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ratesall savings rates 6 months certificate apy .35 % 12 months certificate apy .50 % 24 months certificate apy .90 % view disclosures mortgage ratesall mortgage rates 30 year fixed rate 0 points 3.500 % rate 3.537 % apr 15 year fixed rate 0 points 2.750 % rate 2.780 % apr fha 30 yr fixed rate 0 points 3.500 % rate 4.186 % apr view disclosures loan ratesall loan rates new used vehicle fixed apr as low as 2.24 % 2 readi cash loc variable apr as low as 7.24 % 3 home equity loc variable apr as low as 3.25 % 4 view disclosures points of interest annual board of director elections if you are interested in serving your credit union in a volunteer capacity now is your opportunity it s election time for our board of directors . helpful tips to reduce fraud you can help reduce fraud by making it a habit to actively review your account periodically especially when you receive your statements . how a business line of credit can help manage cash flow your business should always have savings on hand however there are times when it may not be enough to meet your cash flow needs . home equity loans why now is a good time to refinance refinancing your home equity even if you took it out just a few short years ago could add up to substantial savings . marist college graduate virtual information sessions marist college is holding virtual information sessions for prospective students to learn about their graduate programs . servicemembers civil relief act the servicemembers civil relief act scra gives relief to individuals who are called to active duty in any branch of the military . monitor visa authorizations with visa alerts available on visa debit and credit cards . three surprising reasons to refinance your auto loan most people don t think about refinancing a vehicle but it s a great way to save money . protecting debit & credit cards from fraudulent charges transactions can be declined as part of our security measures to protect you from fraudulent charges . defensive driving class hvfcu insurance agency is offering a defensive driving classes in september . out of area travel reminder for debit & credit cardholders use the my travel dates feature within internet banking to inform us of your travel plans . magic call system enhancements it is now even easier to obtain balance and account history with magic . accidental death and dismemberment coverage your membership gives you access to trustage insurance products like accidental death & dismemberment coverage . transforming your home from house to haven the one trend that never goes out of style is the way we want to feel at home comfortable cozy and relaxed . important notice about hvfcu s overdraft protection program beginning may 1 2016 a 3.00 fee will be charged for each overdraft made from a savings account to a checking account . hvfcu owned properties for sale click through to see our current list of properties for sale . buying a home a little preparation goes a long way view advice to make your process smooth and hassle free . card compromise frequently asked questions if you have a card that was involved in a compromise please review our frequently asked questions for additional information . 2016 hudson valley federal credit union po box 1071 poughkeepsie ny 12602 1071 ph 845.463.3011 800.468.3011 routing number 221979363 hvfcu prepaid visa routing number click here hvfcu prepaid visa routing number 021984532 terms of use privacy policy site map hvfcu is federally insured by the ncua equal housing lender unauthorized access warning access to internet banking is restricted to authorized hvfcu members only . you are now leaving hudson valley federal credit union s web site . hudson valley federal credit union does not control external links and can not guarantee the relevance timeliness or accuracy of the materials provided by other agencies or organizations . accept or cancel trusted partner link notice copy would go here . accept or cancel