Get moving with an auto loan from HRCCU! Enjoy competitive rates as low as 3.99% APR with flexible terms from 36 to 60 months. Whether you’re buying new or used, we’re here to help you finance your next vehicle with confidence and ease. Apply Now

Member Appreciation Certificate Special

Earn even more with our limited time certificate special!

At HRCCU, we’re committed to providing our members with the best possible service and most competitive rates.

In an effort to keep this commitment and thank our members for their continued dedication, we are offering a Member Appreciation Share Certificate Special to new and existing members for a limited time.

Member Appreciation Share Certificate Special Rates

Our 2026 Member Appreciation CD Specials have sold out. Check back next year for more great rates.

To take advantage of our Member Appreciation certificate promotion, visit one of our four convenient branch locations or contact member services at (518) 886-3400 to open an account today!

*APY = Annual Percentage Yield. Certificates available as traditional share or IRA certificate. No limit on new money. New Money is defined as deposits and investments not previously held in any HRCCU account. New money receives a 0.25% APY rate bump. Existing money limited to $150,000 per person. Penalties may apply for early withdrawal. Restrictions apply. Offer is for a limited time only. 

Contact Us

For more details or to open a special certificate account, visit a branch or contact us at at (518) 886-3400

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

You are now leaving this site:

By accessing this link, you will be leaving HRCCU’s website and entering a website hosted by another party. HRCCU has approved this website as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of HRCCU’s website. We encourage you to read the privacy and security policies of the site you are entering, which may differ from those practiced by the credit union.

Do you wish to continue?

Yes