Hudson Falls Branch Drive-Thu Now Open! We’re pleased to share that the drive-thru at our Hudson Falls branch has reopened and is now operating during normal business hours. Members can also access our eTeller Machine (ITM) in the drive-thru 24/7 for convenient banking services anytime day or night. Please note that the lobby remains temporarily closed while repairs continue following damage from a recent vehicle accident. We sincerely appreciate your patience and understanding during this time and thank you for your continued membership.

Why do we charge fees for certain actions and not others?

Our fees are standard for all members of HRCCU.

There may be a scenario where no fee will be charged.

For example, if true fraud has taken place on a member’s debit card, we will not charge for the issue of a new card.

Here is a description of just some of the instances where it is not considered to be fraudulent activity.

To find a list of our standard fees, you can view them here.

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
3.99%
Fixed Rate 36 Month
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Community Development Financial Institution, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration

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