and information!

Certificate Savings Specials

Maximize your savings with a high-yield HRCCU Certificate. We offer Annual Percentage Yields of up to 1.50%.
View our current Certificate Specials.

HRCCU Volunteers Wanted!

We are looking for HRCCU members to serve on our Credit Union Supervisory Committee.

Sound interesting? Click here for info.

On-The-Go access to your accounts !

View account balances, transactions, transfer funds, pay bills and more with Mobiliti!

Enroll today! Message and Data rates may apply.
Click to view a demo and enrollment instructions

Mortgage Loans

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

Find out more!    

Virtual Branch Home Banking

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

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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 30 years
Rates as low as 2.50% APR* as low as 2.75% APR* as low as 2.75% APR*
Minimum Loan Amt $10,000 $10,000 $10,000
Maximum Loan Amt $300,000 $417,000 $417,000
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. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans subject to approval. 2.50% fixed APR for 10 years for credit qualified loans closing in first lien position.  2.75% adjustable and line of credit APR for 5 years for credit qualified loans. These rates apply to loans 50% Loan to Value (LTV), $50,000 borrowed with credit score of 730+.. Rates also available for higher LTVs and terms. New York State Mortgage Tax is paid by the borrower from the loan proceeds. Title insurance may be required. The remaining closing costs paid by HRCCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity loan is paid and closed within three years of loan closing. Closing costs are estimated at $200 – $900. Rate as of today and subject to change at any time. For members whose owner occupied residence is located in New York State.

Payment examples:

Fixed     $100,000 @ 2.50% APR for 10 years = 120 payments of $942.70/month

Adjustable $100,000 @ 2.75% APR for 5 years = $954.11/ month

Line of Credit  $100,000 @ 2.75% APR for 5 years = $954.11/ month

 

Fixed Rate Home Loans

 

Loan Amount: $10,000 to $49,999 Loan Amount: $50,000 or more
Loan to Value (LTV) Loan to Value (LTV)
TERMS Up to 50%LTV 50.01% to 80%LTV 80.01% to 90%LTV 90.01% to 95%LTV Up to 50%LTV 50.01% to 80%LTV 80.01% to 90%LTV 90.01% to 95%LTV
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. Title insurance may be required. Consult your tax advisor for more information. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans subject to approval. 2.50% fixed APR for 10 years for credit qualified loans closing in first lien position. These rates apply to loans 50% Loan to Value (LTV), $50,000 borrowed with credit score of 730+.. Rates also available for higher LTVs and terms. New York State Mortgage Tax is paid by the borrower from the loan proceeds. Title insurance may be required. The remaining closing costs paid by HRCCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity loan is paid and closed within three years of loan closing. Closing costs are estimated at $200 – $900. Rate as of today and subject to change at any time. For members whose owner occupied residence is located in New York State.

* 5, 10 and 15-year Special Loan Rates available until 9/30/2014.

Dates effective as of 3/28/2014.

Loan payment example: $50,000 @ 2.50% for 5 years: 60 monthly payments of $887.37 per month. Monthly payments do not include taxes and insurance premiums. Please consult a tax professional for additional costs.

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

**Special 10 Year Fixed Rate Loan
Payment example: $50,000 @ 3.49% for 10 years: 120 payments of $494.20 per month.
1st or 2nd position lien

 

 

Adjustable Rate Home Loans

 

Loan Amount: $10,000 to $50,000 Loan Amount: Over $50,000
Loan to Value (LTV) Loan to Value (LTV)
Terms Up to 50%LTV 50.01% to 80%LTV 80.01% to 90%*LTV 90.01% to 95%**LTV Up to 50%LTV 50.01% to 80%LTV 80.01% to 90%*LTV 90% to 95%**LTV
5/5 ARM** 3.75% APR 4.50% APR 5.00% APR 5.50% APR 2.75%APR 3.50% APR 4.00% APR 4.50% APR

4/6/2012

APR= Annual Percentage Rate.

** ARM = Adjustable Rate Mortgage. 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. Title insurance may be required. Consult your tax advisor for more information.

Loan payment example: $50,000 @ 3.75% for 5 years: 60 monthly payments of $915.20 per month. Monthly payments do not include taxes and insurance premiums. Please consult a tax professional for additional costs.

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

*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. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans subject to approval. Rates listed are for vehicles 2014 – 2011, 36 month term and vehicles 2008 – 2011, 36 month term respectively. Other rates and terms available. Payment example: $15,000 @ 1.99% for 3 years = 36 payments of $429.57/month.

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. Payment example: $15,000 for 36 months @ 1.99% = 36 payments of $429.57 monthly. Rates, terms and conditions are subject to change and may vary based on creditworthiness and collateral conditions. All loans are subject to approval.
 

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. Payment example: $15,000 for 36 months @ 2.24% = 36 payments of $431.21 monthly. Rates, terms and conditions are subject to change and may vary based on creditworthiness and collateral conditions. All loans are subject to approval. 

 

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. Payment example: $15,000 for 36 months @ 5.24% = 36 payments of $451.18 monthly. Rates, terms and conditions are subject to change and may vary based on creditworthiness and collateral conditions. All loans are subject to approval.  

 

 

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

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. Late payment/returned payment fee for share secured card is $25. Penalty APR is 18.00%. This penalty APR will be applied to your account if you are 60 days late in making a payment. A $5.00 creidt report fee may also be charged.  A 1% international transaction fee for purchases may be imposed on VISA® card holders. Contact HRCCU at 518-654-9028 or 1-800-824-0700 for verification of loan rates, terms/conditions and loan specials. All loans requests require a $5.00 membership fee.

Unsecured Loan payment example: $5,000 @ 8.25% for 2 years: 24 monthly payments of $226.71

Share Secured Loan payment example: $5,000 @ 3.25% for 60 months: 60 monthly payments of $90.40

 

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.