Bank

Savings Accounts to Fit Your Lifestyle

From youth accounts to IRA savings, find rates and minimum balances to fit a range of needs and stages in life.

Learn More

Borrow

VISA® Online Account Access

Sign up for a revolving line of credit and enjoy low interest rates and no annual fee.

Learn More

Member Resources

Home Buyer's Guide

Spring into action and buy with confidence with our First Time Home Buyers Guide.

Learn More

Why HRCCU

Shared Branch & ATM Network

Access over 30,000 Branch and ATM locations around the corner or across the country.

Learn More

HRCCU Blog

Katie Koke

Recent Posts

5 Ways to Manage Time and Money With Online Banking

Posted by Katie Koke on Apr 6, 2020 11:00:00 AM

As the old adage goes, time is money. As time becomes more and more of a premium in the modern-day and things seem to move more rapidly than ever, you need banking that follows suit. With the advent of more sophisticated and user-friendly online banking tools in recent years many financial institutions have made it a priority to make time/money management more efficient than ever. Equally important to those tools existing is actually knowing about them, and being able to use them to their full capability. A good tool is useless if it isn’t being used! Here are 5 ways you use online banking to better manage your money--and your time. 

Read More

Beware of Scams and Phishing Attempts During COVID-19.

Posted by Katie Koke on Mar 30, 2020 11:00:00 AM

At HRCCU, security and education is one of our top priorities for our members. In uncertain times, scammers and fraudsters will capitalize on the vulnerability of organizations and individuals. We have already begun to see an increase of scammers calling members and suspicious emails flooding inboxes. Below are a few steps to help you avoid getting caught in a scam during the coronavirus (COVID-19) pandemic.

Read More

Why Interest Rates Fluctuate

Posted by Katie Koke on Mar 16, 2020 11:00:00 AM

If you’ve taken out a mortgage, auto loan, or even just own a credit card then there’s a good chance that you intimately understand the fundamentals of interest rates. This is how it works, you borrow x amount of money that you pay back over an agreed upon period of time. Now because the creditor or financial institution is in essence fronting you money that you don’t have at the moment, then in return you pay the money back in installments at an agreed upon percentage. 

Read More

Topics: rates, economics, inflation

Four Tips for Managing your Finances during a Pandemic.

Posted by Katie Koke on Mar 11, 2020 2:15:17 PM

With the spread of the coronavirus (COVID-19) pandemic across New York State, the country and the world, now more than ever we have been challenged to find new ways to mitigate the spread of the virus. This includes the way we do everyday activities including banking. To help you navigate the coronavirus pandemic, here are four ways you can manage your finances from the comfort of your home.

Read More

Topics: #news, #important

5 Tips for Safe Online Shopping

Posted by Katie Koke on Mar 2, 2020 11:00:00 AM

5 Online Shopping Safety Tips to Use Every Day

As technology advances, online shopping continues to grow in popularity for people across the globe.

Read More

Topics: online tips, tips, safety

Social Security, Explained

Posted by Katie Koke on Feb 17, 2020 11:00:00 AM

When you get paid, there are 2 programs that you pay into as mandated by the federal government: Medicaid and Social Security (also known as FICA). There’s no doubt that you’ve noticed this pulled from your paycheck every pay period, and of the two programs Social Security is by a significant margin the more expensive, with the current withholding rate sitting at 6.2% of your gross income--compared to the 1.45% withheld for Medicare. 

Read More

How Banking Changed in the 2010s

Posted by Katie Koke on Feb 3, 2020 11:00:00 AM

This decade has been ten years of significant technological change, continuing the trend that started in the 1960s, accelerated rapidly during the 1980s, and into the 2000s. One huge piece of that change which has been dubbed by some as the “Information Revolution”, has been the integration of communications devices into day to day life on a near-constant basis. Personal computers are frequently the device we work on every day, and we spend much of our free time on mobile devices utilizing apps, sending texts, or checking emails. This technology is nearly all-encompassing and has touched nearly every person and industry in the world--and banking is no different. 

Read More

Long Term Budgeting: Planning Past the Present

Posted by Katie Koke on Jan 20, 2020 11:00:00 AM

Successful budgeting can be difficult, even when you’re only thinking about things on a month-to-month basis. Things can get overwhelming when you start thinking about budgeting in the long-term for bigger expenses. For example, like a future home, paying for college, or retirement- in the future. But it doesn’t have to be! In fact, long term budgeting isn’t fundamentally all that different than short-term budgeting; it just requires a little bit more work and commitment. Here are a few tips for creating a long-term budgeting plan that can keep you on track for those big purchases you want to make down the line. 

Read More

Topics: Member Resources, budgeting, planning

5 Good Spending Habits to Bring Into 2020

Posted by Katie Koke on Jan 6, 2020 11:00:00 AM

There are many ways you can incorporate proper spending habits into your lifestyle! Increasing your salary and putting away money into savings aren't the only ways to do so. Learning when you should spend and how you should spend it will influence your ability to reach your financial goals. With a little discipline you can set yourself up to these five good spending habits to carry yourself into the new year. 

Read More

Cryptocurrency Explained

Posted by Katie Koke on Jan 6, 2020 11:00:00 AM

Cryptocurrency had a groundswell of popularity as a part of the cultural conversation about our rapidly shifting digital era a few years ago, and continues to be a topic of conversation today. Perceptions of cryptocurrency vary: the rise of the so-called “self-made billionaires” who were early investors in cryptocurrency like Bitcoin had some proclaiming that this new form of digital finance was the currency of the future, while others view it as nothing more than a fad. 

Read More

Topics: cryptocurrency, bitcoin