All HRCCU Branch Lobbies are Now Open! We encourage you to continue to use the drive-thru and online banking to reduce the spread of COVID-19. Learn More
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Corinth
312 Palmer Avenue
518-886-3400
Corinth, NY 12822 -
Cohoes
35 Niver Street
518-886-3400
Cohoes, NY 12047 -
Hudson Falls
3762 Burgoyne Ave
518-886-3400
Hudson Falls, NY 12839 -
Glens Falls
160 Broad St
518-886-3400
Glens Falls, NY 12801 -
Troy
40 Leversee Road
518-886-3400
Troy, NY 12182 -
Shared Branching
HRCCU is part of the UsNet Shared Branch Network This provides you, our member, greater convenience and real-time access to your accounts when traveling around the corner or across the country.
Our Savings Rates
Savings Accounts to fit all of your needs
Use this chart to compare information for our six savings accounts.
| Prime & Universal Savings | Youth Savings | Holiday Club | UTMA Savings | IRA Savings | |
|---|---|---|---|---|---|
| Best For | Everyone 15 and older | 15 and Younger | Savings for Holiday Gifts | Gifting Money to Minors Under the age of 18 | Traditional IRA and Roth IRA |
| Minimum Balance to Earn Interest | $500 | $5 | $5 | $5 to age 18, $500 for 18+ | $250 |
| Visa Debit Card Access | – | – | – | ||
| FREE ATM Transactions* *Foreign ATM fees apply. |
– | – | – | ||
| FREE access to Online & Mobile Banking | |||||
| FREE Audio Response | |||||
| FREE eStatements |
Prime Savings
Open a Prime Savings Account Today!
Free savings account that requires just $5 minimum balance to open.
Apply TodayPrime Savings Rates
| Average Monthly Balance | Interest Rate | APY |
|---|---|---|
| $0.01 - $499.99 | 0.00% | 0.00% |
| $500.00 - $4,999.99 | 0.05% | 0.05% |
| $5,000 and up | 0.05% | 0.05% |
Universal Savings
Open a Universal Savings Account Today!
Save for any purpose with the Universal Savings account.
Apply TodayUniversal Savings Rates
| Average Monthly Balance | Interest Rate | APY |
|---|---|---|
| $0.01 - $499.99 | 0.00% | 0.00% |
| $500.00 - $4,999.99 | 0.05% | 0.05% |
| $5,000 and up | 0.05% | 0.05% |
Youth Savings
Open a Youth Savings Account Today!
Start saving with a free youth savings account. Earn quarterly dividends with just a $5 minimum deposit for kids ages 15 and under.
Apply TodayYouth Savings Rates
| Average Monthly Balance | Interest Rate | APY |
|---|---|---|
| $5.00 and up | 0.05% | 0.05% |
Holiday Club
Open a Holiday Club Account Today!
Join our holiday club to save for next year's holiday gifts. Our holiday club runs from October 1st to December 30th with no minimum deposit requirement to open an account.
Apply TodayHoliday Club Rates
| Average Monthly Balance | Interest Rate | APY |
|---|---|---|
| $1.00 or more | 0.05% | 0.05% |
UTMA Savings
Open a UTMA Savings Account Today!
A custodial account established under the Uniform Transfers to Minors or Gifts to Minors Act (UTMA). Earn compounded quarterly dividends on an average daily balance of $5.00 or more.
Apply TodayUTMA Savings Rates
| Average Monthly Balance | Interest Rate | APY |
|---|---|---|
| $5.00 and up | 0.05% | 0.05% |
IRA Savings
Open a IRA Savings Account Today!
Save for your future with an IRA Savings Account. Open an account with $250 minimum balance.
Call or Visit TodayIRA Savings Rates
| Average Monthly Balance | Interest Rate | APY |
|---|---|---|
| $250 - $999.99 | 0.00% | 0.00% |
| $1000.00 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $24,999.99 | 0.05% | 0.05% |
| $25,000 and up | 0.05% | 0.05% |
