312 Palmer Avenue
Corinth, NY 12822
35 Niver Street
Cohoes, NY 12047
160 Broad St
Glens Falls, NY 12801
1167 State Route 29
Greenwich, NY 12834
3762 Burgoyne Ave
Hudson Falls, NY 12839
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.
Choosing the right vehicle finance method — or deciding whether to finance at all — can be just as complex as choosing the vehicle you want to buy. Today, drivers have a variety of payment options, including leasing, traditional auto loans, and GREENLight auto loans, a less-known but potentially practical option. GREENLight auto loans are… Read more »
When you’re in the market to buy a home, a lot of factors must be taken into consideration. Among them, financing may be the most important. How a new home is paid for matters for buyers and sellers. It’s important to know the difference between the pre-qualification and pre-approval steps for home mortgages. The Main… Read more »
If there’s one way to sum up the housing market over the past few years, the word is unpredictable. From the fierce bidding wars of the pandemic to the subsequent — and unprecedented — rise of interest rates, homebuyers have experienced a multitude of struggles when trying to find, bid on, and purchase homes. In… Read more »
Buying a car is a big decision. From saving for a down payment to calculating the real cost of an auto loan, smart buyers know that it is important to consider every financial aspect of such a major purpose. For that reason, taking time to consider when the best time is to buy a car… Read more »
When you are trying to buy a home or get a home equity line of credit, a lot of paperwork is involved, from credit reports to legal contracts. In particular, mortgage lenders require a lot of documentation to put together a full financial picture of potential borrowers. This financial assessment involves reviewing bank statements from… Read more »
When consumers are in the market to buy a home, financial factors are often top-of-mind. This includes everything from monthly payments and interest rates to the difference between the appraisal and market value of homes they are considering buying. In a dynamic real estate market, understanding bank appraisal versus market value is critical when it… Read more »
Buying your first car, whether it’s brand new or previously owned, is a huge and exciting milestone in life. However, navigating the world of auto loans is also incredibly complex. For those who are unsure about how to get a car loan, it’s important to get educated — and pre-approved, before going to a dealership…. Read more »
Throughout much of 2021, buyers found the housing market challenging to navigate. All-time low mortgage interest rates combined with a finite number of listed properties led to bidding wars that drove asking prices upward by 18.5% according to the Federal Housing Finance Agency (FHFA) — leaving many prospective homebuyers with no choice but to rent…. Read more »
Currently, the average graduate in the United States accrues over $37,650 in student loan debt to pursue a bachelor’s degree. And it’s not uncommon for it to take 20 years to pay off that student debt. The numbers speak volumes. Of the 45 million student borrowers in the U.S., 95% are indebted up to $36,500… Read more »
Prospective borrowers who are looking into mortgages or other financing options have likely heard the phrase “debt-to-income (DTI) ratio” — which may cause them to ask, “what is DTI and why does it matter?” Despite the name, debt-to-income (DTI) ratio is often expressed as a percentage and is one of the multiple factors that can… Read more »
