HRCCU Blog on Finance, Banking, Saving & More – Page 7

Savings Account Money Global Finance Concept

What Are High Yield Savings Accounts?

High-Yield Savings Accounts – An Overview If one of your financial goals is to grow your savings, then it’s important to understand the tools that are available to help you do it. Even for those who are most disciplined about their saving habits, not all accounts are created equally. For individuals who are serious about… Read more »

Man signing car insurance document or lease paper. Writing signature on contract or agreement. Buying or selling new or used vehicle. Car keys on table. Warranty or guarantee. Customer or salesman.

Finding the Best Auto Loan Rates

When you are ready to buy a new vehicle, finding the right make and model and negotiating a good price to buy it is great, but none of that will matter if you don’t also find an auto loan with competitive rates and fair terms. All lenders are different, so before you head to the… 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 »

The 2023 HRCCU Scholarship Winners Announced!

One way of achieving our mission at HRCCU is by awarding local, college-bound, high school graduates with scholarships to help relieve some of the financial burden often faced with paying for college. As a local, not-for-profit credit union, the staff and board of directors at Hudson River Community Credit Union (HRCCU) are dedicated to helping members… Read more »

Mom, dad, and kids travelling by car with dog in the backseat

GREENLight Auto Finance Review: Is GREENLight the Right Auto Loan for You?

Choosing the right vehicle finance method — or deciding whether to finance at all — can be just as complex as choosing the vehicle you want to buy. Today, drivers have a variety of payment options, including leasing, traditional auto loans, and GREENLight auto loans, a less-known but potentially practical option. GREENLight auto loans are… Read more »

Hand flips wooden cube and changes the inscription

How to Change Bad Spending Habits

It can take a bit of time to develop better spending habits, but the benefits are ongoing and extensive. Unfortunately, financial issues caused by bad spending habits are common among most Americans, with the Census Bureau reporting that more than 91 million people said they were having trouble paying their standard household expenses in July… Read more »

DIY: Build Your Own Car Emergency Kit

Fail to plan. Plan to fail. This simple axiom applies to every aspect of life, including vehicle safety. Part of being a safe driver is preparing for any situation you could encounter on the road. This includes equipping your vehicle with the type of essential equipment you may need in a crisis by packing a… Read more »

adult male holding a blue credit card sitting at a table using a silver-colored laptop to shop online

Top 15 Pros and Cons of Online Shopping

Online shopping has revolutionized the way we purchase items, offering a convenient alternative to traditional in-store shopping. From plane tickets to groceries, household necessities, and office supplies, the convenience of buying online is unparalleled. Online retail has made it easier to compare prices and find a wide array of products, sometimes at better prices than… 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 »