Hudson Valley Federal Credit Union
Headquarters
P.o. Box 1071
Poughkeepsie, NY 12602
See all branch locations →
Phone 1-845-463-3011
2024 Overview
General Credit Union Information
Hudson Valley is an NCUA insured institution located in Poughkeepsie, NY. It was founded in 1963 and has approximately $5267.56 millions in assets.
Who can join?
If you live, work, worship, volunteer, or attend school in Dutchess, Ulster, Orange, or Putnam County, you are eligible for membership.
Once you join, members of your immediate family or household are also eligible to join.
If your name appears as a joint owner on another member’s account and you do not have a primary account of your own, you are not yet a member— but you are eligible to join.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 15802 |
| Date Established | 1963 |
| Assets | $5,267.56 million |
| Loans | $3,044.89 million |
| Deposits | $4,644.56 million |
| Capital | $566.10 million |
Field of Membership Restrictions
Membership in Hudson Valley Federal Credit Union is open to those who live, work, volunteer, worship, or attend school in Dutchess, Ulster, Orange, or Putnam Counties in New York.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
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Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.75% | 5.75% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
4.85% | 4.85% | $1,053.34 | |
| 15 Year Loan
See Table |
5.85% | 5.85% | $835.77 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.74% | 2.74% | $724.17 | |
| 4 Year | 2.74% | 2.74% | $550.49 | |
| 5 Year | 2.74% | 2.74% | $446.33 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
7.95% | 7.13% | $2,156.98 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.95% | 7.13% | $2,156.98 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.82% | 7.25% | $2,182.96 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.81% | 7.25% | $2,182.96 | |
| 15 Year Fixed Jumbo See Amortization Table |
7.04% | 7.00% | $2,876.25 | |
| 15 Year Fixed Conforming See Amortization Table |
7.09% | 7.00% | $2,876.25 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.44% | 7.38% | $2,554.47 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
7.95% | 7.13% | $2,156.98 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.95% | 7.13% | $2,156.98 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.82% | 7.25% | $2,182.96 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.81% | 7.25% | $2,182.96 | |
| 15 Year Fixed Jumbo See Amortization Table |
7.04% | 7.00% | $2,876.25 | |
| 15 Year Fixed Conforming See Amortization Table |
7.09% | 7.00% | $2,876.25 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.44% | 7.38% | $2,554.47 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Hudson Valley 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:
Columbus,Ohio
Climate Policy and Initiatives
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Financial Details
Hudson Valley Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Hudson Valley. 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 Valley | U.S. Average |
|---|---|
| 3.78% | 6.97 |
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 December 31, 2023, Hudson Valley had $21,954,103 in non-current loans and $459,937 in owned assets. To cover these potential losses it had $566,096,079 in net worth and $27,056,400 in loans loss reserves. That gives it a Texas Ratio of 3.78%.
Net Worth
| Hudson Valley | U.S. Average |
|---|---|
| 11.05% | 13.62% |
Hudson Valley FCU has a net worth of 11.05% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Hudson Valley
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