HRCCU Blog on Finance, Banking, Saving & More – Page 3

woman wearing black wide-brimmed hat sitting at a white table looking at a map of the United States planning a trip with a silver laptop near her

How to Travel on a Budget

For most of us, we spend our days scrolling through social media, daydreaming of warm, sandy beaches and a relaxing vacation. And even though the coronavirus pandemic has put quite a few plans on hold, we can use this time to learn ways to better budget our travel for the future. Planning a vacation on… Read more »

banner showing Hudson River Credit Union was named Healthiest Employer in the Small Business category

Hudson River Community Credit Union Named 2020 Healthiest Employer

With employee health being one of the most important topics in the workplace — especially with the recent emergence of COVID-19 — we are proud to announce that HRCCU has been named a 2020 Healthiest Employer by the Albany Business Review for the second straight year. The awards program honors 30 companies in the Capital… Read more »

gold lock laying on top of three dark gray-colored chip credit cards

6 Tips to Protect Yourself from Credit Card Fraud

In the digital Information Age we currently live in, credit cards are thought of as a convenience — something many of us rely on. With a debit card or bank card in hand, consumers don’t have to worry about their bank lobby being open to access their money. As easy as it is to make… Read more »

adult male wearing round black glasses holding a credit card in one hand and his cellphone in the other making an online purchase

Pros & Cons of Credit Cards

For many of us, credit cards feel like an important step in becoming a financially independent adult — especially for young adults coming of age. And there’s no shortage of options for those who want or need to borrow funds, whether it’s for a specific purpose, vacation, or to help supplement income. “Credit cards have… Read more »

a house made from stacked coins and two creased one hundred dollar bills resting on the coin stacks to form a roof

Renting vs. Buying a House

Your friends are buying homes, your kids want a yard with a pool, and you want your own office space. But is it time for you to buy a house? Purchasing a home is one of the biggest decisions an adult will make in their life, and potentially one of the most stressful times. So,… Read more »

3 High School Graduates Awarded College Scholarships by HRCCU

Meet the Winners Hudson River Community Credit Union (HRCCU) has awarded three deserving local high school seniors with $1,000 college scholarships as the 2020 school year comes to an end.  These scholarships will allow the recipients to offset the cost of studying at a 2- or 4-year college or university this fall. The recipients of… Read more »

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 »