All HRCCU branches will be closed Wednesday, March 20 for a staff training day. Branches will reopen for normal business hours on Thursday, March 21.

What is the Skip-a-Pay Program?

HRCCU offers the Skip-a-Pay Program twice per year (Summer and Winter).

HRCCU’s Skip-a-Pay Program allows you to skip up to one monthly payment per promotional period. Those payments are then added to the end of your loan term. Skipping a loan payment under this program does not impact your credit rating. The is a $20 fee per skip request, per each loan.

Need further assistance? You can also call us at 518-886-3400 for support during normal business hours.

Current Rates

Auto Loans
APR as low as
5.50%
Fixed Rate 36 Month
Mortgages
APR as low as
6.00%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
5.95%
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

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