• Corinth

    312 Palmer Avenue
    Corinth, NY 12822

    518-654-9028
  • Cohoes

    35 Niver Street
    Cohoes, NY 12047

    518-654-9028
  • Hudson Falls

    3762 Burgoyne Ave
    Hudson Falls, NY 12839

    518-654-9028
  • Glens Falls

    160 Broad St
    Glens Falls, NY 12801

    518-654-9028
  • Troy

    40 Leversee Road
    Troy, NY 12182

    518-654-9028
  • Shared Branching

    HRCCU is part of the UsNet Shared Branch Network This provides you, our member, greater convenience and real-time access to your accounts when traveling around the corner or across the country.

    Hudson River Community Credit Union

HRCCU Blog

What is PMI and How You Can Avoid It

Posted by Adam Rossi on Jun 10, 2019 11:00:00 AM

PMI: it sounds like another one of those three letter acronyms that you might have heard in passing that you never really gave much thought. But if you’re mortgage shopping, it’s extremely important that you understand exactly what PMI is and why you should give serious consideration to avoiding it. You don’t want to commit to a mortgage loan without having comprehensive knowledge of all of the possible costs and fees associated with it, and understanding PMI is a big part of seeing the whole picture. Let’s talk about PMI and what you can do to avoid it.

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Topics: Mortgage

How to Get the Best Auto Loan Rates

Posted by Adam Rossi on Jun 3, 2019 2:17:52 PM



Searching for the auto loan with the best rate requires doing some research both on your own personal finances and on what financial institutions offer that fit in with your situation. This can seem like an especially tall task if you’ve never searched for an auto loan before. Before you dive into the process of finding your ideal auto loan, check out a few of the tips and pointers that outlined below, so that you can go into the loan process feeling confident and informed.

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Topics: Auto Loan

Credit Unions vs Banks: Find out which is right for you

Posted by Adam Rossi on May 27, 2019 11:00:00 AM
Everyone needs somewhere to keep their money. But when it comes to choosing between a credit union or a bank, what's the difference? Here is how you can find which is right for you. 

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Topics: Credit Union

3 Smart Tips When Considering a Home Equity Loan

Posted by Adam Rossi on May 20, 2019 11:00:00 AM

Taking out a home equity loan can be a promising prospect, particularly when you’re looking for an influx of money for more expensive endeavors - be it large home remodeling/renovations, paying off high-interest debts or finding money for college tuition. Despite the appeal, when it comes to taking out a second mortgage on your home it’s important to know the smartest and safest way to do so. Otherwise, you leave yourself open to a bad deal, an interest rate that’s unreasonable for you or a financial situation that can become untenable. Here are three tips to follow when you’re considering a home equity loan.

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3 Common Car Loan Mistakes

Posted by Adam Rossi on May 13, 2019 11:00:00 AM

Buying a new car is an exciting prospect. There’s nothing quite like searching for a new vehicle, reading up on all the different features, and finding the vehicle that fits your needs and wants perfectly. Getting a car loan, on the other hand, can be an arduous process, and sometimes the excitement of actually getting the car can leave you susceptible to making a bad decision. You don’t want to end up looking at your car loan payment every month with a mixture of confusion and irritation, and that’s why we’re here to help you avoid the mistakes that will put you in that position. Here are a few common car loan mistakes people make and how to avoid them.

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Topics: New Vehicle, Auto Loan

3 Essential Tips for First-Time Home Buyers

Posted by Adam Rossi on Apr 29, 2019 11:00:00 AM

Buying a home is a huge life decision and can be especially nerve-wracking when you’re buying for the first time. Just like anything that you do for the first time, there’s a learning curve that you have to climb before you can get a good sense of the best strategies for home buying. That’s why we’re writing this guide. We want to give you a head start as a first-time home buyer with a few valuable tips that can help to steer you in the right direction. Let’s take a look at three essential tips for first-time home buyers.

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Topics: Mortgage, Family

5 Steps to Mortgage Approval

Posted by Adam Rossi on Apr 22, 2019 11:00:00 AM

Getting approved for a mortgage loan can seem confusing, especially to first-time homebuyers. But with the right preparation and planning, the mortgage application process can get easier, setting potential borrowers up for quicker approval. Here’s Five Steps to Mortgage Approval.

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Topics: Mortgage

3 Money Mistakes Millennials Need to Stop Making

Posted by Adam Rossi on Apr 8, 2019 12:28:17 PM

Finding the right balance when it comes to money can be difficult, especially when you don’t have a lot of knowledge on how to properly manage your finances. This has been particularly relevant for millennials, many of whom are burdened with big student loan payments, and have lived through both the burst of the dot com bubble and the recession in 2009.

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Topics: Saving Money, Savings Account

How to Start Saving When You’ve Saved Nothing

Posted by Adam Rossi on Mar 27, 2019 10:00:00 AM

Conventional wisdom is that you should start saving as soon as you can. While the sentiment of establishing savings early on is a good one, the reality is that it’s not always easy: whether it be your financial expenses or confusion about how you can start really saving some money, building a healthy amount of savings can feel like something in a far-off future instead of something you can start doing in the present. That doesn’t have to be the case. Even if you feel like you can’t save, you might be surprised to find that you have more to contribute to a savings account than you would believe. While it might require some penny-pinching and lifestyle changes, starting somewhere is better than not starting at all.

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Topics: Saving Money

Maximizing Your Tax Return

Posted by Tyler Moseman on Mar 20, 2019 12:48:59 PM

Because of a new tax law, some people are seeing smaller tax returns in 2019. So if you're one of the lucky people who did get a return this year, why not put it to good use? Here's how to make the most of your refund. 

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