• 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

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

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

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

Spring into Action: First-time Home Buyer’s Guide 2018

Posted by John Marino on Apr 19, 2018 6:00:00 AM

Spring has arrived and with it comes new beginnings, fresh ideas and a desire to shake off winter’s slumber to embark on a new adventure. Perhaps your desire to acquire a first home is blossoming once again. It’s the right time, and Hudson River Community Credit Union’s (HRCCU) Mortgage Center is the perfect place.   

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Topics: Mortgage

Mortgage Rates in Holding Pattern

Posted by John Marino on Apr 7, 2017 10:56:02 AM

Mortgage rates shot way up in the first three months of the year, then dropped a bit. Last week they mostly stayed put, according to Bankrate’s weekly national survey.

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Topics: Mortgage

Home Buyer's Guide

Posted by John Marino on Mar 21, 2017 10:02:00 AM

 Buying a home can be an intimidating process. You may have found the home of your dreams or the fixer upper you have had your eye on for a while. However, you need to know what you can afford, what your options are and all the costs associated with a home purchase. HRCCU has created a home buyer’s guide for you to reference as you move forward with your new home.

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Topics: Mortgage