Important Updates Regarding Coronavirus (COVID-19)

Coronavirus Updates and Resources

At HRCCU, the health and well-being of our members, employees and communities is our top priority. We understand the concern over the Coronavirus (COVID-19) and are committed to being responsive to the needs of our members and employees as we learn more about the virus. At this time, we want to reassure you that we are monitoring the situation and doing everything possible to keep our members and employees safe. With that said, please see the following changes and check back often for updates:

Branch Status (updated 3/23/2020)

**Please be advised that financial institutions including HRCCU branches are considered essential services and will remain open.**

To do our part to support a healthy community during the COVID-19 pandemic, we have limited branch service to drive-thru only. Members will have access to the Credit Union’s drive-thru lanes during the following business hours:

Monday 
8 am – 4 pm

Tuesday & Wednesday
9 am – 4 pm

Thursday
9 am – 5 pm

Friday 
10 am – 6 pm

Saturday 
9 am – 1 pm

In a continued effort to protect our employees and best serve our members, we have temporarily closed the Troy Branch Location until further notice. For the nearest drive-thru banking services, please visit our Cohoes Branch at 35 Niver St, Cohoes, NY.

To find additional branches and ATMs as part of our shared branching network, please visit our Branch Locations page.

Members may sign loan documents via DocuSign or in branch by appointment only.

Members with disabilities who need assistance can also call the branch to make an appointment. This is for the protection of our members and staff.

We also ask that you open any new accounts or apply for loans through our convenient online application center. If you do not have access to a computer, you can call us at 518-654-9028 to apply over the phone.

ATMs are available 24 hours and are being disinfected hourly during business hours.

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Home Banking 

Learn more about the number of ways you can bank from your home:

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COVID-19 Financial Relief Programs 

During these uncertain times, we understand that there may be instances where our members find themselves facing financial difficulties. We want you to know that HRCCU is here to help and encourage members who may be impacted to reach out to discuss how we might be of assistance. Should you not find a program from below that meets your needs, please contact us at (518) 654-9028.

Financial Relief options for members (updated 3/27/2020): 

  • 90-Day Mortgage Forbearance on real estate loans for members impacted by COVID-19
  • No Fee Skip-a-Pay program on eligible Visa Platinum Credit Card and Consumer Loans
  • Free over the phone payments

Visit our relief program page for details

We are currently working on developing additional financial relief options for those affected financially by the coronavirus outbreak. Please check back often for updates.

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HRCCU Coronavirus FAQ

We realize during these confusing times that you might have questions about your finances and how HRCCU is addressing the coronavirus outbreak. We have developed a coronavirus Help Center page to answer your questions about HRCCU’s plans to address COVID-19. We will continue to update these questions and answers as the situation with the coronavirus evolves and changes.

Get answers to your questions

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Coronavirus Resources

Please see the below resources to learn more about the cornoavirus:

We will be updating this page as more information becomes available.

Current Rates

Auto Loans
APR as low as
2.64%
Fixed Rate 36 Month
Mortgages
APR as low as
2.50%
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