At a glance
From its website, read 2 Nov 2026Hudson River Community Credit Union is a credit union based in Corinth, New York. Its website describes auto loans, home mortgages and personal loans. Where it lends: Members throughout the Capital Region (New York). Consumer loan APRs stated on its site range from 3.23% to 4.25%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (518) 886-3400 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.hrccu.org |
| Office (official list) | 1 3rd St, Corinth, NY 12822 |
What their website says about applying
Provide your name, address, SSN, employment details, income, and contact information
sourceUpload documents if needed: purchase agreement, bill of sale, title, registration, or proof of income
sourceSubmit your application online or visit an HRCCU branch
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 4.25% APR | rates as low as 4.25% APR | source |
| Personal / consumer loans | Rate: 3.23% APR | 3.23% APR | source |
| Auto / vehicle loans | Term: up to 7 yr | 84 month term is for new vehicles only. | source |
| Personal / consumer loans | Term: 12 mo–12 yr | Borrow for anywhere from 12 - 144 months with a secured personal loan. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
Yes, HRCCU works with members who have fair, limited, or rebuilding credit.
source - Membership required
Offers listed herein are for eligible HRCCU members
source - First-time homebuyer program
Through our First-Time Homebuyer Program, qualified borrowers may receive a grant to assist with down payment and/or closing costs
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jan 2026 |
| RSSD ID | — (none listed) |
| Address | 1 3rd St, Corinth, NY 12822 Directions (Google Maps) |
| Website | www.hrccu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan amounts are not stated on the pages fetched, and the service area is described only as the Capital Region. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Finance your next car with competitive rates, fast approval, and flexible terms from HRCCU. | source |
| Home mortgages | — | Members can choose from fixed-rate mortgages, adjustable-rate mortgages, first-time homebuyer programs, and refinance solutions. | source |
| Personal / consumer loans | — | Take a vacation, consolidate debt or make a large purchase, with an unsecured personal loan. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Members throughout the Capital Region (New York)
Our team serves members throughout the Capital Region.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Submit your application online or visit an HRCCU branch
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as HUDSON RIVER COMMUNITY (charter 24987). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $364.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 34,128 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
New York (5 offices)
- Albany County (1): 35 Niver St, Cohoes 12047
- Saratoga County (2): 1 3rd St, Corinth 12822 (main office); 312 Palmer Ave, Corinth 12822
- Warren County (1): 160 Broad St, Glens Falls 12801
- Washington County (1): 3762 Burgoyne Ave, Hudson Falls 12839
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Hudson River Community Credit Union (NCUA charter 24987, filed as “HUDSON RIVER COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; downloaded 3 Nov 2026.
| Total loans and leases | $284.8 million, 13,657 loans (as of 30 Jun 2026) |
|---|---|
| Members | 34,128 (as of 30 Jun 2026) |
| Loans per member | $8,346 (total loans divided by members, 30 Jun 2026) |
| Total assets | $364.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $33.1 million | 11.6% |
| Used vehicle loans | $57.4 million | 20.1% |
| First-lien home mortgages (1-4 family) | $142.3 million | 50.0% |
| Other real estate loans (junior liens, other) | $24.7 million | 8.7% |
| Commercial (business) loans | $340,647 | 0.1% |
| Credit cards | $7.4 million | 2.6% |
| Other unsecured loans | $12.1 million | 4.2% |
| Leases and other secured loans | $7.5 million | 2.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $364.2 million | Larger than 94% of the 18 other certified credit unions in New York (median $41.6 million). |
| Loans as a share of assets | 78% | Median of the same 18 credit unions: 60%. A higher share means more of its balance sheet is lent out. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New York | 18 | larger than 94% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
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