HRCCU Branch Location

Cohoes Branch

35 Niver Street

Cohoes, NY 12047

Lobby Hours

Sunday: Closed
Monday: 9 a.m. – 3:30 p.m.
Tuesday: 9 a.m. – 3:30 p.m.
Wednesday: 9 a.m. – 3:30 p.m.
Thursday: 9 a.m. – 5 p.m.
Friday: 9 a.m. – 5 p.m.
Saturday: 9 a.m. – 1 p.m.

Drive-Thru Hours

Sunday: Closed
Monday: 9 a.m. – 3:30 p.m.
Tuesday: 9 a.m. – 3:30 p.m.
Wednesday: 9 a.m. – 3:30 p.m.
Thursday: 9 a.m. – 5 p.m.
Friday: 9 a.m. – 5 p.m.
Saturday: 9 a.m. – 1 p.m.

Cohoes Branch Services

Whether you need to handle everyday banking or take the next step toward achieving a major financial goal, the Cohoes team is here to help you move forward with confidence.

Personal Banking Support

Whether you are new to HRCCU or you simply need a hand managing your current accounts, the Cohoes staff is ready to assist you every step of the way. Take advantage of support for account inquiries, debit card replacements, direct deposit enrollment, and everyday transactions, all provided by a team that knows the community.

Learn More

Lending & Financing Options

Ready to finance a new car, fund a home renovation, or get a handle on existing debt? The Cohoes lending team can help you explore your options, including auto loans, personal loans, and home equity products, ensuring you can choose a path that makes sense for your budget and your goals.

Learn More

Online & Mobile Banking Assistance

Setting up online banking or figuring out mobile deposits can feel overwhelming, but it doesn’t have to be a deal breaker. Bring your device into the Cohoes Branch, and our staff will walk you through the HRCCU digital banking tools step-by-step, so you leave ready to bank from anywhere.

Learn More

Member Testimonials

Bank on Your Terms with ATMs & eTeller Technology

No matter where your day takes you, HRCCU keeps your money within reach. Our surcharge-free ATM shared branching network spans the Capital Region, ensuring you can withdraw cash, check your balance, and handle routine transactions without having to rely on a single branch location for access.

At the Cohoes Branch, members also have access to our eTeller machine, also known as Interactive Teller Machines (ITMs), which offers far more functionality than a traditional ATM. You can complete deposits, withdrawals, account transfers, and loan payments right from this single machine. If you need additional assistance, you can connect face-to-face with a live HRCCU teller via video to handle more complex requests.

Our eTeller machine is available in the drive-thru, allowing you to bank your way 24/7.

Find An ATM

Frequently Asked Questions

Can’t find the answer you are looking for? Contact us or visit one of our branches.

The Cohoes Branch on Niver Street is a full-service location where members can open accounts, apply for loans, make deposits, and get guidance on HRCCU’s digital tools. Whether you need something quick or want to sit down and talk through your options, the team is here to make the process as simple as possible.

Yes. The Cohoes team can help you explore auto loans, personal loans, home equity loans, and more. Our staff will walk you through your financing options, help you understand the terms, and support you through every step of the application, eliminating any surprises along the way.

Walk-ins are always welcome at the Cohoes Branch during regular service hours, and no appointment is required for most everyday banking needs. If you would like to meet with someone about a loan or new membership, scheduling in advance is a good way to make sure you get dedicated time with a team member.

Yes — just bring your phone or device. Our Cohoes staff can help you set up the HRCCU mobile app, enroll in online banking, activate mobile check deposit, and configure bill pay or transfers. We will make sure everything is up and running before you head out the door.

Absolutely. Anyone is welcome to stop by and learn more about what HRCCU has to offer. Our Cohoes team can explain who is eligible to join and walk you through the available accounts and loan products. We can also help you figure out whether HRCCU is the right fit for where you are financially, and where you want to go.

The Cohoes Branch is located at 35 Niver Street in Cohoes, NY 12047, centrally situated and easy to reach from throughout Albany County. Whether you are coming from Watervliet, Troy, or the surrounding area, it is a convenient stop for in-person banking and lending support.