In observance of the Thanksgiving holiday, all HRCCU branches will be closed on Thursday, November 26 and Friday, November 27. All locations with the exception of the Troy branch will reopen for normal business hours on Saturday, November 28.

Holiday Loans

As the holiday season approaches, make their (or your!) wish list a reality with a low-rate holiday loan from Hudson River Community Credit Union.

Whether it’s for gifts, a holiday vacation, or any other expense, our holiday loan special will help put your mind at ease through the season until the new year.

The holidays can be overwhelming — and expensive. The average American will spend about $1,050 this year on holiday-related expenses like gifts and travel.

If it isn’t budgeted for, the holiday season can make a huge dent in a family’s finances.

Holiday loans can ease the financial strain many of us might feel during this time.

How Holiday Loans Work

Holiday loans come with fixed monthly payments over a predetermined period of time, which is typically 12 to 60 months.

Fixed-rate holiday loans can help cover holiday costs so that you can have a special, memorable holiday season with friends and family without having any immediate worry about expenses.

Many people put their holiday expenses on a credit card, but if not paid back immediately, credit card interest can accumulate quicker than you can say, “Happy holidays!”

One of the many benefits of opting for a holiday loan is that holiday loan APRs are fixed, and the interest rate will stay the same.

Credit card APRs are not fixed, causing interest rates to fluctuate unexpectedly. This can cost you more money in the long run.

At HRCCU, you will not have to start paying off your holiday loan until February 1, 2021. To qualify for  holiday loan at HRCCU, you must credit qualify for the loan and take out a minimum of $300.

When taking out a personal holiday loan, our Loan Center representatives will tell you how long it will take you to pay off the loan, and how much each monthly payment will be.

Get a Holiday Loan at HRCCU

For more information, contact our Loan Center by calling 518-886-3400 and choosing option 3 or fill out the form below to have a representative contact you.

Contact Us

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Holiday Loans

Current Rates

Auto Loans
APR as low as
1.99%
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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