Category: Member Resources

HRCCU wants to help you reach your financial goals with resources for our members.

Read our blog posts and find out how you can make the best of your membership and what makes our credit union different than traditional banks.

Get tips for making the most out of your credit union, managing your money, and exclusive resources available to our members.

person in front of computer with financial charts using a calculator

Mastering Cash Flow Management and Controlling Business Expenses

Cash flow management is a critical aspect of running a successful business. At Hudson River Community Credit Union (HRCCU), we often serve as financial advisors to our business members, offering guidance on effective cash flow management and expense control. Understanding Cash Flow A business’ cash flow refers to the movement of cash into and out… 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 »

Are Your Car Insurance Rates Skyrocketing? Avoid Overpaying on Insurance with HRCCU Insurance Agency

Car insurance rates increased 11% in June 2023, the highest in over a decade! Over the past few years, car insurance rates have been steadily increasing, causing frustration and financial strain for many drivers. However, the situation reached a new peak in June 2023 when car insurance rates saw a staggering 11% increase*. This surge… Read more »

ice and snow melting on the beams of a wooden deck next to a house

Avoid Damage to Your Home from Melting Snow

Springtime is finally here, and after a brutal winter, it’s a major relief and cause for celebration. However, as a homeowner, considering snowmelt protection is a critical step in preparing for the spring season. In real terms, this means making sure that you are prepared for the transition from the cold and snow-packed winter months… Read more »

closeup of purple flowers growing in green grass in front of a home with the lights turned on

How to Protect Your Home While Away

One of the true joys of summertime is taking a trip with family or friends to enjoy the longer days and warm weather. However, before getting caught up in the excitement over leaving, it’s important to remember that preparing a house for vacation is a necessary precaution before jumping in the car or boarding the… Read more »

System Upgrade Information for HRCCU Members

Last month, HRCCU CEO Sue Commanda announced an exciting new upgrade to our members’ banking experience. The new system upgrade will officially roll out on Monday, July 18, 2022, and offers users a new level of convenient, personalized service. Here’s a breakdown of what you need to know about the HRCCU system upgrade. HRCCU System… Read more »

cracked, red brick wall with the radon symbol next to the image of a white house under a magnifying glass

Reducing Your Home’s Risk of Radon

Radon is a colorless and odorless gas that is released from the natural breakdown of uranium in rocks, soil, and water. It’s also one of the leading causes of lung cancer in nonsmokers. Although many people may not think much about the risks associated with radon, the gas can build up to dangerous levels inside… Read more »

Guide for Financial Success in Your 30s & Beyond

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 »

man and woman sitting at tan desk calculating their DTI ratio using white notepad, silver laptop, a black iPhone, and calculator

A Complete Guide to Debt-to-Income Ratio

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 »