Important COVID-19 Update: In a continued effort to keep members and employees safe, all HRCCU branches are now limited to drive-thru service only. Please find COVID-19 Updates and Financial Relief information here.

How do I know if I am eligible for Skip-a-Pay?

You are eligible for the Skip-a-Pay program if you meet the following requirements:

  • Your loan must be at least six months old
  • The loan type must be eligible, see more here
  • Your loan must be in good standing
    • This means the loan must be current and/or 30 days delinquent for the last six (6) months and must not be delinquent more than five (5) days at the time of the quest.

You may not be eligible if the following is applicable to you:

  • If you have had prior loan extensions performed by the Financial Solutions Department.
  • If the account has been flagged for bankruptcy.

Need further assistance? You can also call us at 518-886-3400 for support during normal business hours.

Current Rates

Auto Loans
APR as low as
2.24%
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
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