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 Hudson Valley Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Hudson Valley Credit Union's 24 Month CD rates are at 3.85%, Business 24-Month CD rates are at 3.85%, 60 Month CD rates are at 3.65%, Business 60-Month CD rates are at 3.65%, 12-Month Flex rates are at 3.63%. Hudson Valley Credit Union's savings rates are at 0.02%. Hudson Valley Credit Union's money market rates are at 0.15%. Hudson Valley Credit Union's 15-Year Fixed Jumbo rates are at 6.12%, Mortgage Rates - 5/6 ARM rates are at 5.88%, Mortgage Rates - 7/6 ARM rates are at 6.00%, Mortgage Rates - 10/6 ARM rates are at 6.38%, 15-Year Fixed Rate rates are at 6.50%. Hudson Valley Credit Union's Personal Loan Rates are as low as 9.99%. Hudson Valley Credit Union's Credit Card Rates are at 14.75%. 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 3.40%. Rates last updated and verified on 09/22/2026. 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. 
Hudson Valley Credit Union CD Rates
Hudson Valley Credit Union Savings Rates
Hudson Valley Credit Union Money Market Rates
Hudson Valley Credit Union 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
Hudson Valley Credit Union Other Rates
Financial Health HistoryHudson Valley Credit Union’s Texas Ratio rose from 2.78% in Q2 2023 to 3.40% in Q4 2025, so its financial health has stayed very strong over the past 11 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
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MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Jay Pantaleo
CEO
Jonathan Roberts
Full-Time Employees
1,084
Part-Time Employees
42
Branch Locations
41
ATM Locations
40
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.40%
Return on Assets (ROA)
0.1939%
Return on Equity (ROE)
1.8591%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
8,076,823,285
Total Amount of Shares and Deposits
7,137,423,680
Total Shares and Deposits < 1 Year
6,438,546,425
Total Shares and Deposits 1 3 Years
661,881,224
Total Shares and Deposits > 3 Years
36,996,031
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
664,166,830
Total Uninsured Shares and Deposits > $250K (F+J)
683,991,124
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,453,432,556
Total Interest Expense (Sum of items 6 8)
162,296,179
Share Certificates
68,061
Number of Accounts for Share Drafts
225,740
IRA KEOGH Accounts
19,154
Number of Accounts for Regular Shares
450,715
All other shares
2,534
Non Member Deposits
226
Money Market Shares
11,815
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)
483,015,352
Total Liabilities
7,541,821,307
Source: NCUA — Last Updated 12/31/2025
Customer Reviews
There are no reviews for Hudson Valley Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Hudson Valley Credit Union
Frequently Asked Questions About Hudson Valley Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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