Your Certificate of Deposit has the Moves: Bump-Up to the Next Level!

At Hudson River Community Credit Union (HRCCU), your eligible certificate of deposit could be moving up because of our Bump-Up Certificate program.

Our certificate of deposit rates is already enticing, but our Bump-Up Certificate program, which launched on August 1, 2017, allows you to capture an even better rate during the certificate’s 48- or 60-month term.

This program doesn’t require you to re-buy, it just delivers a better rate than your original one.

Why lock in a traditional certificate of deposit where rising rates are just something you watch from afar, but you can’t enjoy?

Give up being a spectator and join our Bump-Up Certificate program. This program ensures that you are guaranteed a one-time opportunity to take advantage of a rate increase, should one occur during the term of your CD.

Bump-Up Certificates are available to new and existing credit union members.

How Do I Participate in the Bump-Up Certificate Program?

Participating in the Bump-Up Certificate program is easy. Just secure your new 48-month (4-year) or 60-month (5-year) certificate of deposit and take advantage of our great Bump-Up rates.

When your new certificate account is opened, it is eligible for the Bump-Up program.

Monitor your rates closely, and review the special rate offers we send out periodically.

Rates haven’t fluctuated significantly across the industry, but they could certainly rise again.

If you see a higher rate with HRCCU that you want to obtain, simply visit a branch or call member services during regular business hours at 518-654-9028.

We will take care of the rate adjustment, and all existing information is maintained.

Your certificate of deposit doesn’t restart, but rather continues with the higher rate in place until the term’s end. The Bump-Up Certificate offer works once during the term of your certificate of deposit.

Become a Member & Take Advantage of the New Rates

If you want to join HRCCU to open your new Bump-Up Certificate of Deposit, just a minimum $5 in a savings account gets you started.

Credit Union membership is open to people located within Saratoga, Warren, Washington and Rensselaer counties, or the towns of Cohoes, Watervliet and Green Island. This includes those who live, work, worship, attend school and operate a business or legal entity (such as churches, associations, etc.) in the listed areas. Immediate family members are also eligible to join.

Our friendly member services team is ready to help you with a Bump-Up Certificate of Deposit account or any of our other banking services.

Please come see us in person at one of our branches or enjoy a helpful chat by phone.