Important Updates Regarding COVID-19

Starting today your online bank account is safer than ever with the launch of our Two-Factor Authentication feature. This new feature enhances the security of your account by using a secondary device to verify your identity. The next time you log in to your online bank account or mobile app you will be prompted to setup this new authentication. Just follow the instructions to complete setup. Log in now to get started or learn more here.

COVID-19 Updates and Resources

At HRCCU, the health and well-being of our members, employees and communities is our top priority. At this time, we want to reassure you that we are monitoring the rise in COVID-19 cases in the Capital Region and doing everything possible to keep our members and employees safe. Please see the following changes to our operations and check back often for updates:

Branch Status (last updated 5/19/2021)

Schedule an In-Branch Appointment

BEGINNING MAY 19, HRCCU WILL ADOPT THE CDC AND NEW YORK STATE’S NEW MASK GUIDELINES. FULLY-VACCINATED MEMBERS WILL NO LONGER BE REQUIRED TO WEAR A MASK WHEN VISITING A BRANCH. UNVACCINATED MEMBERS SHOULD CONTINUE TO WEAR A MASK. ALL MEMBERS WILL BE REQUIRED TO MAINTAIN SOCIAL DISTANCING WHILE INSIDE. THANK YOU FOR YOUR UNDERSTANDING.

All HRCCU Branch Lobbies are open for business! You can find a complete list of our branch hours by location here.

Members in need of discussing an account opening or loan application, can fill out our In-Branch Appointment Form to meet with a branch representative.

Members can also find additional branches and ATMs that are part of our shared branching network here.

We also encourage you to use our digital banking services to manage your finances and conduct online transactions.

Thank you for your continued trust in us as we navigate these uncertain times. Please visit this page often to stay up-to-date on branch availability and financial relief programs.

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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): 

Mortgage Forbearance on real estate loans for members impacted by COVID-19

  • To be eligible for mortgage forbearance, members must explain and provide documentary evidence of how their household has incurred a financial hardship from the coroanvirus pandemic. Examples include: a recent paystub from a business which has not been declared to be essential, a letter from the employer, etc. This may be from anyone in the household.
  • Please note: members with escrow accounts may need to make additional escrow deposits in order to avoid a shortage at the end of the year which could substantially increase loan payments in 2021.

To request a Mortgage Forbearance for your eligible loans, contact Financial Solutions at (518) 654-9028 and press 4 or fill out the form to have a representative contact you.

Special Deposit and Loan Offers:

90 Day No Pay Loans*

  • We’re currently offering 90 day no pay loans on all personal loans and vehicle loans on new or used vehicles for qualified customers.
  • No payment required for the first 90 days with all approved loans at the member’s request.
  • Interest will accumulate from the date of loan booking.

*The 90-Day No Pay Loan Special is for new or used vehicles only. Promotion starts April 24, 2020 and will run until further notice. No payment required for the first 90 days with all approved loans at the member’s request. Interest will accumulate from date of loan booking. Normal discounts can apply. All other loan guidelines apply. VISA credit cards and unsecured lines of credit are excluded from promotion.

Find car dealers currently operating in the Capital Region here.

Apply Here

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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Important Notice Regarding Stimulus Payments (updated 12/30/20):

The federal Coronavirus Response and Relief Supplemental Appropriations Act of Dec. 27, 2020 was signed into law providing relief to U.S. consumers and businesses impacted by the coronavirus pandemic. For many members, the most important piece of this legislation are the stimulus payments and the additional unemployment benefits.

The first round of stimulus checks have started being deposited into tax payers bank accounts.

Some HRCCU members will have started to see pending stimulus payments from the IRS in their online bank accounts. Direct deposits will continue to be issued to taxpayers. This includes Social Security beneficiaries who filed federal tax returns that included direct deposit information.

The money will be deposited into the account on the date listed in the deposit. These funds can not be released any sooner. Those receiving paper checks can remote deposit them into their accounts using the mobile app. However, limits do not allow you to deposit any checks over $2,500, so if you receive a stimulus check over this amount, please call or email us.

If you have questions about these payments, please check our Help Center for answers to the most frequently asked questions or contact us at 518-886-3400.

For more information, visit the IRS website.

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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
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
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