Hudson River Community Credit Union Cohoes NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Hudson River Community at our Cohoes Branch, located at 35 Niver St, Cohoes, NY 12047! Since opening our doors in 1954, we have been dedicated to serving the financial needs of our community with trust and integrity. With a proud membership of over 32,775, we work hard every day to ensure that each member feels valued and supported. At Hudson River Community, we understand that your financial journey is unique. That's why we offer a wide range of services tailored just for you, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our total assets stand at an impressive $325,598,131, reflecting our commitment to being a stable and reliable choice for your banking needs. With $13,075,256 in deposits and a net worth of $52,326,948, you can rest assured that your money is in good hands. Our team is led by CEO Susan Commanda and Board President Charles Pasquarell, who are both passionate about fostering relationships within our community. With a dedicated staff of 76 employees, we're here to provide personalized service that makes banking easy and accessible. Whether you prefer visiting us in person or accessing your account online or via mobile app, we have you covered. While members can visit us at 35 Niver St, official correspondence should be sent to our mailing address: 1 3rd St, Corinth, NY 12822-1230. Join us today and experience the difference at Hudson River Community! For more information or to get started on your financial journey with us, call us at 518-237-1121 or visit our website at hrccu.org. We look forward to welcoming you into our family!

Branch History & Mission

Commitment to Service

Our operating hours are designed to accommodate busy lifestyles: Monday through Wednesday from 9 AM to 4 PM; Thursday and Friday from 9 AM to 5 PM; and Saturday from 9 AM to 1 PM. We strive to make your banking experience as convenient as possible with both physical locations and online banking capabilities. As we look ahead to the future, we invite you to join us at Hudson River Community Credit Union. Experience firsthand how we can assist you with your financial goals while making a positive impact on the Cohoes community. Together, let's build a brighter tomorrow! For more information or to become a member today, visit us at Hudson River Community or call us at (518) 237-1121.

Our Journey

From our humble beginnings, Hudson River Community has blossomed into a thriving credit union with over 32,000 members and total assets exceeding $325 million. The journey started at our branch address, 35 Niver St, Cohoes, NY 12047, where we focused on providing personalized banking experiences that cater to the needs of our community. As we evolved, we embraced new technologies and digital advancements to enhance member convenience while ensuring compliance with ADA standards. Throughout our history, we've taken pride in being more than just a financial institution. We actively engage in community outreach efforts, partnering with local organizations to support various initiatives that uplift our neighborhoods. This commitment is reflected not only in our services but also in the relationships we've built over time.

Our Mission

At Hudson River Community Credit Union, our mission is simple: to empower individuals and families by providing accessible financial services while fostering a spirit of community support. We offer a wide range of products including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking services. We aim to ensure that every member feels valued and supported as they navigate their financial journeys. While members can visit us at 35 Niver St for all their banking needs whether it's through our drive-thru service or ATM availability official correspondence should be sent to our mailing address at 1 3rd St, Corinth, NY 12822-1230.

Branch Location & Accessibility

Connect With Us

Got questions or need assistance? Feel free to give us a call at 518-237-1121. Our friendly staff is ready to assist you with anything you might need. We invite you to visit us soon and discover how we can support your financial journey!

Nearby Landmarks and Accessibility

Conveniently situated near local landmarks, our branch is just a stone's throw away from the vibrant downtown area. This makes it simple for you to swing by while running errands or visiting nearby shops. We pride ourselves on providing accessible services for everyone. Our branch is ADA compliant, featuring ramps and spacious parking to accommodate all visitors comfortably.

Operating Hours and Services

We understand that your time is valuable. That's why our lobby hours are designed with your busy schedule in mind. Visit us Monday through Wednesday from 9 AM to 4 PM and Thursday to Friday from 9 AM to 5 PM. Need to stop by on Saturday? Our drive-thru service is available from 9 AM until 1 PM for your convenience. At Hudson River Community, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM access and basic drive-thru banking services available, managing your finances has never been easier.

Member Eligibility

At Hudson River Community, we believe that everyone deserves a financial partner who truly cares. Becoming a member is an easy and welcoming process. If you live, work, worship, or attend school in Albany County or have a family member who is already a member, you're eligible to join our community. This means you can enjoy all the benefits we offer, from personalized banking services to competitive loan rates. To learn more about specific eligibility requirements, feel free to check out our detailed information at . Once you're ready to take the next step, opening an account with us is straightforward! Simply visit our online account opening page at https://www.billerpayments.com/app/enrolledwebui/#/login ?bsn=hrcculnpymnts or give us a call at (518) 237-1121 for any questions. We're here to support you every step of the way as you join the Hudson River Community family at our branch located at 35 Niver St Cohoes Ny 12047.

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $545,003, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable payment solutions is essential. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine a customer stepping into your store, purchasing their favorite item with just a tap of their card. With our services, this becomes a seamless reality, enhancing customer satisfaction and boosting your sales. Located at 35 Niver St Cohoes Ny 12047 in Cohoes, NY, we invite you to explore how our tailored solutions can fuel your business ambitions. For more information, feel free to reach out at (518) 237-1121. Let's work together to grow your business!

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, we offer robust Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to help you succeed.

Convenient Access

We know convenience matters in today's fast-paced world. That's why we provide various access points for your banking needs. Our branch features basic drive-thru banking for quick deposits and withdrawals, as well as ATM services that let you check balances and withdraw cash without stepping inside the branch.

Credit Cards with Rewards

Who doesn't love rewards? With our Credit Cards with Rewards, you can earn points on everyday purchases that can be redeemed for exciting benefits. It's an easy way to save while you shop!

Digital Banking Features

In addition to in-person services, our commitment extends into the digital realm. With features like online banking, mobile payments, and person-to-person transfers, managing your finances has never been easier. You can securely bank anytime and anywhere whether at home or out running errands. If you're ready to explore all the financial possibilities waiting for you at Hudson River Community, don't hesitate! Visit us at 35 Niver St Cohoes NY 12047 or give us a call at 518-237-1121. We look forward to helping you achieve your financial goals!

Lending Solutions

When it comes to financing, we have several options available. Looking to buy a new vehicle? Our Auto Loans & Vehicle Financing provide competitive rates that fit within your budget. Or perhaps you're thinking about owning a home? Our Mortgage Loans & Refinancing services can help make that dream a reality. If you need some extra cash for personal projects or consolidating debt, our Personal Loans & Debt Consolidation options might be just what you need.

Personal Banking Options

We understand that managing your finances can sometimes be overwhelming. That's why we offer Personal Banking services like checking and savings accounts designed to help you save and spend wisely. Our accounts come with features that make banking easy, such as online and mobile banking. Imagine being able to check your balance or transfer money right from your phone while you're on the go!

Digital & Online Banking

Key Features of Our Online Banking Services

With our 24/7 online banking services, you can view your account balances, transfer funds, and pay bills with just a few clicks. No more waiting in line everything you need is right at your fingertips. If you prefer using your smartphone, our mobile application makes banking even more convenient. You can check your accounts, deposit checks, and make payments directly from your device. We also offer electronic signature authorization for added convenience when signing documents from home. Plus, with e-statements available, you can easily keep track of your finances without the clutter of paper statements.

Secure and Simple Transactions

Security is a top priority for us. Our online banking system uses advanced encryption to protect your personal information and transactions. You can feel confident knowing that your data is safe while you enjoy features like person-to-person transfers. Whether you're splitting a bill with friends or sending money to family, it's as simple as sending a text. With mobile payments enabled, you can make quick and easy purchases right from your phone, making everyday transactions hassle-free. In summary, at Hudson River Community, our digital and online banking services are designed for accessibility and ease-of-use so that managing your finances is straightforward and secure. Join us today to experience how banking should be!

Financial Strength

Commitment to Growth

With $48,523,026 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is further demonstrated by having $3,469 in used auto loans and $283,338,373 in total loans and leases, which supports members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 46,260, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,011,290, reflecting our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hudson River Community is your trusted partner. Visit us at 35 Niver St Cohoes Ny 12047 or call (518) 237-1121 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $2,808,072, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 73 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $60,902,674 in share certificates and $6,950,660 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $745,469, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $52,326,948, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,607 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $56,715,107 in used vehicle loans and $36,412,376 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $545,003 provide the capital needed to grow and expand. We're committed to supporting local businesses by offering accessible financing solutions that can help you achieve your business objectives.

Conclusion

Whether you're aiming for a new vehicle or planning for homeownership, Hudson River Community is dedicated to providing the financial support you need. Our knowledgeable staff is here to assist you at every step of the way. Feel free to reach out to us at 518-237-1121 or visit us at 35 Niver St Cohoes NY 12047 for more information on how we can help you secure the financing you need. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,428,102, make buying or refinancing simple. We provide tailored solutions that fit your unique situation and budget. If you're considering refinancing your existing mortgage, ask about our eligibility options that could save you money in the long run.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $7,718,203 in loans helping members manage their finances effectively. These cards come with competitive interest rates and no annual fees, making them an excellent choice for those looking to consolidate debt or cover unexpected expenses.

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HUDSON RIVER COMMUNITY CREDIT UNION