Middletown, NY 10941


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 3962
Date Established 1940
Assets $421.27 million
Loans $356.66 million
Deposits $370.22 million
Capital $38.54 million

Hudson Heritage is an NCUA insured institution located in Middletown, NY. It was founded in 1940 and has approximately $421.27 millions in assets.

Who can join?

Persons who live, work, worship, volunteer or attend school in, and businesses and other legal entities located in Orange, Dutchess or Ulster Counties, New York and their families, may become members of Hudson Heritage Federal Credit Union. Membership ensures full access to all credit union products and services.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school or volunteer in Orange, Ulster or Dutchess County, New York.

Deposit Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $2,500 $19,999 Learn MoreShow Less
Money Market
0.30% $20,000 $49,999 Learn MoreShow Less
Fixed IRA
1.51% $500 - Learn MoreShow Less
Special: 7 Mo FIRA
2.25% $500 $250,000 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.85% $500 - Learn MoreShow Less
Special: 7 Mo CD
2.25% $500 $250,000 Learn MoreShow Less
12 Mo CD
1.51% $500 - Learn MoreShow Less
24 Mo CD
1.76% $500 $29,999 Learn MoreShow Less
36 Mo CD
1.96% $500 $29,999 Learn MoreShow Less
48 Mo CD
2.73% $500 $29,999 Learn MoreShow Less
60 Mo CD
2.98% $500 $29,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HUDSON HERITAGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More
First Internet Bank
NMLS ID: 424182
3.767% 3.750% 0.25 $505 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Hudson Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Hudson Heritage Locations

Financial Details

Hudson Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hudson Heritage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Hudson Heritage U.S. Average
10.19% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Hudson Heritage had $3,754,289 in non-current loans and $536,866 in owned assets. To cover these potential losses it had $38,541,194 in net worth and $3,564,782 in loans loss reserves. That gives it a Texas Ratio of 10.19%.

Net Worth
Hudson Heritage U.S. Average
9.14% 13.47%

Hudson Heritage FCU has a net worth of 9.14% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Hudson Heritage

Branches and Savings

What is Hudson Heritage?

A federal credit union, registered with the NCUA under certificate #3962.
Learn more about credit unions here.

Is Hudson Heritage FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Hudson Heritage?

Please see Field of Membership information above for information on who is eligible to join.

What are Hudson Heritage's share account and share certificate rates?

Hudson Heritage's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Hudson Heritage?

Hudson Heritage has total capital of $38.54 million. Full information on Hudson Heritage's financial position is located above.

Who owns Hudson Heritage?

Credit Unions are owned by their members.

Where are Hudson Heritage branches located?

See branch locations nearby.

Are Hudson Heritage ATMs Open 24/7?

Do Hudson Heritage ATMs accept cash deposits?

Can Hudson Heritage customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Hudson Heritage have a mobile app?

Does Hudson Heritage have mobile deposit?

Does Hudson Heritage have quick pay?

How can Hudson Heritage transfer money to other banks or credit unions?

Does Hudson Heritage report to credit bureaus?

Does Hudson Heritage use Chexsystems?

Does Hudson Heritage use Equifax?

What is Hudson Heritage's toll free phone number?

What is Hudson Heritage's ACH Routing Number?

What is Hudson Heritage's SWIFT code?

Where can I find Hudson Heritage's wire transfer form?

What is the Hudson Heritage address for deposits?

What Products Does Hudson Heritage Offer

Does Hudson Heritage offer mortgages?

Compare mortgage rates here.

Does Hudson Heritage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hudson Heritage offer auto and RV loans?

Compare auto loan rates here.

Does Hudson Heritage offer student loans or personal loans?

Compare personal loan rates here.

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