Author: HRCCU

About The Author

Hudson River Community Credit Union (HRCCU) was founded in 1954 and has been dedicated to the financial wellbeing of its members throughout the counties of Saratoga, Warren, Washington, and Rensselaer, as well as the towns of Cohoes, Watervliet, and Green Island in Upstate New York.

By offering low interest rates, low to no service charges, and competitive financial products, our not-for-profit financial cooperative is one of the top credit unions in the region. Our experienced team of lenders and financial advisors can provide the tools and resources needed to help navigate important financial decisions.

What to Use a Personal Loan for: 5 Reasons People Borrow

The truth is, having access to a significant amount of money can sometimes make a huge impact on the lives of many individuals. For example, access to large amounts of cash can help you pay for major life expenses, pay off high-interest debt, and provide peace of mind when handling unexpected emergencies. Personal loans provide… Read more »

Two men sit at a table with banking sheets planning financial wellness

How Credit Unions Help Members Build Financial Wellness

In a world where the financial landscape seems to constantly change, from rising grocery prices to a fluctuating housing market, responsibly managing your money is increasingly important. Statistics show that Americans are struggling with money. In fact, a recent CNBC poll revealed that more than 65% of people reported that they live paycheck to paycheck. It’s… Read more »

glasses, tax papers, and a calculator sit upon a desk as the tax season begins to roll around

Maximizing Your Tax Return: Smart Ways to Use Your Refund

It’s that time of year once again — tax season. For many taxpayers, the anticipation of a substantial refund check has them dreaming of big purchases. However, smart financial management is about more than paying for large purchases at one time. This tax season, consider some thoughtful and impactful ways to maximize the financial benefits… Read more »

A couple sitting down at a lap top with files and paperwork for their home insurances on the table

Essential Home Insurance Tips to Protect Your Property

Your home is one of your most valuable assets, which is why having the right insurance can mean the difference between financial security and unexpected financial loss. The key to maximizing your home insurance benefits is knowing what options are out there and how to find the right coverage that will both safeguard your property… Read more »

When (and How) to Refinance Your Auto Loan

Refinancing your auto loan can save you money and lower your monthly payments, but knowing the right time to refinance — and the right way to do it — is key to the process. For many vehicle owners, the question isn’t whether you can refinance an auto loan, it’s whether you should. What Does It… Read more »

How Savings Accounts Grow Your Money

For many people, savings accounts are the first financial products they ever use. Beyond the simple convenience they offer as a place to safely store your money, savings accounts are powerful tools for growing your money in a safe and reliable way. Introduction to Savings Accounts Whether you are new to having a savings account or never… Read more »

mother and daughter sitting on a white couch while the daughter is putting money into a piggy bank

What Is a Youth Savings Account, and What Are Its Benefits? 

Opening a youth savings account is one of the most important financial literacy decisions you can make to support the children in your life. Youth savings accounts carry many benefits for kids that go beyond saving money, making them a wise investment for many reasons. Introduction to Youth Savings Accounts Before you can take advantage… Read more »