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It’s About Membership

If you live, work, worship, volunteer or attend school in Dutchess, Ulster, Orange, or Putnam County, you are eligible for membership.

We are member-owned, and therefore, exist to serve the financial needs of our members. There are no stockholders who profit. Everything we do is reinvested in our membership.

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Membership Overview

To establish membership, use our online application, or stop into any branch. Once you join, you’ll discover what other members already know—that HVFCU membership offers the most affordable options to help you save, borrow, and manage your finances.

Membership is established by opening a primary savings account in your name with as little as $5. You can visit one of our branches, or simply use our online application to join (must be age 18 or over to join online).

What to Expect When Opening Your Accounts Online

  • If you open an account outside of normal business hours, it will appear in your accounts list the following business day.
  • You can open accounts online with joint members.
  • If you establish your membership online, you are required to open a primary savings account in addition to any other savings, checking, tiered money market, or certificate accounts you may choose to open.
  • When you become a member, we request that you complete our Signature Verification Card so that we have your signature on file for verification purposes.
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Member Rewards Program

All members enjoy standard benefits, like free Internet Banking, Mobile Banking, Bill Pay, eStatements, Financial Services consultations,insurance checkups, and more. But those members who have an HVFCU free checking account and Visa® Debit Card truly maximize their membership benefits.1

 

Members who have an HVFCU checking account and Visa Debit Card receive:

  • 15 free Non-HVFCU ATM transactions a month 2
  • 2 free boxes of HVFCU custom checks annually
  • Free replacement Visa Debit Cards and Visa Credit Cards
  • 25 free check copies annually
  • 25 free statement copies annually
  • Free official checks and money orders
  • Free check protests / collections
  • Free guaranteed checks

Useful Resources

Stay up-to-date with the latest product and promotional news, and learn about special events like seminars, defensive driving classes, VIN etch days, and more.

News & Events

1 Members with an account other than checking, or those with a checking account but no Visa Debit Card, will receive 25 check copies annually, 25 statement copies annually, one box of HVFCU custom checks annually, and 8 ATM transactions at non-HVFCU ATMs monthly. Business and club/organization accounts do not qualify for these benefits.

2ATM owner may assess a surcharge.

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