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Holiday Skip-A-Pay

Give yourself a gift this holiday season by skipping your November, December or January loan or credit card payment.

Spread holiday cheer with a little extra cash this year! Skip your November, December or January credit card or loan payment with our Holiday Skip-a-Pay promotion.

Starting November 1, as a valued HRCCU member, you may qualify to skip one or more of your eligible Visa Platinum Credit Card or Consumer Loan payments* through January 31, 2021.

For more details or to take advantage of our Holiday Skip-A-Pay promotion, visit a branch, contact member services at (518) 886-3400 and press 3, or fill out the form to have a member services representative contact you. A $20 fee will be assessed per loan and one loan payment per promotion period is allowed.

*Not included in this promotion: Student Loans, GREENLight Auto Loans, Personal Share Loans and Real Estate Loans are not eligible. VISA or loan must be a minimum of six months old. VISA or loan must be current. Finance chargers will continue to accrue and this may extend the term of the loan.

Interested in Skipping a Payment?

Fill out the form to have a representative contact you.

  • This field is for validation purposes and should be left unchanged.

Contact Us

For more details or to apply for a Holiday Skip-a-Pay, contact us at at (518) 886-3400 or fill out the form to have a loan services representative contact you.

Current Rates

Auto Loans
APR as low as
1.75%
Fixed Rate 36 Month
Mortgages
APR as low as
2.25%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.875%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration