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Hudson Valley Credit Union

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Hudson Valley Credit Union Rates & Review November 2026

Q: What are the current interest rates at Hudson Valley Credit Union?

Current rates for Hudson Valley Credit Union include: 12-Month CD: 3.65%, 24-Month CD: 3.85%, 60-Month CD: 4.10%, Savings: 3.25%, MMA: 2.25%

Q: What CD terms does Hudson Valley Credit Union offer?

Hudson Valley Credit Union CD rates are 3.88% APY for a 12 month CD, 3.85% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.05% APY for a 4 year CD and 4.10% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Hudson Valley Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Hudson Valley Credit Union's CD Account 60-Month rates are at 4.10%, CD Account 48-Month rates are at 4.05%, CD Account 36-Month rates are at 4.00%, 12-Month Flex CD rates are at 3.88%, CD Account 24-Month rates are at 3.85%. Hudson Valley Credit Union's savings rates are at 3.25%. Hudson Valley Credit Union's money market rates are at 2.25%. Hudson Valley Credit Union's checking rates are as high as 0.15%. Hudson Valley Credit Union's 15-Year Fixed Jumbo rates are at 6.25%, 7/6 ARM rates are at 6.00%, 5/6 ARM rates are at 5.88%, 10/6 ARM rates are at 6.38%, 15-Year Fixed Rate rates are at 6.62%. Hudson Valley Credit Union's Personal Loan Rates are as low as 9.00%. Hudson Valley Credit Union's Credit Card Rates are at 14.75%. Hudson Valley Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Hudson Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.35%. Rates last updated and verified on 10/30/2026.

Hudson Valley Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hudson Valley Credit Union? Share your experience about Hudson Valley Credit Union by leaving a review below, or read customer reviews before you decide to use Hudson Valley Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.35%

Excellent Lower than avg

Health Trend

Very strong 2 quarters

Full history ›

Hudson Valley Credit Union
Boardman Road

137 Boardman Rd
Poughkeepsie, NY 12603

https://www.hvcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Hudson Valley Credit Union CD Rates

Product	Rate	APY	Term
Certificate Account 60-Month	4.01%	4.10%	60-Month
Min Deposit $500 Details Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Certificate Account 48-Month	3.97%	4.05%	48-Month
Min Deposit $500 Details Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Certificate Account 36-Month	3.92%	4.00%	36-Month
Min Deposit $500 Details Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
12-Month Flex Certificate	3.80%	3.88%	12 months
Min Deposit $750 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.88% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Certificate Account 24-Month	3.77%	3.85%	24-Month
Min Deposit $500 Details Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Certificate Account 12-Month	3.58%	3.65%	12-Month
Min Deposit $500 Details Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
8-Month Save Smart Certificate	0.49%	0.50%	8 months
Min Deposit $250 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Certificate Account 6-Month	0.49%	0.50%	6-Month
Min Deposit $500 Details Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Certificate Account 3-Month	0.20%	0.20%	3-Month
Min Deposit $500 Details Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Savings Rates

Product	Rate	APY
Premier Savings Accounts	3.19%	3.25%
Min Deposit $100,000 Min Balance $100,000 Details Fifth Tier; Balance tier lower bound: $100,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts	2.71%	2.75%
Min Deposit $75,000 Min Balance $75,000 Details Fourth Tier; Balance tier lower bound: $75,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts	2.22%	2.25%
Min Deposit $50,000 Min Balance $50,000 Details Third Tier; Balance tier lower bound: $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
College Savings	0.02%	0.02%
Min Deposit $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Holiday Club	0.02%	0.02%
Min Deposit $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts	0.02%	0.02%
Min Deposit $0 Min Balance $0 Details First Tier; Balance tier lower bound: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts	0.02%	0.02%
Min Deposit $25,000 Min Balance $25,000 Details Second Tier; Balance tier lower bound: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Savings	0.02%	0.02%
Min Deposit $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.02%	0.02%
Min Deposit $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Money Market Rates

Product	Rate	APY
Tiered Money Market Accounts	0.49%	0.50%
Min Deposit $250,000 Min Balance $250,000 Details Balance tier: Fifth Tier; Minimum to Open $250,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Tiered Money Market Accounts	0.30%	0.30%
Min Deposit $100,000 Min Balance $100,000 Details Balance tier: Fourth Tier; Minimum to Open $100,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Tiered Money Market Accounts	0.20%	0.20%
Min Deposit $50,000 Min Balance $50,000 Details Balance tier: Third Tier; Minimum to Open $50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Tiered Money Market Accounts	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Details Balance tier: First Tier; Minimum to Open $1,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Tiered Money Market Accounts	0.15%	0.15%
Min Deposit $10,000 Min Balance $10,000 Details Balance tier: Second Tier; Minimum to Open $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Business Money Market Rates

Product	Rate	APY
Business Tiered Money Market Accounts	2.22%	2.25%
Min Balance $250,000 Details Tier: Fifth Tier; Minimum to Open: $250,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Tiered Money Market Accounts	1.98%	2.00%
Min Balance $100,000 Details Tier: Fourth Tier; Minimum to Open: $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Tiered Money Market Accounts	1.48%	1.50%
Min Balance $50,000 Details Tier: Third Tier; Minimum to Open: $50,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Tiered Money Market Accounts	0.15%	0.15%
Min Balance $1,000 Details Tier: First Tier; Minimum to Open: $1,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Tiered Money Market Accounts	0.15%	0.15%
Min Balance $10,000 Details Tier: Second Tier; Minimum to Open: $10,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Checking Rates

Product	Rate	APY
Premier Checking Account	0.05%	0.05%
Min Deposit $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
HSA Checking Account	-	0.02%
Min Deposit $0 Details $0 Minimum to Open; Health Savings Checking Account; Open in a Branch Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Business Checking Rates

Product	Rate	APY
IOLA Business Checking	0.15%	0.15%
Min Deposit $0 Min Balance $0 Details Balance: $0-$9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
IOLA Business Checking	0.15%	0.15%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Enhanced Business Checking	0.05%	0.05%
Min Deposit $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Mortgage Rates

Product	Rate	Points	APR
15-Year Fixed Jumbo	6.25%	0.000	6.279%
Details Jumbo loan; Apply Online Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 5.78% → 6.28% ▲ 0.50 pts · high 6.53% / low 5.78% Oct 26, 20266.28%▼ from 6.40% Oct 14, 20266.40%▼ from 6.53% Oct 2, 20266.53%▲ from 6.40% Sep 27, 20266.40%▲ from 6.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
7/6 ARM	6.00%	0.000	6.354%
Details Variable rate; may change after account opening; Apply Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.42% → 6.35% ▼ 0.06 pts · high 6.42% / low 6.35% Oct 26, 20266.35%▼ from 6.42% Oct 19, 20266.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
5/6 ARM	5.875%	0.000	6.378%
Details Variable rate; may change after account opening; Apply Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.43% → 6.38% ▼ 0.05 pts · high 6.43% / low 6.38% Oct 26, 20266.38%▼ from 6.43% Oct 19, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
10/6 ARM	6.375%	0.000	6.516%
Details Variable rate; may change after account opening; Apply Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.60% → 6.52% ▼ 0.08 pts · high 6.60% / low 6.52% Oct 26, 20266.52%▼ from 6.60% Oct 19, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
15-Year Fixed Rate	6.625%	0.000	6.712%
Details Mortgage Rates; Apply Online Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 6.21% → 6.71% ▲ 0.50 pts · high 6.96% / low 6.21% Oct 26, 20266.71%▼ from 6.84% Oct 14, 20266.84%▼ from 6.96% Oct 2, 20266.96%▲ from 6.84% Sep 27, 20266.84%▲ from 6.59% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
30-Year Fixed Jumbo	7.125%	0.000	7.143%
Details Jumbo loan; Apply Online Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 6.89% → 7.14% ▲ 0.25 pts · high 7.52% / low 6.89% Oct 26, 20267.14%▼ from 7.39% Oct 14, 20267.39%▼ from 7.52% Oct 1, 20267.52%▲ from 7.39% Sep 27, 20267.39%▲ from 7.14% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
30-Year Fixed Rate	7.125%	0.000	7.18%
Details Mortgage Rates; Apply Online Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 6.93% → 7.18% ▲ 0.25 pts · high 7.56% / low 6.93% Oct 26, 20267.18%▼ from 7.43% Oct 14, 20267.43%▼ from 7.56% Oct 1, 20267.56%▲ from 7.43% Sep 27, 20267.43%▲ from 7.18% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan	-	-	6.00%	To 84 Months
Details TLTV up to 80%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	6.35%	85 to 120 Months
Details TLTV up to 80%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.35% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	6.75%	121 to 180 Months
Details TLTV up to 80%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Flex Lock Home Equity Line of Credit - TLTV	-	-	7.25%
Details Margin: .50; Minimum financing: $5,000; Fixed APR: N/A; Variable APR; Rates are variable and may change after account opening Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	7.75%	181 to 240 Months
Details TLTV up to 80%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	8.25%	To 84 Months
Details TLTV 80.01%-90%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	8.60%	85 to 120 Months
Details TLTV 80.01%-90%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	9.00%	121 to 180 Months
Details TLTV 80.01%-90%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	9.50%	To 84 Months
Details TLTV 90.01%-100%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	9.85%	85 to 120 Months
Details TLTV 90.01%-100%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	10.00%	181 to 240 Months
Details TLTV 80.01%-90%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Flex Lock Home Equity Line of Credit - TLTV 80.01	-	-	10.00%
Details Margin: 3.25; Minimum financing: $5,000; Fixed APR: N/A; Variable APR; Rates are variable and may change after account opening Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Flex Lock Home Equity Line of Credit - TLTV 90.01-1	-	-	10.00%
Details Margin: 3.25; Minimum financing: $5,000; Fixed APR: N/A; Variable APR; Rates are variable and may change after account opening Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	10.25%	121 to 180 Months
Details TLTV 90.01%-100%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan	-	-	11.25%	181 to 240 Months
Details TLTV 90.01%-100%; $5,000 minimum financing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto, Truck, Van & Motorcycle Loans - New & Used (model year 2024 & newer)	-	-	5.64%
Details Minimum/Maximum Financing: Up to 125% of LTV; Fixed APR; Rates accurate as of 10/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Auto, Truck, Van & Motorcycle Loans - Used (model year 2020 - 2023)	-	-	6.04%
Details Minimum/Maximum Financing: Up to 125% of LTV; Fixed APR; Rates accurate as of 10/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Auto, Truck, Van & Motorcycle Loans - Used	-	-	8.34%
Details Minimum/Maximum Financing: Up to 75% of LTV; Fixed APR; Rates accurate as of 10/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Auto, Truck, Van & Motorcycle Loans - Used (model year 2017 - 2019)	-	-	8.34%
Details Minimum/Maximum Financing: Up to 100% of LTV; Fixed APR; Rates accurate as of 10/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Boat & RV Loan	-	7.24%
Details Model year 2023 & newer; Minimum/Maximum Financing: Up to 125% of purchase price including accessories, sales tax, fess, & warranties; Variable APR: N/A Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 14, 20267.24%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Used Boat & RV Loan	-	7.74%
Details Model year 2022 & older; Minimum/Maximum Financing: Up to 125% of book value; Variable APR: N/A Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.74% ▲ 0.50 pts · high 7.74% / low 7.24% Oct 14, 20267.74%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	14.75%
Details Published APR range: 14.75%-18.00%. 0% intro rate first 12 months; regular APR 14.75%-18.00% thereafter Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Platinum Rewards	-	15.75%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Signature	-	15.75%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Platinum Cash Rewards	-	16.75%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 16.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Personal Loan Rates

Product	APR	Term
Solar Panel Loans - 180 Month Loan	9.00%	180 months
Details Maximum financing: $30,000 maximum; LTV up to 125%; Fixed APR; Variable APR N/A; Apply Online Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Signature (up to 12 months) Loan	9.99%	up to 12 months
Details Fixed APR; $50,000 maximum financing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Signature (13-36 months) Loan	10.74%	13-36 months
Details Fixed APR; $50,000 maximum financing Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Signature (37 to 60 months) Loan	11.74%	37 to 60 months
Details Fixed APR; $50,000 maximum financing Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 11.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Readi-Cash Unsecured Line of Credit	13.74%
Details Variable APR; Increments of $100 up to $50,000 maximum Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 10, 202613.74%▲ from 13.49% Sep 18, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Signature	15.75%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Hudson Valley Credit Union’s Texas Ratio stayed near 3.18% in Q1 2026 to 3.35% in Q2 2026, so its financial health has stayed very strong over the past 2 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$8.1B	3.35%	5.0	A+
March 31, 2026	$8.1B	3.18%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Hudson Valley Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Hudson Valley Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hudson Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hudson Valley Credit Union

Website https://www.hvcu.org

Address 137 Boardman Rd, Poughkeepsie, NY 12603

Phone 800-468-3011

Fax 845-463-1032

President Keith Baskett

CEO Jonathan Roberts

Full-Time Employees 1,661

Part-Time Employees 167

Branch Locations 41

ATM Locations 39

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.35%

Return on Assets (ROA)

0.0682%

Return on Equity (ROE)

0.6457%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

8,052,059,769

Total Amount of Shares and Deposits

7,212,931,347

Total Shares and Deposits < 1 Year

6,628,286,832

Total Shares and Deposits 1 3 Years

538,850,646

Total Shares and Deposits > 3 Years

45,793,868

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

678,956,950

Total Uninsured Shares and Deposits > $250K (F+J)

697,270,805

Total Insured Shares and Deposits > $250K (item 17 less item K)

6,515,660,542

Total Interest Expense (Sum of items 6 8)

72,633,920

Share Certificates

65,531

Number of Accounts for Share Drafts

228,109

IRA KEOGH Accounts

18,996

Number of Accounts for Regular Shares

453,735

All other shares

2,567

Non Member Deposits

204

Money Market Shares

11,150

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

325,417,829

Total Liabilities

7,522,191,448

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Hudson Valley Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Hudson Valley Credit Union

Does Hudson Valley Credit Union offer CDs?

Yes. Hudson Valley Credit Union current CD rates include its CD Account 60-Month at 4.10% APY, its CD Account 48-Month at 4.05% APY and its CD Account 36-Month at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Hudson Valley Credit Union NCUA insured?

Yes. Hudson Valley Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Hudson Valley Credit Union?

The highest Hudson Valley Credit Union CD rate is its CD Account 60-Month at 4.10% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Hudson Valley Credit Union offer?

Hudson Valley Credit Union CD rates are 3.88% APY for a 12 month CD, 3.85% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.05% APY for a 4 year CD and 4.10% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Hudson Valley Credit Union for its full lineup.

What is the highest savings rate at Hudson Valley Credit Union?

The highest Hudson Valley Credit Union savings rate is its Premier Savings Accounts at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Hudson Valley Credit Union?

The highest Hudson Valley Credit Union money market rate is its Business Tiered Money Market Accounts at 2.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Hudson Valley Credit Union?

The highest Hudson Valley Credit Union checking rate is its IOLA Business Checking at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Hudson Valley Credit Union?

The lowest Hudson Valley Credit Union 30 year fixed mortgage rate is its 30-Year Fixed Jumbo at 7.125%, verified by MonitorBankRates as of October 30, 2026. Hudson Valley Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.625% for a 15 year mortgage, 5.875% for a 5/6 ARM, 6.00% for a 7/6 ARM and 6.375% for a 10/6 ARM.

What is the lowest auto loan rate at Hudson Valley Credit Union?

The lowest Hudson Valley Credit Union auto loan rate is its Auto, Truck, Van & Motorcycle Loans - New & Used (model year 2024 & newer) at 5.64% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Hudson Valley Credit Union?

The lowest Hudson Valley Credit Union personal loan rate is its Signature (13-36 months) Loan at 10.74% APR, verified by MonitorBankRates as of October 30, 2026. Hudson Valley Credit Union personal loan rates are 10.74% APR for a 36 month personal loan and 11.74% APR for a 60 month personal loan.

What is the lowest credit card APR at Hudson Valley Credit Union?

The lowest Hudson Valley Credit Union credit card APR is its Visa Platinum Credit Card at 14.75% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Hudson Valley Credit Union operate?

Hudson Valley Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Hudson Valley Credit Union?

Yes, to access services at Hudson Valley Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Hudson Valley Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hudson Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Hudson Valley Credit Union offer online and mobile banking?

Most modern institutions like Hudson Valley Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hvcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Hudson Valley Credit Union rates compare?

Hudson Valley Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. Hudson Valley Credit Union's top rates are its CD Account 60-Month at 4.10% APY, its Premier Savings Accounts at 3.25% APY, its Business Tiered Money Market Accounts at 2.25% APY, its IOLA Business Checking at 0.15% APY, its 5/6 ARM at 5.875%, its Solar Panel Loans - 180 Month Loan at 9.00% APR and its Visa Platinum Credit Card at 14.75% APR, verified by MonitorBankRates on October 30, 2026.

Current Hudson Valley Credit Union Rates

12-Month CD3.65%
24-Month CD3.85%
60-Month CD4.10%
Savings3.25%
MMA2.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Hudson Valley Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hudson Valley Credit Union Texas Ratio

Hudson Valley Credit Union Health Trend

Hudson Valley Credit Union CD Rates

Hudson Valley Credit Union Savings Rates

Hudson Valley Credit Union Business Savings Rates

Hudson Valley Credit Union Money Market Rates

Hudson Valley Credit Union Business Money Market Rates

Hudson Valley Credit Union Checking Rates

Hudson Valley Credit Union Business Checking Rates

Hudson Valley Credit Union Mortgage Rates

Hudson Valley Credit Union Home Equity & HELOC

Hudson Valley Credit Union Auto Loan Rates

Hudson Valley Credit Union RV, Boat and Powersport Loan Rates

Hudson Valley Credit Union Credit Card Rates

Hudson Valley Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Hudson Valley Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hudson Valley Credit Union

Does Hudson Valley Credit Union offer CDs?

Are CDs from Hudson Valley Credit Union NCUA insured?

What is the highest CD rate at Hudson Valley Credit Union?

What CD terms does Hudson Valley Credit Union offer?

What is the highest savings rate at Hudson Valley Credit Union?

What is the highest money market rate at Hudson Valley Credit Union?

What is the highest checking rate at Hudson Valley Credit Union?

What is the lowest 30 year fixed mortgage rate at Hudson Valley Credit Union?

What is the lowest auto loan rate at Hudson Valley Credit Union?

What is the lowest personal loan rate at Hudson Valley Credit Union?

What is the lowest credit card APR at Hudson Valley Credit Union?

How many branches does Hudson Valley Credit Union operate?

Is a member application needed to join Hudson Valley Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hudson Valley Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Hudson Valley Credit Union rates compare?

Current Hudson Valley Credit Union Rates

Compare to Other Credit Unions