What are the current interest rates at Mid-Hudson Valley Federal Credit Union?

Current rates for Mid-Hudson Valley Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.75%, 60-Month CD: 3.00%, Savings: 0.05%, MMA: 0.05%

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Mid-Hudson Valley Federal Credit Union

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Mid-Hudson Valley Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Mid-Hudson Valley Federal Credit Union's 13 Month CD rates are at 3.85%, 13 Month Promotion CD rates are at 3.85%, IRA CD - 13 Month Promotion rates are at 3.85%, 24 Month CD rates are at 3.75%, 24 Month CD rates are at 3.75%. Mid-Hudson Valley Federal Credit Union's savings rates are at 0.05%. Mid-Hudson Valley Federal Credit Union's money market rates are at 0.05%. Mid-Hudson Valley Federal Credit Union's Biweekly 15 Year Fixed rates are at 5.75%, 15 Year Fixed Rate rates are at 6.00%, 30 Year Fixed Rate rates are at 7.00%, 20 Year Fixed Rate rates are at 7.00%, Biweekly 30 Year Fixed rates are at 7.00%. Mid-Hudson Valley Federal Credit Union's Personal Loan Rates are as low as 7.49%. Mid-Hudson Valley Federal Credit Union's Credit Card Rates are at 13.00%. MonitorBankRates evaluates the financial stability of Mid-Hudson Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates last updated and verified on 09/21/2026.

Mid-Hudson Valley Federal 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 Mid-Hudson Valley Federal Credit Union? Share your experience about Mid-Hudson Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mid-Hudson Valley Federal 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

3.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mid-Hudson Valley Federal Credit Union
Credit Union Center

1099 Morton Blvd
Kingston, NY 12401

https://mhvfcu.com

Mid-Hudson Valley Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate	-	3.85%	13 Month Certificate
Min Deposit $500 Details Minimum: $500 minimum opening deposit; APY assumes principal and dividends remain on deposit for the term of the certificate. Substantial fees and penalties will be imposed for early withdrawal which could reduce earning on the account. Dividends are compounded daily and credited monthly. APY is only available at listed terms, is offered at MHV's discretion and may be changed or discontinued at any time. 13 month product will automatically renew to a 12 month term and 9 and 24 month products will automatically renew, at the then current fixed rates, respectively. Promotion limited to MHV members in good standing. Membership extends to anyone who lives, works, worships, volunteers or attends school in Orange, Westchester, Sullivan, Putnam, Rockland, Ulster and Dutchess counties. Terms and conditions apply, inquire for details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
13 Month Promotion Certificate	3.78%	3.85%	13 Month Promotion
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 13 Month Promotion	3.78%	3.85%	13 Month Promotion
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 Month Certificate	3.68%	3.75%	24 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 Month Certificate	-	3.75%	24 Month Certificate
Min Deposit $500 Details Minimum: $500 minimum opening deposit; APY assumes principal and dividends remain on deposit for the term of the certificate. Substantial fees and penalties will be imposed for early withdrawal which could reduce earning on the account. Dividends are compounded daily and credited monthly. APY is only available at listed terms, is offered at MHV's discretion and may be changed or discontinued at any time. 13 month product will automatically renew to a 12 month term and 9 and 24 month products will automatically renew, at the then current fixed rates, respectively. Promotion limited to MHV members in good standing. Membership extends to anyone who lives, works, worships, volunteers or attends school in Orange, Westchester, Sullivan, Putnam, Rockland, Ulster and Dutchess counties. Terms and conditions apply, inquire for details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 24 Month	3.68%	3.75%	24 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
9 Month Certificate	3.44%	3.50%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
9 Month Certificate	-	3.50%	9 Month Certificate
Min Deposit $500 Details Minimum: $500 minimum opening deposit; APY assumes principal and dividends remain on deposit for the term of the certificate. Substantial fees and penalties will be imposed for early withdrawal which could reduce earning on the account. Dividends are compounded daily and credited monthly. APY is only available at listed terms, is offered at MHV's discretion and may be changed or discontinued at any time. 13 month product will automatically renew to a 12 month term and 9 and 24 month products will automatically renew, at the then current fixed rates, respectively. Promotion limited to MHV members in good standing. Membership extends to anyone who lives, works, worships, volunteers or attends school in Orange, Westchester, Sullivan, Putnam, Rockland, Ulster and Dutchess counties. Terms and conditions apply, inquire for details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 9 Month	3.44%	3.50%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month Jumbo Certificate	3.30%	3.35%	12 Month Jumbo
Min Deposit $100,000 Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month Certificate	3.20%	3.25%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month VIP - Variable Certificate	3.20%	3.25%	12 Month
Min Deposit $25,000 Min Balance $25,000 Details Term: 12 Month VIP - Variable Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 Month Certificate	3.20%	3.25%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 12 Month	3.20%	3.25%	12 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 18 Month	3.20%	3.25%	18 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 Month Jumbo Certificate	3.05%	3.10%	6 Month Jumbo
Min Deposit $100,000 Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
30 Month Certificate	2.96%	3.00%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 Month Certificate	2.96%	3.00%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 Month Certificate	2.96%	3.00%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 Month Certificate	2.96%	3.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Certificate	2.96%	3.00%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 30 Month	2.96%	3.00%	30 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 36 Month	2.96%	3.00%	36 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 48 Month	2.96%	3.00%	48 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate - 60 Month	2.96%	3.00%	60 Month
Min Deposit $100 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.72%	2.75%
Min Deposit $1,000,000 Min Balance $1,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	2.47%	2.50%
Min Deposit $300,000 Min Balance $300,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	2.23%	2.25%
Min Deposit $100,000 Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	1.00%	1.00%
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $200,000 Details Balance: $200,000 - $299,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $300,000 Details Balance: $300,000 - $399,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $400,000 Details Balance: $400,000 - $499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.20%	0.20%
Min Deposit $25,000 Min Balance $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Checking Rates

Product	Rate	APY
Checking	0.15%	0.15%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Checking	0.15%	0.15%
Min Deposit $0 Min Balance $200,000 Details Balance: $200,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Checking	0.10%	0.10%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Biweekly 15 Year Fixed	5.75%	-	5.76%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
15 Year Fixed Rate	6.00%	-	6.02%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
30 Year Fixed Rate	7.00%	-	7.06%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
20 Year Fixed Rate	7.00%	-	7.08%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Biweekly 30 Year Fixed	7.00%	-	7.10%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Equity Loan (5 Year)	6.50%	-	6.50%	5 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Fixed Equity Loan (10 Year)	6.75%	-	6.75%	10 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Fixed Equity Loan (15 Year)	7.00%	-	7.00%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Fixed Equity Loan (20 Year)	7.25%	-	7.25%	20 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Up to 10 Year Term	8.00%	-	8.00%	Up to 10 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car, Truck, and Motorcycle Loan	-	-	4.74%	1-36 Months Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
New Car, Truck, Motorcycle Loan	-	-	5.44%	37-66 Months Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
New Car, Truck, Motorcycle Loan	-	-	5.54%	67-72 Months Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Car & Vehicle - 1-36 Months Term Loan	-	-	5.64%	36 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Car & Vehicle - 37-66 Months Term Loan	-	-	5.64%	66 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Car & Vehicle - 67-72 Months Term Loan	-	-	6.04%	72 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
New Car, Truck, Motorcycle Loan	-	-	6.29%	73-84 Months Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Car & Vehicle - 73-84 Months Term Loan	-	-	6.39%	84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Car & Vehicle - 1-36 Months Term Loan	-	-	7.25%	36 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Car & Vehicle - 34-48 Months Term Loan	-	-	7.75%	48 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Car & Vehicle - 49-60 Months Term Loan	-	-	8.25%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV, Boat & ATV Loans	-	7.25%	36 months
Details Rates as low as:; Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	13.00%
Details Published APR range: 13.00% to 18.00%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Signature Rewards	-	14.00%
Details Published APR range: 14.00% to 18.00%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Platinum Business	-	16.50%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.49%	0-47 Months Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Personal Loan	8.49%	48-60 Months Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Personal Line of Credit - Up to 60 Months Term	12.99%	Up to 60 Months Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Signature Rewards	14.00%
Details Published APR range: 14.00% to 18.00%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Mid-Hudson Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
10 Year Adjustable Rate Loan	6.00%	-	6.46%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
5 Year Adjustable Rate Loan	5.63%	-	6.64%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
7 Year Adjustable Rate Loan	5.75%	-	6.51%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity 5 or 10 Year Draw/ 15 Year Repayment	3.99%	-	3.99%
Details Up to $175,000 \| Rate stated as: 3.99% for 6 months, then Prime - 0.25%* Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
SONYMA Loan	6.00%	-	6.01%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Mid-Hudson Valley Federal Credit Union’s Texas Ratio rose from 1.77% in Q2 2023 to 3.16% in Q1 2026, so its financial health has stayed very strong over the past 12 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
March 31, 2026	$1.7B	3.16%	5.0	A+
December 31, 2025	$1.7B	3.35%	5.0	A+
September 30, 2025	$1.6B	3.48%	5.0	A+
June 30, 2025	$1.6B	2.75%	5.0	A+
March 31, 2025	$1.6B	2.05%	5.0	A+
December 31, 2024	$1.6B	2.40%	5.0	A+
September 30, 2024	$1.5B	1.92%	5.0	A+
June 30, 2024	$1.5B	4.57%	5.0	A+
March 31, 2024	$1.4B	2.48%	5.0	A+
December 31, 2023	$1.4B	2.40%	5.0	A+
September 30, 2023	$1.4B	1.91%	5.0	A+
June 30, 2023	$1.4B	1.77%	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 Mid-Hudson Valley Federal 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 Mid-Hudson Valley Federal 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 Mid-Hudson Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mid-Hudson Valley Federal Credit Union

Website https://mhvfcu.com

Address 1099 Morton Blvd, Kingston, NY 12401

Phone 845-336-4444

Fax 845-336-6925

President Gary Anderson

CEO Razi Qadri

Full-Time Employees 259

Part-Time Employees 27

Branch Locations 13

ATM Locations 1

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

3.16%

Return on Assets (ROA)

0.1032%

Return on Equity (ROE)

1.0571%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

1,676,429,706

Total Amount of Shares and Deposits

1,503,298,944

Total Shares and Deposits < 1 Year

1,434,470,822

Total Shares and Deposits 1 3 Years

64,765,215

Total Shares and Deposits > 3 Years

4,062,907

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

119,930,039

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

119,930,039

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

1,383,368,905

Total Interest Expense (Sum of items 6 8)

5,357,530

Share Certificates

11,839

Number of Accounts for Share Drafts

57,425

IRA KEOGH Accounts

3,289

Number of Accounts for Regular Shares

110,780

All other shares

1,445

Money Market Shares

1,348

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)

154,443,792

Total Liabilities

1,520,412,061

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Mid-Hudson Valley Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Mid-Hudson Valley Federal Credit Union

How many branches does Mid-Hudson Valley Federal Credit Union operate?

Mid-Hudson Valley Federal 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 Mid-Hudson Valley Federal Credit Union?

Yes, to access services at Mid-Hudson Valley Federal 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, Mid-Hudson Valley Federal 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, Mid-Hudson Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mid-Hudson Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Mid-Hudson Valley Federal 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://mhvfcu.com.

Current Mid-Hudson Valley Federal Credit Union Rates

12-Month CD3.25%
18-Month CD3.25%
24-Month CD3.75%
60-Month CD3.00%
Savings0.05%
MMA0.05%

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

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Mid-Hudson Valley Federal Credit Union Rates & Review September 2026

Brian McKay

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Financial Health History

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Credit Union Profile & Overview

Financials

Mid-Hudson Valley Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mid-Hudson Valley Federal Credit Union

How many branches does Mid-Hudson Valley Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mid-Hudson Valley Federal Credit Union offer online and mobile banking?

Current Mid-Hudson Valley Federal Credit Union Rates

Compare to Other Credit Unions