Making Life Better

OwnerMember ship

Invitation

T

Savings Accounts

Checking Accounts

Home Loans

Auto Loans

VISA© Credit Cards

I cordially invite you to

join Hudson River Community Credit Union , where our members are also our

Credit Union’s owners.

As a community-based, full-service,

not-for-profit, member-owned

financial cooperative, our Credit Union

returns any profits earned to its

member/owners in the form of lower

rates on auto, home and personal loans

and higher dividend rates on checking

accounts, savings accounts and

Certificates.

HRCCU offers many ways for you to

have a voice in the operation of your

Credit Union- including the

opportunity to volunteer and serve as

an elected member of our Board!

Every day, we’re “Making Life Better”

for our members and the communities

where we live and work.

Let us help make life better for you!

Sue Sue Commanda, CEOHudson River Community Credit Union

Hudson River Community Credit Union (HRCCU) is a not-for-profit, member-owned, full-service financial cooperative. Unlike profit-driven financial institutions, we return excess earnings to our members in the form of lower interest rates on loans and higher yields for savings accounts and Certificates and by providing the personal and friendly service our member/owners deserve - because we’re member/ owners, too!

Savings Accounts for all ages.Take advantage of our high-yield savings accounts to satisfy your financial needs.

wShare Savings Accounts wHoliday Club Accounts wPremier Savings Accounts wMoney Market Accounts wShare Certificates wYouth & GR8 2B YOUNG Accounts wUniform Transfers to Minors Act (UTMA) Accounts wTraditional, Roth & Education IRAs

Checking Accounts to fit your lifestyle.Hudson River Community Credit Union offers FREE non-interest bearing checking accounts with no minimum balance requirements and FREE interest-bearing checking accounts with minimum balance requirements as low as $500. We offer up to 5 free foreign ATM transactions per month (for our Premier account.)

Plus, HRCCU’s checking accounts come with FREE Virtual Branch® Home Banking,Online Bill Pay, Mobile MoneyTM,eStatements, Audio Response System, direct deposit and payroll deduction!

Our Courtesy Pay program is also available for eligible HRCCU members.

VISA® Debit Card Convenience.Looks like a credit card, works like a check, except there’s no check to write, no ID hassles, and no interest charges. The amount of your purchase is automatically deducted from your Credit Union Checking Account. Accepted worldwide, it’s also an ATM Card you can use anywhere you see a VISA® or NYCE ATM network symbol.

Low-rate VISA® Platinum Credit Card.The only credit card you really need for personal or business use. Transfer your high interest balances to our VISA® Platinum Card. You’ll appreciate the savings and convenience.

wLow-Fixed Annual Percentage Rates* wNo Annual Fees wNo Transaction Or Cash Advance Fees wNo fee for Balance Transfers wAnd More!

Loans For Great Reasons.Stretch your hard-earned dollars and increase your purchasing power with our low interest rates and flexible repayment terms.

wNew/Used Vehicle Loans wHome Equity Loans wRecreational Vehicle, Motorcycle & Boat Loans w1st and 2nd Mortgages wRefinancing of other financial institution loans wBill Consolidation Loans wVacation & Holiday Loans wParental and Interest Only Loans for Undergraduate Students wPersonal Loans &Share Secured Loans wSmall Business Loans wVISA© Platinum Credit Cards

Valuable Convenience Services.Improve your financial life with our convenient 24/7 services:

wFree Virtual Branch Home Banking Services And PayIt®

wDirect Deposit/Payroll Deduction wFree Mobile Money weStatements wCourtesy Pay (Overdraft Privilege) wAudio Response System

*APR= Annual Percentage Rate. Call HRCCU to verify current rates and terms.

Federally insured by the NCUA w Equal Housing Opportunity

VISA® Gift Cards - the perfect gift. VISA® Gift Card amounts range from $10 up to $500. Use VISA® Gift Cards anywhere VISA® is accepted (excluding ATMs, pay at the pump gas, hotels and car rentals). Available at all HRCCU locations. Joining Is Easy!

You and your immediate family members are eligible to join if you live, work, worship, attend school or are a business or legal entity in Warren, Washington, Saratoga or Rensselaer Counties or the towns of Cohoes, Green Island or Watervliet!

To join and become a member and an owner of the Credit Union, simply open a Share Savings Account with an initial deposit of at least $5.00. This account represents your share of HRCCU. As part-owner, you will have full access to the products and services we offer, plus the opportunity to participate as a volunteer on our elected Board of Directors or one of our subcommittees. You also will have the right to vote in HRCCU elections. A Lifetime Benefit!HRCCU membership is a lifetime benefit, even if you change jobs, relocate, or retire. If your lifestyle does change, it’s easy to access your accounts and conduct financial transactions online, by mail, phone, fax, and ATMs.

Stop by a local branch for information and join today!

Five Convenient Locations

Corinth (Main Office)312 Palmer AvenueCorinth, NY 12822

Phone: 518-654-9028Toll-Free: 1-800-824-0700

Fax: 518-654-7234

Loan Dept. Fax: 518-654-6507 Audio Response: 518-654-7330

Web Site: hrccu.org

Cohoes35 Niver Street

(Just off of Interstate 787)Cohoes, NY 12047

Phone: 518-237-1121Fax: 518-237-1122

Glens Falls160 Broad Street

Glens Falls, NY 12801Phone: 518-743-0561

Fax: 518-745-0870

Hudson FallsKing’s Plaza, 3762 Burgoyne Avenue

(Corner of Rtes. 4 and 32)Hudson Falls, NY 12839

Phone: 518-743-0561Fax: 518-747-0702

Troy40 Leversee RoadTroy, NY 12182

Phone: 518-237-1121Fax: 518-238-2520

Your Money Is Federally Insured.HRCCU accounts are federally insured to at least $250,000 by the National Credit Union Ad-ministration (NCUA) an agency of the federal gov-ernment. IRAs are insured separately for up to an additional $250,000.

Federally Insured by the NCUA. Equal Housing Opportunity

Rev. 3/13

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