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.

Account Disclosure

View and Download our Membership Account Agreement

View and Download our HRCCU Privacy Policy

View and Download our Account Fee Schedule

View and Download our Rate Addendum & Schedule of Fees and Charges

View and Download our eSign Disclosure and Consent

View and Download our Wire Transfer Agreement

View and Download our 2026 NMLS Originator List

View and Download our Online Banking Disclosure & Agreement

View and Download our Member Overdraft Program Review and Courtesy Pay Agreement

View and Download our Bylaws

Current Rates

Auto Loans
APR as low as
3.99%
Fixed Rate 36 Month
View
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
View
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
View
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
View
View All Rates
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
Federally Insured by NCUA. Equal Housing Lender © 2026 HRCCU