What are the benefits of using a chip debit/credit card?

Not a completely ubiquitous concept yet, but here are the benefits of a chip card.

A standard size credit/debit card which has a microchip as well as a traditional magnetic strip. The chip encrypts information to increase data security when making transactions at stores, terminals, or an ATM. Basically, it is to promote and ensure credit cards security. This endeavor hopes to ensure security and worldwide acceptance of Mastercard and Visa Cards and expand their use everywhere.

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