In observance of Memorial Day, all HRCCU branches will be closed on Saturday, May 23 & Monday, May 25, 2026. We will reopen for regular business hours on Tuesday, May 26, 2026.

Unlock your homes potential

How would you transform your home or pay off debt with your home's equity?

If you’re dreaming of a new kitchen, reducing debt or paying for a big life event this year, then a home equity loan from HRCCU could offer you an easy, affordable option to help.

With a home equity loan you can:

  • Make that home renovation a reality
  • Pay off high-interest debt or college expenses
  • Plan your next vacation

Take advantage of your home’s equity today!

Simply fill out the form, apply online or call (518) 704-4599 and press 3 to find out what offer you could receive.

Act Now! Our low rates won’t last long.

Find out if you qualify for pre-approval!

Fill out the form to have a Loan Specialist contact you.

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Contact Us

For more details or to apply for a Home Equity Loan, contact us at (518) 704-4599 and press 3 or fill out the form to have a loan representative contact you.

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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