Who We Are

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, utilizing the latest technology with the best overall value.

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.

Current Rates

Auto Loans
APR as low as
Fixed Rate 36 Month
APR as low as
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration