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Sallie Mae Smart Option Student Loan Now Available

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Is Leasing Right For You?

  • If you drive less than 15,000 miles per year, leasing may be the right choice for you

Transfirst Payment Processing

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  • Offer expires August 31st

Buying Your New Home

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Savings/Certificate RatesAll Savings Rates

6 Months
Certificate APY
12 Months
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24 Months
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Mortgage RatesAll Mortgage Rates

30-Year Fixed Rate, 0 points
3.375% Rate
3.412% APR
15-Year Fixed Rate, 0 points
2.750% Rate
2.780% APR
FHA 30-Yr Fixed Rate, 0 points
3.375% Rate
4.058% APR

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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

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Points of Interest

  • Elder Financial Abuse: Things to Know

    Abuse of senior citizens occurs when a person’s money or assets are used without their knowledge or contrary to their wishes. If you or someone in your care has experienced any of the following, financial abuse may have occurred:

    • Money has been taken out of an account without authorization or knowledge.
    • Important items, such as valuable collections, art work, jewelry, blank checks, cash, are missing.
    • Charges appear on credit cards or payments are made with debit cards without authorization.
    • People do not provide services that have been paid for, such as caregiving, vehicle repair, housekeeping, home improvement, financial management, etc.
    • Unauthorized use of names or social security numbers to open or changes to accounts has occurred.
    • Unauthorized changes were made to documents such as trusts, wills, power of attorneys (POA) or other personal documents.
    • Misuse of the POA.

    Who is a Victim?

    Not all senior citizens are victims; however, those who live alone or are isolated in some way are often targeted. Additionally, people with physical or mental disability, or the lack of familiarity with financial matters and the electronic financial technology that is associated with them often become victims. Research indicates the most probable victim is a white female who is over the age of 70 and lives alone. Awareness, a good dose of common sense, and an active social life can keep people safe from becoming victims and reduce the risk of financial abuse.

    Who is an Abuser?

    Anyone who has “undue influence” over a vulnerable person. In most instances, this is a trusted person, such as a family member, a neighbor, an attorney, a caretaker, a boyfriend or girlfriend, a wife or husband, etc. A complete stranger may trick or convince an unsuspecting victim into doing something they don’t totally understand, or coerce them into doing something they don’t want to do.

    What are Some Warning Signs?

    The following are warning signs that may indicate financial abuse:

    • Unpaid bills, eviction notices, or notices to discontinue utilities
    • Receiving unusual and multiple late payment notices
    • Withdrawals from bank accounts or transfers between accounts that the older person cannot explain
    • Bank statements and canceled checks no longer come to the home address
    • New “best friends” appear with an unusual amount of influence
    • Legal documents, such as powers of attorney, wills, and trusts, which the older person didn’t understand at the time he or she signed them
    • Unusual activity in the older person’s bank accounts including large, unexplained withdrawals, frequent transfers between accounts, or ATM withdrawals

    Other signs may include:

    • Mood changes
    • Unwillingness to make eye contact with financial institution employees.
    • Changes in appearance and grooming.
    • Physically withdrawing or cringing around certain people.
    • Nervousness or fear of people accompanying them.
    • When a person accompanying the senior citizen will not allow the senior to speak for themselves.

    What Can You Do to Help?

    If you or someone you know is the victim of financial abuse:

    1. Contact Adult Protective Services (APS) in your county – (Some counties list this service as Protective Services for Adults (PSA)) The law requires APS to conduct an investigation whenever it receives oral or written information concerning a person who is thought to be in need of protective services. PSA must accept all referrals made within normal working hours. Hopefully, intervention will eliminate the client’s need for future protective services.
    2. Notify the police. Authorities have stated that only 25 percent of victims will report financial abuse.Many people fail to report it because they may be embarrassed or they have a close relationship with the abuser. Sometimes they do not want to hurt the abuser (especially if it is a relative or close friend), or they don’t want anyone to know they are having difficulty living alone. In some instances, they may not even know they are being abused. Notify police especially if you suspect physical, mental, or emotional abuse along with financial abuse.

    What Does HVFCU Do to Help?

    At HVFCU we train our employees to be aware of financial abuse and how to properly help our members who may be victims. In fact, we are required by law to report any abuse we see at our financial institution.

    We offer Financial Abuse Prevention workshops to community groups in the four counties we serve. There is no charge for this service and feel free to send an email to [email protected] to schedule a presentation for your organization.

  • Defensive Driving Class

    HVFCU Insurance Agency is offering a defensive driving classes in April.

  • A Night of Family Fun & Hudson Valley Renegades Baseball for $7

    Get discounted tickets to select Renegades home games just for being an HVFCU member.

  • 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.

  • Discounted NY Yankees Tickets

    We are pleased to offer Yankees ticket savings to our members and employees

  • 2016 Shredder Truck & Electronic Recycling Events

    View the list of events scheduled through the end of the year.

  • 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
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