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.

As a business owner, making the choice between a small business loan and a line of credit depends on several factors related to the specific needs and financial situation of the business

Finance 101: Small Business Loans vs. Lines of Credit 

Securing the right financing is often the key to turning small business dreams into successful realities. For many small business owners, navigating the labyrinth of financial options can be daunting. One common dilemma they face is choosing between small business loans and lines of credit. Let’s look at the differences between these two financing options… Read more »

Loan Mortgage Payment Property Concept

Mastering Your Finances: The Power of HRCCU Free Mortgage Loan Calculator

Mortgage loan calculators, such as the one offered by Hudson River Community Credit Union (HRCCU), are powerful tools that can help future homeowners understand the impact of mortgage rates on their future payments. This allows them to better evaluate their ability to buy homes at various price points. Properly used, the HRCCU mortgage loan calculator… Read more »

Female hands hold mobile banking on smart phone on blurred urban city as background

Why Use Online and Mobile Banking Services 

Online and mobile banking have become increasingly popular due to the numerous advantages they offer both individuals and businesses. When you become a member at Hudson River Community Credit Union (HRCCU), it’s easy to take advantage of the benefits of online and mobile banking services by accessing our state-of-the-art website and app. What Is Online… Read more »

HRCCU’s 2023 Hudson River Mill Museum Matching Campaign

The donation is a result of a matching campaign held at the credit union’s Corinth Branch in September. HRCCU signed on to match up to $5,000 in individual donations in order to assist the Friends of the Hudson River Mill Museum in their effort to raise funds to repair and restore the historic site of… Read more »

Credit Union papers for loan on desk.

Benefits of Joining a Credit Union: Why HRCCU Is Right for You 

Joining a credit union offers several benefits that can make them an attractive alternative to traditional banks. For individuals and families looking for a more personalized and local banking experience, credit unions like Hudson River Community Credit Union (HRCCU) offer a compelling choice. Credit unions are the type of financial institution that aligns with people’s… Read more »

Smiling mature couple meeting with bank manager for investment. Mid adult woman with husband listening to businessman during meeting in conference room. Middle aged couple meeting loan advisor.

Achieve Your Financial Goals with HRCCU Personal Loan Options

A personal loan can be a valuable tool in various financial scenarios when you need to access additional funds for specific purposes. However, regardless of the scenario, it’s important for everyone to carefully assess their financial situation before applying for a loan. That means considering interest rates for a personal loan and your ability to… Read more »

snowmobile speeding on snow near tree lines

Navigating the Trails: A Guide to ATV and Snowmobile Loans

Navigating the Trails: A Guide to ATV and Snowmobile Loans As the temperatures start dropping, many people start thinking about buying a new or used all-terrain vehicle (ATV) or snowmobile to navigate the winter ahead. On average, more than 200,000 snowmobiles and ATVs are sold every year, both for business and pleasure use. If you’re… Read more »

Happy millennial couple talk with male real estate agent or broker in office buying first house together, smiling young husband and wife speak visit banker think of taking loan or mortgage from bank

Best Bank for First-Time Homebuyers: Find Your Financial Foundation

Key Factors for First-Time Homebuyers Finding the best bank as a first-time homebuyer depends on your specific financial situation, needs, and preferences. However, in the end, the best bank for a first-time homebuyer is one that offers competitive mortgage rates, excellent customer service, and a range of complementary services that align with your financial goals…. Read more »