How do I open an account with HRCCU?

At HRCCU opening an account is simple! Here's how:

  1. Meet the eligibility requirements.*
  2. Sign up for an account online, over the phone or by visiting one of our five branches.
  3. Start enjoying all the benefits of membership.

*Anyone who lives, works, worships or attends school located within Saratoga, Warren, Washington, Rensselaer counties or the Towns of Cohoes, Watervliet or Green Island and their immediate families are eligible to join.

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

You are now leaving this site:

By accessing this link, you will be leaving HRCCU’s website and entering a website hosted by another party. HRCCU has approved this website as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of HRCCU’s website. We encourage you to read the privacy and security policies of the site you are entering, which may differ from those practiced by the credit union.

Do you wish to continue?

Yes