At HRCCU, we help you finance your dreams.

All HRCCU Branch Lobbies are Now Open! We encourage you to continue to use the drive-thru and online banking to reduce the spread of COVID-19. Learn More

Making Borrowing Better

For more than 60 years, we have been helping residents of the Capital Region finance their dreams through a variety of loan products that offer flexible terms and competitive rates. Our seasoned loan specialists will work with you to find the loan that best fits your needs, your budget and your lifestyle.

Current Rates

Auto Loans
APR as low as
1.75%
Fixed Rate 36 Month
Mortgages
APR as low as
2.25%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.875%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration