• Corinth

    312 Palmer Avenue
    Corinth, NY 12822

  • Cohoes

    35 Niver Street
    Cohoes, NY 12047

  • Hudson Falls

    3762 Burgoyne Ave
    Hudson Falls, NY 12839

  • Glens Falls

    160 Broad St
    Glens Falls, NY 12801

  • Troy

    40 Leversee Road
    Troy, NY 12182

  • 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


3 Reasons to Take Out a Home Equity Loan

Posted by Katie Koke on Oct 21, 2019 11:00:00 AM

If you’ve been a homeowner for a number of years, chances are good that you’re eligible for a home equity loan. But even if you are eligible you may be asking yourself: “Why would I take out another loan?” A home equity loan has quite a few benefits that are worth investigating. Does that mean you should take one out just because you can? Of course not! What it does mean is that you should know about the potential financial opportunities one of these loans can offer - it might provide benefits that you don’t even know about!

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Topics: Blog, Member Resources, Home Equity, Guide

15-Year Mortgage vs. 30-Year Mortgage: Which Makes Sense For You?

Posted by Adam Rossi on Aug 12, 2019 11:00:00 AM

Buying a home, especially if you are a first-time homebuyer, can be a very confusing and stressful process. Unless you went to college for finance or work in a financial institution, it’s not really something that you would have ever learned and chances are you weren’t looking into getting a mortgage in your teenage years or early twenties. Now that you are looking, acquiring the proper knowledge can require a lot of time spent researching to figure out how to get a home mortgage and then figuring out the type of mortgage that makes the most sense for you. That’s what we’re here to help you with. Let’s look at the pros and cons of a 15-year mortgage and a 30-year mortgage, and figure out which of the two makes the most sense for you!

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Topics: Mortgage, Home Equity

A Guide to Mortgages and Home Equity Loans

Posted by Samantha Meurs on Jul 19, 2019 2:24:47 PM

Would you like to buy a home, but are worried you’d never qualify for a mortgage? Or maybe you just don’t know about the process behind it? Want to renovate, but can’t seem to save the extra cash?

Learn how you can do and understand the answers to these questions.

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Topics: Mortgage, Home Equity, Guide

3 Ways to Access Your Home Equity in 2019

Posted by Samantha Meurs on Jul 1, 2019 11:00:00 AM

Accessing your home equity gets a bit of a bad rap. If you hear a phrase along the lines of, “So, I took out a second mortgage on my house,” it is typically perceived as an indication of dire financial straits. This, for one, is not always the case.

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Topics: Mortgage, Home Equity

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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Topics: Home Equity