Member/Ownership Invitation

Owner Member ship Invitation T

Savings Accounts Checking Accounts Home Loans Auto Loans VISAŠ Credit Cards

Making Life Better

to I cordially invite you join Hudson River Community Credit Union , where our members are also our Credit Union’s owners. d, full-service , As a community-base owned ernot-for-profit, memb r Credit Union ou financial cooperative, rned to its returns any profits ea e form of lower member/owners in th d personal loans an rates on auto, home rates on checking and higher dividend unts and accounts, savings acco Certificates. ys for you to HRCCU offers many wa eration of your have a voice in the op ding the Credit Union- inclu eer and serve as nt lu opportunity to vo our Board! an elected member of ing Life Better ” Every day, we’re “Mak the communities for our members and rk . where we live and wo better for you!

Let us help make life

Sue

Sue Commanda, CEO Credit Union Hudson River Community 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.

w Share Savings Accounts w Holiday Club Accounts w Premier Savings Accounts w Money Market Accounts w Share Certificates w Youth & GR8 2B YOUNG Accounts w Uniform Transfers to Minors Act

(UTMA) Accounts

w Traditional, 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 Money TM , 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.

w Low-Fixed Annual Percentage Rates* w No Annual Fees w No Transaction Or Cash Advance Fees w No fee for Balance Transfers w And More!

Loans For Great Reasons.

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

w New/Used Vehicle Loans w Home Equity Loans w Recreational Vehicle, Motorcycle & Boat Loans w 1st and 2nd Mortgages w Refinancing of other financial institution loans w Bill Consolidation Loans w Vacation & Holiday Loans w Parental and Interest Only Loans for Undergraduate Students w Personal Loans & Share Secured Loans w Small Business Loans w VISA© Platinum Credit Cards

Valuable Convenience Services.

Improve your financial life with our convenient 24/7 services:

w Free Virtual Branch Home Banking Services And PayIt®

w Direct Deposit/Payroll Deduction

w Free Mobile Money

w eStatements

w Courtesy Pay (Overdraft Privilege)

w Audio 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 Avenue Corinth, NY 12822 Phone: 518-654-9028 Toll-Free: 1-800-824-0700 Fax: 518-654-7234 Loan Dept. Fax: 518-654-6507 Audio Response: 518-654-7330 Web Site: hrccu.org Cohoes 35 Niver Street (Just off of Interstate 787) Cohoes, NY 12047 Phone: 518-237-1121 Fax: 518-237-1122 Glens Falls 160 Broad Street Glens Falls, NY 12801 Phone: 518-743-0561 Fax: 518-745-0870 Hudson Falls King’s Plaza, 3762 Burgoyne Avenue (Corner of Rtes. 4 and 32) Hudson Falls, NY 12839 Phone: 518-743-0561 Fax: 518-747-0702 Troy 40 Leversee Road Troy, NY 12182 Phone: 518-237-1121 Fax: 518-238-2520 Your Money Is Federally Insured.

HRCCU accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) an agency of the federal government. IRAs are insured separately for up to an additional $250,000.

Rated 5-Stars By:

Federally Insured by the NCUA. Equal Housing Opportunity Rev. 3/13