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
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Learn everything you need to know about financial planning in one place.
Whether you are buying your first home, planning retirement, or setting up a monthly budget, our financial guides and resources will help you understand the process and make the best decision for you and your family.
HRCCU is dedicated to the financial well-being of its members. Get tips for life’s most important decisions by reading our blog posts.
Financial literacy is a crucial life skill that every young adult must acquire, as it equips individuals with the knowledge and skills needed to make informed financial decisions, manage money wisely, and secure their financial futures. As a credit union committed to empowering its members, especially the younger generation, HRCCU believes that financial education is… Read more »
In an increasingly digital world, financial scams have become all too common. Fraudsters are constantly devising new ways to prey upon unsuspecting individuals to siphon their hard-earned money. In this guide, we will explore some of the most common financial scams that HRCCU encounters and provide tips on how to protect yourself and your loved… Read more »
Estate planning and will preparation are essential topics that often get overlooked in financial planning. Although they may not be the most cheerful subjects, both are crucial for ensuring your assets are distributed according to your wishes while minimizing stress on your loved ones. By following some simple tips and seeking professional guidance, you can… Read more »
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 »
Understanding Your Annual Percentage Rate (APR): A Comprehensive Guide If you’re wondering what APR stands for, you aren’t alone. The Annual Percentage Rate is a standardized way of expressing the cost of borrowing money, which is why understanding APR is a key component of shopping for loans and credit cards. Let’s take a look at… Read more »
Being able to manage finances properly can do more than improve the state of a bank account. Individuals in their 30s who are just starting to exercise their financial potential, however, may find money management overwhelming. But contrary to popular belief, the most essential financial planning tips for 30-year-olds aren’t about knowing how to invest… 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 »
Healthcare and medical expenses can add up rather quickly, which means it’s essential to be financially prepared — which can be done by opening a health savings account (HSA). An HSA is a type of savings account that holds pre-taxed money. The money saved in an HSA can be used to cover current or future… Read more »
Abiding by a monthly budget plan is often seen as restrictive when it can be financially liberating and make personal financial goals more achievable. Those with a well-planned budget can track where their money is going and eliminate unnecessary expenses at very little personal sacrifice — good budgets make room for both needs and wants…. Read more »
The process of buying a house can be overwhelming, especially for first-time homebuyers. To streamline the homebuying process, this guide compiles the tips first-time homebuyers need to know, from prequalification to closing and every step in between. Step 1. Analyze Finances to Set a Budget It is important for first-time homebuyers to assess their finances…. Read more »
