adult man wearing a black sweater tying a gold bow on a holiday gift wrapped in gold and white wrapping paper

Get a Holiday Loan in Time for the Gift-Giving Season

The holiday season feels like it comes quicker and quicker every year. And it’s easy to become overwhelmed as expenses add up over time. We all want to give the perfect gifts to those we love and create a memory that will be cherished for a lifetime. Many of us try to save money throughout… Read more »

loose change in a glass jar with a white label that says house fund in green letters

5 Tips to Hit Your Money Saving Goals

Saving money is easier said than done for many people. Setting goals, focusing on what’s important to you, and creating a plan are essential components that will lead to you achieving your saving goals. Whether it’s saving for a new car, a vacation, new home, or retirement, these money management tips can help you reach… Read more »

woman with pink and purple painted fingernails holding a white iPhone looking at the stock market rates

Quick Guide to Financial Investments for Beginners

One of the biggest misconceptions surrounding investing is that it’s only for the wealthy or the well-to-do. To some extent, this may have been true in the past, but now there are investment opportunities for everyone — whether you already know what to do or need some assistance. There are resources available, especially for beginners,… Read more »

adult man and woman giving each other a high-five while holding moving boxes standing inside their new home

8 Tips for Buying a House for the First Time

There are fewer things in your adult life that can be more stressful — and exciting — than buying a first home. Like other big projects, a successful homebuying experience relies on ensuring you have the right details and information from start to finish. These first-time homebuyer tips will help you navigate the homebuying process,… Read more »

poor credit report resting on a wood table beneath a pair of black, plastic glasses and a pink pencil with graphite tip

How to Increase Your Credit Score

Your credit score is more than just a meaningless three-digit number. Lenders use your credit score to help them decide whether you are an ideal candidate for a loan or credit card. These three-digit numbers turn out to be quite significant. The higher your credit score is, the more likely you are to qualify for… Read more »

woman wearing black wide-brimmed hat sitting at a white table looking at a map of the United States planning a trip with a silver laptop near her

How to Travel on a Budget

For most of us, we spend our days scrolling through social media, daydreaming of warm, sandy beaches and a relaxing vacation. And even though the coronavirus pandemic has put quite a few plans on hold, we can use this time to learn ways to better budget our travel for the future. Planning a vacation on… Read more »

banner showing Hudson River Credit Union was named Healthiest Employer in the Small Business category

Hudson River Community Credit Union Named 2020 Healthiest Employer

With employee health being one of the most important topics in the workplace — especially with the recent emergence of COVID-19 — we are proud to announce that HRCCU has been named a 2020 Healthiest Employer by the Albany Business Review for the second straight year. The awards program honors 30 companies in the Capital… Read more »

gold lock laying on top of three dark gray-colored chip credit cards

6 Tips to Protect Yourself from Credit Card Fraud

In the digital Information Age we currently live in, credit cards are thought of as a convenience — something many of us rely on. With a debit card or bank card in hand, consumers don’t have to worry about their bank lobby being open to access their money. As easy as it is to make… Read more »

adult male wearing round black glasses holding a credit card in one hand and his cellphone in the other making an online purchase

Pros & Cons of Credit Cards

For many of us, credit cards feel like an important step in becoming a financially independent adult — especially for young adults coming of age. And there’s no shortage of options for those who want or need to borrow funds, whether it’s for a specific purpose, vacation, or to help supplement income. “Credit cards have… Read more »