Today's Rates

Refinance - First Lien
5/5 Year Adjustable Rate - 30 Year Term
 Rate  APR  Points
 3.750%  3.762%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.021%  0.000%
Home Equity - Second Lien
Home Equity 10 Year Fixed Rate
 Rate  APR  Points
 5.000%  5.000%  0.000%

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Mortgage Center

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for approval.
  3. A HRCCU Financial Services Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Financial Services Officers are only a phone call away if you need help. Contact us at 518-654-9028.

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Home Equity

Mortgage Loans are available through our Equity Builder Product for transactions up to 115% Loan To Value.