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%

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Hudson Valley Credit Union

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Hudson Valley Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Hudson Valley Credit Union's top rates as of October 10, 2026 are 4.10% APY on its 60 Month CD, 3.25% APY on savings, 2.25% APY on money market accounts, 0.15% APY on checking, 6.12% on its 5/6 ARM mortgage, personal loans from 9.99% APR, and credit cards from 14.75% APR, according to rates verified by MonitorBankRates. Other Hudson Valley Credit Union CD rates include Business 60-Month CD at 4.10%, 48 Month CD at 4.05%, and Business 48-Month CD at 4.05%. Other Hudson Valley Credit Union mortgage rates include Mortgage - 7/6 ARM at 6.25%, 15-Year Fixed Jumbo at 6.50%, and Mortgage - 10/6 ARM at 6.62%. 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 10/10/2026.

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 Q2 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
60 Month Certificate	4.01%	4.10%	60-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65% Sep 27, 20264.10%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
48 Month Certificate	3.97%	4.05%	48-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60% Sep 27, 20264.05%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
36 Month Certificate	3.92%	4.00%	36-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Sep 27, 20264.00%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
12-Month Flex	3.80%	3.88%	12-Month
Min Deposit $750 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.63% → 3.88% ▲ 0.25 pts · high 3.88% / low 3.63% Oct 10, 20263.88%▲ from 3.63% Sep 14, 20263.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
24 Month Certificate	3.77%	3.85%	24-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
12 Month Certificate	3.58%	3.65%	12-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Sep 27, 20263.65%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
6 Month Certificate	0.49%	0.50%	6-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
8-Month Save Smart	0.49%	0.50%	8-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
3 Month Certificate	0.20%	0.20%	3-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Business CD Rates

Product	Rate	APY	Term
Business 60-Month Certificate	4.01%	4.10%	60 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65% Sep 27, 20264.10%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business 48-Month Certificate	3.97%	4.05%	48 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60% Sep 27, 20264.05%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business 36-Month Certificate	3.92%	4.00%	36 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Sep 27, 20264.00%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business 24-Month Certificate	3.77%	3.85%	24 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business 12-Month Certificate	3.58%	3.65%	12 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Sep 27, 20263.65%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business 6-Month Certificate	0.49%	0.50%	6 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business 3-Month Certificate	0.20%	0.20%	3 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 - Fifth Tier	3.19%	3.25%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts - Fourth Tier	2.71%	2.75%
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts - Third Tier	2.22%	2.25%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts - First Tier	0.02%	0.02%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Premier Savings Accounts - Second Tier	0.02%	0.02%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 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: $250,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 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: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 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: $50,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 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 $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 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: $10,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 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 - Fifth Tier	2.22%	2.25%
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 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 - Fourth Tier	1.98%	2.00%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 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 - Third Tier	1.48%	1.50%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 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 - First Tier	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 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 - Second Tier	0.15%	0.15%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
HSA Checking Account	-	0.02%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 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 Details Balance: $0-$9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 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 Details Balance: $10,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 5/6 ARM	6.125%	0.000	6.478%
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.40% → 6.48% ▲ 0.08 pts · high 6.48% / low 6.40% Oct 10, 20266.48%▲ from 6.45% Oct 1, 20266.45%▲ from 6.40% Sep 27, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Mortgage - 7/6 ARM	6.25%	0.000	6.483%
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.42% → 6.48% ▲ 0.06 pts · high 6.49% / low 6.42% Oct 10, 20266.48%▼ from 6.49% Oct 1, 20266.49%▲ from 6.42% Sep 27, 20266.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
15-Year Fixed Jumbo	6.50%	0.000	6.529%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Mortgage - 10/6 ARM	6.625%	0.000	6.658%
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.63% → 6.66% ▲ 0.03 pts · high 6.75% / low 6.63% Oct 10, 20266.66%▼ from 6.75% Oct 1, 20266.75%▲ from 6.63% Sep 27, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
15-Year Fixed Rate	6.875%	0.000	6.963%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.96% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
30-Year Fixed Jumbo	7.375%	0.000	7.394%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
30-Year Fixed Rate	7.375%	0.000	7.431%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.43% APR 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
Home Equity To 84 Months TLTV	-	-	6.00%	84 Months
Details Additional APR listed for this product: 8.25%. $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity 85 to 120 Months TLTV	-	-	6.35%	120 Months
Details Additional APR listed for this product: 8.60%. $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity 121 to 180 Months TLTV	-	-	6.75%	180 Months
Details Additional APR listed for this product: 9.00%. $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Flex Lock Home Equity Line of Credit	-	-	7.25%
Details TLTV up to 80%, .50 Margin Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 2, 20267.25%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity 181 to 240 Months TLTV	-	-	7.75%	240 Months
Details Additional APR listed for this product: 10.00%. $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity To 84 Months TLTV 90.01%-1	-	-	9.50%	84 Months
Details $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity 85 to 120 Months TLTV 90.01%-1	-	-	9.85%	120 Months
Details $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Flex Lock Home Equity Line of Credit	-	-	10.00%
Details TLTV 80.01- 90%, 3.25 Margin Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Oct 2, 202610.00%▲ from 9.75% Sep 18, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity 121 to 180 Months TLTV 90.01%-1	-	-	10.25%	180 Months
Details $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity 181 to 240 Months TLTV 90.01%-1	-	-	11.25%	240 Months
Details $5,000 minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Cards	-	14.75%
Details Published APR range: 14.75% to 18.00%. Rates are accurate as of 10/01/2026 and are subject to change without notice. Rates are variable and may change after account opening. ADR= Annual Dividend Rate The fee for cash advances is 3% of advance amount. The fee for international transactions for the Visa Platinum Card, Visa Platinum Rewards Card, and Visa Platinum Cash Rewards Card is equal to the exchange rate + 1% of the transaction. Visa Signature Card has no foreign transaction fee. Balance transfer fee is $0 for purchases posted through before January 15, 2027. After January 15, 2027, a balance transfer fee of 2.50% of the amount of each transfer will apply. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 14.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Platinum	-	14.75%
Details Published APR range: 14.75%-18.00%. Intro rate: 0%; Regular APR: 14.75%-18.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Platinum Rewards	-	15.75%
Details Regular APR: 15.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Signature	-	15.75%
Details Regular APR: 15.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa Platinum Cash Rewards	-	16.75%
Details Regular APR: 16.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Personal Loan Rates

Product	APR	Term
Signature (up to 12 months) Loan	9.99%	up to 12 months
Details $50,000 maximum Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 2 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 $50,000 maximum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.74% APR 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 $50,000 maximum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Readi-Cash Unsecured Line of Credit	13.74%
Details Increments of $100 up to $50,000 maximum Last Updated 10/10/2026 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%
Details Regular APR: 15.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Hudson Valley Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New & Used (model year 2024 & newer) Loan	-	-	5.64%
Details Up to 125% of LTV Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Solar Panel Loans - 180 Month Loan LTV up to 125%	-	-	9.00%	180 Month
Details $30,000 maximum Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Used (model year 2017 - 2019) Loan	-	-	8.34%
Details Up to 100% of LTV Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Used (model year 2020 - 2023) Loan	-	-	6.04%
Details Up to 125% of LTV Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.04% APR 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.
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

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

Q2 2026 MBR Health & Safety Badge

Hudson Valley Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Hudson Valley Credit Union

Frequently Asked Questions About Hudson Valley Credit Union

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.

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 October 2026

Brian McKay

Overall Health & Safety Grade

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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

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?

Current Hudson Valley Credit Union Rates

Compare to Other Credit Unions