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312 Palmer Avenue
518-886-3400
Corinth, NY 12822 -
35 Niver Street
518-886-3400
Cohoes, NY 12047 -
160 Broad St
518-886-3400
Glens Falls, NY 12801 -
1167 State Route 29
518-886-3400
Greenwich, NY 12834 -
3762 Burgoyne Ave
518-886-3400
Hudson Falls, NY 12839 -
Shared Branching
HRCCU is part of the UsNet Shared Branch Network This provides you, our member, greater convenience and real-time access to your accounts when traveling around the corner or across the country.
Purchase or Refinance
Mortgage & Refinance Rates
| Terms | APR |
|---|---|
| 30-year fixed | 6.00% |
| 20-year fixed | 5.625% |
| 15-year fixed | 5.50% |
| 10/1 ARM | 5.75% |
Balance 50K or more, up to 60% LTV, 740+ Credit Score. Rates include a discount of .25% APR for Auto Pay from an HRCCU Account.
APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage.
Home Equity
Home Equity Rates
| Terms | APR |
|---|---|
| 30-year fixed | 6.25% APR |
| 20-year fixed | 5.65% APR |
| 15-year fixed | 5.15% APR |
| 10-year fixed | 4.65% APR |
| 5-year fixed | 4.65% APR |
| 10/1 ARM | 5.50% APR |
| 7/1 ARM (HELOC only) | 2.99% APR |
Home Equity Loan: Balance 50K or more, up to 95% LTV, 740+ Credit Score. Rates include a discount of 0.25% APR for Auto Pay from an HRCCU Account. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. First lien position. HELOC: APR = Annual Percentage Rate. Rates quoted are as low as the lowest available rates. Actual interest rate will be based on overall creditworthiness. Other rates and terms may apply. Variable Rate Home Equity Line of Credit: Introductory APR of 2.99% is valid for the first 12 months from account opening. Balance 10K or more, up to 95% LTV, 700+ Credit Score. Rates include a discount of 0.25% APR for Auto Pay from an HRCCU Account. After the introductory period, the APR will adjust to a variable rate based on the Constant Maturity Treasury (currently 3.610%) plus a margin of 1.64%, resulting in a current APR of 5.25% as of 3/20/2026. The introductory APR is a promotional rate and will not apply after the introductory period. A 7-year draw period is included in the 30-year term. During the draw period, payments may be interest-only and will not reduce principal. After the draw period, payments will increase and include both principal and interest. The APR is variable and may change annually.
