Hudson River Community Credit Union (HRCCU) was founded in 1954 by the employees of International Paper Company in Corinth, New York as IPCO Federal Credit Union.
Today, HRCCU is a state-chartered community credit union. Anyone who lives, works, worships, or attends school located within Saratoga, Warren, Washington, Rensselaer counties or the Towns of Cohoes, Watervliet or Green Island and their immediate families are eligible to join.
Hudson River Community Credit Union is a not-for-profit financial cooperative whose mission is to improve the well-being of members and their families by providing quality financial services with the best overall value.
How We Return Excess Earnings to Our Members
As a member of HRCCU, you are more than a number. You’re an owner of a not-for-profit financial cooperative — an association with a strong, shared commitment to the financial well being of its members. While other financial institutions need to generate profits to satisfy stockholders, credit unions are different. Our Credit Union returns excess earnings to its members in the form of:
- Competitive dividend rates paid on savings and investment accounts.
- Low interest rates on loans and credit cards.
- Exceptional low-cost financial products and services.
- Low or no service charges