Hudson River Community Credit Union Hudson Falls NY

Introduction

Welcome to Hudson River Community at 3762 Burgoyne Ave, Hudson Falls, NY 12839 a trusted partner in your financial journey since 1954. Our credit union is proud to serve 32,775 members, offering a wide range of services tailored to meet your personal and business banking needs. With total assets reaching an impressive $325,598,131 and deposits totaling $13,075,256, we are committed to providing our members with secure and accessible financial solutions. At Hudson River Community, we understand that each member's financial situation is unique. That's why we offer everything from checking and savings accounts to auto loans and business financing options. Our dedicated team of 76 employees, led by our CEO Susan Commanda and Board President Charles Pasquarell, works tirelessly to ensure you receive the support you need. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 3762 Burgoyne Ave, Hudson Falls, NY 12839. We invite you to explore our website at hrccu.org for more information on membership benefits or to get started with your account today. Join us in building a brighter financial future together whether you're looking for competitive loan options with over 16,033 loans and leases, or simply want a safe place for your savings with total shares deposited amounting to $272,356,952. Feel free to call us at 518-743-0561 or stop by during our convenient operating hours. At Hudson River Community, your financial success is our priority!

Branch History & Mission

Join Us Today!

While members can visit us at 3762 Burgoyne Ave, official correspondence should be sent to 3762 Burgoyne Ave, Hudson Falls, NY 12839 if needed. Our operating hours are designed with your schedule in mind: Monday from 8 AM to 4 PM; Tuesday through Friday from 9 AM to 5 PM; and Saturday for drive-thru service from 9 AM to 1 PM. We invite you to become part of the Hudson River Community family today! Call us at 518-743-0561 or visit hrccu.org for more information on how you can join us in building a brighter financial future together. Experience firsthand what it means to be a valued member of a credit union that truly cares about your success and well-being!

Our Journey

From our humble beginnings, we have consistently focused on providing quality financial services tailored to meet the needs of our members. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, business banking solutions, and innovative digital services like online and mobile banking. As we evolved, we remained dedicated to fostering strong relationships within the community through outreach programs and partnerships that uplift those around us. Our commitment is reflected in our impressive total assets of $325,598,131. This growth not only signifies our stability but also enables us to invest back into the community through various initiatives that promote financial literacy and support local charities.

Our Mission

At Hudson River Community, our mission is simple yet powerful: to provide exceptional financial services while enhancing the lives of our members and supporting our community. We believe that banking should be more than just transactions; it should empower individuals and families to achieve their goals. Whether you need help financing your first car or advice on saving for your future, we are here for you. We also pride ourselves on being accessible and inclusive. Our branch is equipped with an ATM for convenient access to funds and features drive-thru banking for those busy days when you need quick service without leaving your vehicle. Additionally, we are committed to ensuring that all members can navigate our services comfortably.

Branch Location & Accessibility

Accessibility Features

At Hudson River Community, we prioritize accessibility for all members. Our branch is ADA compliant with features like ramps and wide doorways, so everyone can comfortably access our services.

Convenient Location

Situated near local favorites and essential landmarks, our branch is easy to find. Whether you're coming from downtown Hudson Falls or nearby areas, you'll find that our location offers both comfort and accessibility. Plus, there's ample parking available, ensuring you can quickly get in and out without hassle.

Operating Hours

We understand that life can be busy! That's why we offer flexible hours to accommodate your schedule. Our lobby hours are Monday from 8 AM to 4 PM, Tuesday through Friday from 9 AM to 5 PM, and on Saturdays, our drive-thru is open from 9 AM to 1 PM. Whether you need personal banking assistance or want to make a quick transaction, we're here when you need us.

Services Offered

Inside our branch, you'll find a welcoming team ready to assist you with everything from checking and savings accounts to auto loans and mortgages. We also provide basic drive-thru services for deposits, withdrawals, and simple transactions, along with ATM access for your convenience. While members can visit us at 3762 Burgoyne Ave, official correspondence should be sent to the same address as well. If you have any questions or want more information about our services, feel free to give us a call at 518-743-0561. Come visit us today at Hudson River Community! We look forward to helping you achieve your financial goals!

Member Eligibility

At Hudson River Community, we're excited to welcome you into our community where you'll find support and services tailored just for you. Becoming a member is easy! If you live, work, worship, or attend school in the Washington County area, you're likely eligible to join us. We believe that everyone deserves access to financial resources that empower them, and our membership offers a range of benefits designed to help you thrive. For full details on eligibility criteria, feel free to check out our website at . Once you've confirmed your eligibility, opening an account is just a few simple steps away! You can start your journey with us online by visiting https://www.billerpayments.com/app/enrolledwebui/#/login ?bsn=hrcculnpymnts or give us a call at (518) 743-0561 if you have any questions. We're here to help you every step of the way as you take advantage of everything Hudson River Community has to offer! Our branch is located at 3762 Burgoyne Ave Hudson Falls Ny 12839, and we can't wait to meet you.

Business Banking & Commercial Services

Member Commercial Loans

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. Each loan represents a partnership aimed at turning your vision into reality.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing, allowing you to focus on what you do best running your business. Imagine seamlessly accepting payments from customers both in-person and online without any hassle. Our goal is to equip you with tools that enhance your operational efficiency and customer satisfaction. Visit us at 3762 Burgoyne Ave Hudson Falls Ny 12839 in Hudson Falls, NY or call us at (518) 743-0561 to learn more about how we can help your business thrive!

Non-Member Support

We also recognize the importance of fostering a strong local economy. We support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions to those who need them.

Outstanding Loans Portfolio

With an outstanding commercial loan portfolio of $545,003, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our branch provides easy access through our ATM services, allowing withdrawals and balance checks whenever you need them. Plus, with basic drive-thru banking available for deposits and simple transactions, managing your finances has never been easier. At Hudson River Community, we pride ourselves on being more than just a bank; we're your partner in achieving financial success. If you're ready to explore how our diverse range of services can benefit you or if you have any questions, please give us a call at 518-743-0561 or visit us online at hrccu.org. We look forward to serving you!

Auto Loans and Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing solutions make it simple to drive off in the vehicle you desire. With competitive rates and flexible terms, we work with you to create a payment plan that fits your budget.

Business Banking Services

If you're a business owner, our business banking services can support your growth. From merchant services that simplify transactions to tailored business loans, we are committed to helping local businesses thrive.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Check balances, transfer money, or pay bills from anywhere with just a few taps on your device.

Credit Cards with Rewards

Enhance your spending power with our credit cards featuring rewards. Enjoy cash back on purchases or earn points towards travel all while benefiting from low-interest rates and no annual fees.

Mortgage Loans and Refinancing

For those looking to purchase a home or refinance an existing mortgage, we offer comprehensive mortgage loans and refinancing options. Our team is here to guide you through the process, ensuring that buying your dream home is as stress-free as possible.

Personal Banking Solutions

Whether you are just starting out or looking to manage your finances more efficiently, our personal banking options include checking and savings accounts that help you save for the future while enjoying easy access to your funds. Imagine having a checking account that not only allows you to pay bills effortlessly but also helps you earn interest on your savings.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation services to help you manage those costs without added stress. Whether it's for a major purchase or consolidating existing debts, we aim to find the right solution for your financial situation.

Digital & Online Banking

Key Features for Your Convenience

Whether you're checking your balance or making transfers, our 24/7 online banking services ensure that you have real-time access to your accounts. You can easily manage your finances from the comfort of your home or on the go with our user-friendly mobile application. It's like having a branch in your pocket! Our e-statements feature allows you to view your account statements securely online, reducing clutter while enhancing your financial management. Plus, if you ever need to sign documents, our electronic signature authorization makes the process quick and hassle-free.

Safe and Easy Transactions

Need to send money to a friend? Our person-to-person transfers allow for quick payments without needing cash or checks. And if you're out shopping, take advantage of our mobile payments feature, which lets you pay directly from your phone for added convenience. With all these features combined, managing your finances has never been easier or safer. At Hudson River Community, we prioritize your experience and aim to provide tools that help simplify your banking needs while keeping everything secure. Join us today and explore how our digital banking options can work for you!

Financial Strength

Commitment to Innovation and 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 ability to support your financial goals is also evident with $3,469 in used auto loans and $283,338,373 in total loans and leases.

Growing Membership Base

We have built a strong community of trust with a total of 46,260 share accounts. This demonstrates that more people are choosing Hudson River Community as their preferred credit union for managing their finances. 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 3762 Burgoyne Ave Hudson Falls Ny 12839 or call (518) 743-0561 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Operational Efficiency

Our operational efficiency shines through with a net income of $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. This dedicated team ensures our branches are always ready to serve you with knowledgeable support.

Our Strong Financial Health

With a net worth of $52,326,948, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to stability is reflected in our net worth ratio of $1,607, demonstrating a solid capital foundation. This ensures 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. We provide flexible terms and refinancing options to make your car purchase as smooth as possible.

Credit Lines and Commercial Loans

For those who need additional flexibility with their finances, we offer credit lines totaling $28,486,047. Business owners can also benefit from our outstanding commercial loans totaling $545,003, providing the capital needed to grow and expand. At Hudson River Community, we believe in transparency and accessibility when it comes to financial products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan offerings can help you today! Whether you're considering an auto loan or ready to dive into homeownership with a mortgage loan, we're here to assist every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $17,428,102, making buying or refinancing simple. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible unsecured credit card loans. With a total of $7,718,203 in unsecured credit card loans issued, we help our members manage their finances effectively. Enjoy competitive rates and benefits that make it easier to keep track of your spending.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to regulatory compliance ensures that users receive fair and transparent offers. Every loan comparison reflects actual rates from legitimate lenders, eliminating any guesswork in the process.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. If you want to secure the best loan rates available, compare real-time offers today at LendMesh and find the best options tailored to your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

HUDSON RIVER COMMUNITY CREDIT UNION