Switch with a Click!

Open an account with HRCCU and switch your direct deposit and automatic payments in a few clicks using ClickSWITCH!

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New Member Benefit!

Pay $0 in Enrollment Fees at Gateway Sports Complex in Cohoes when opening a new account or for being a current member.

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Send Money with Zelle!

Zelle is a fast, safe and easy way to send money to friends and family from your HRCCU Online Banking or Mobile App.

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Holiday Skip-A-Pay is Here!

Give yourself a gift this holiday season by skipping your November, December or January loan or credit card payment.

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Holiday Loans Are Back!

Whether it's for gift giving or a holiday vacation, apply today for all your holiday needs.

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In observance of the Thanksgiving holiday, all HRCCU branches will be closed on Thursday, November 26 and Friday, November 27. All locations with the exception of the Troy branch will reopen for normal business hours on Saturday, November 28.

What Can We Do For You?

  • Mortgages

    Get prequalified today and speak to one of our mortgage specialists to find the right mortgage for you.

    Apply Today
  • Auto Loans

    Our low rate auto loans and flexible terms can put you behind the wheel of a new or used car today.

    Apply Today
  • Home Equity Loans

    Pay for large expenses with a Home Equity Loan of up to 95% of your home’s appraised value.

    Apply Today
  • Checking

    Get a free Kasasa checking account that rewards you in cash each month.

    Get Kasasa
  • Savings

    With six types of savings accounts that require just $5 minimum balance, find the one that fits your needs.

    Get Savings
  • Certificates

    Start saving today with certificates that yield higher dividends than traditional savings.

    Get Certificates
  • Personal Loans

    A secured or unsecured personal loan lets you borrow for vacations, large purchases or anything else you need.

    Apply Today
  • Visa Credit Card

    Earn cash back rewards with HRCCU’s low rate, no annual fee VISA Platinum Credit Card.

    Apply Today
  • Retirement Accounts

    Save for retirement with a Traditional, Roth or Coverdell IRA.

    Get IRA

Why Choose HRCCU

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Member Owned
As a member of HRCCU, you are more than a number, you’re an owner of a not-for-profit financial cooperative that returns excess earnings to its members.
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Simpler Banking
Manage your accounts, deposit checks remotely, make payments and easily transfer funds anytime, anywhere from your online devices.
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Great Rates
Earnings made by HRCCU are returned to our members in the form of reduced fees, higher savings rates and lower loan rates.
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Nationwide Access
HRCCU is part of a shared branch network that provides members access to their accounts at more than 30,000 branch and ATM locations.

Current Rates

Auto Loans
APR as low as
1.99%
Fixed Rate 36 Month
Mortgages
APR as low as
2.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.875%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
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