Category: News

pink piggy bank wearing black plastic glasses on a wood table next to a calculator

4 Ways to Get Free Financial Advice

When it comes to advice, many of us have grown accustomed to asking friends and family members for their thoughts. In some scenarios, this might be the right course of action. But, when it comes to finances, it’s best to seek the advice of a professional. And who doesn’t want expert guidance when it comes… Read more »

adult woman with dark brown hair wearing a black and white striped blouse shopping for fresh produce at a grocery store

11 Ways to Save at The Grocery Store

Are we paying attention? As always, food prices increase with steady regularity, but in small increments that might go unnoticed. Even the smallest changes can add up over time and have a big impact on your wallet (and bank account credit card debt, etc.). There is no way to avoid it: groceries cost money. But… Read more »

smartphone with the calculator app opened held in an adult’s hand above a manilla folder with tax paperwork

8 Tax Deductible Options You Don’t Know About Yet

Tax season can be an exciting, yet stressful time of year. Fewer realizations are more painful than discovering a missed deduction that could have increased your tax refund or decreased the state or federal taxes you owe. Unless this is the first year you’ve filed taxes on your own, you are probably familiar with the… Read more »

How has COVID-19 Influenced Mortgage Rates?

As winter gives way to a spring thaw that will soon turn to summer, the housing market typically (during an average year) sees an uptick in activity from home buyers and sellers.

Beware of Scams and Phishing Attempts During COVID-19.

At HRCCU, security and education is one of our top priorities for our members. In uncertain times, scammers and fraudsters will capitalize on the vulnerability of organizations and individuals. We have already begun to see an increase of scammers calling members and suspicious emails flooding inboxes. Below are a few steps to help you avoid… Read more »

Why Interest Rates Fluctuate

If you’ve taken out a mortgage, auto loan, or even just own a credit card then there’s a good chance that you intimately understand the fundamentals of interest rates. This is how it works, you borrow x amount of money that you pay back over an agreed upon period of time. Now because the creditor… Read more »

Four Tips for Managing your Finances during a Pandemic.

With the spread of the coronavirus (COVID-19) pandemic across New York State, the country and the world, now more than ever we have been challenged to find new ways to mitigate the spread of the virus. This includes the way we do everyday activities including banking. To help you navigate the coronavirus pandemic, here are… Read more »

5 Tips for Safe Online Shopping

5 Online Shopping Safety Tips to Use Every Day As technology advances, online shopping continues to grow in popularity for people across the globe.

Cryptocurrency Explained: What It Is & Why It Matters

Cryptocurrency had a groundswell of popularity as a part of the cultural conversation about our rapidly shifting digital era a few years ago, and continues to be a topic of conversation today. Perceptions of cryptocurrency vary: the rise of the so-called “self-made billionaires” who were early investors in cryptocurrency like Bitcoin had some proclaiming that… Read more »