Help make HRCCU Number #1 again by voting us Best Credit Union in the Post Star's Best of the Region contest! Voting is easy: simply text 130 to (518) 735-0282 to vote for HRCCU. You can vote once per day from now until April 22.

What do I need to open an account at HRCCU?

Here is what you need to bring to a branch (or have handy if online) to open an account of each type:

Regular 

  • A valid government issued photo ID with current address.
  • If the address on your ID is different from your current address, then you will need to provide a recent bill matching your current address.

Youth

  • A valid Student/Government issued ID, if unavailable parent/grandparent or legal guardian’s government issued photo ID.

UTMA

  • A valid government issued photo ID from the custodian only.

Rep Payee

  • Official letter for the Social Security Administration and a valid government issued ID from the Rep Payee.

DBA

  • DBA paperwork and a valid government issued photo ID.

Need further assistance? You can also call us at 518-886-3400 for support during normal business hours.

Current Rates

Auto Loans
APR as low as
3.99%
Fixed Rate 36 Month
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Community Development Financial Institution, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration

You are now leaving this site:

By accessing this link, you will be leaving HRCCU’s website and entering a website hosted by another party. HRCCU has approved this website as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of HRCCU’s website. We encourage you to read the privacy and security policies of the site you are entering, which may differ from those practiced by the credit union.

Do you wish to continue?

Yes