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Hudson Valley Federal Credit Union Loan Rates

Vehicles

Auto, Truck, Van, & Motorcycle Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
New & Used (model year 2017 & newer) Up to 125% of LTV 2.74% 1 2 N/A Apply Online
Used (model year 2013 - 2016) Up to 125% of LTV 3.54% 1 2 N/A Apply Online
Used (model year 2010 - 2012 & vintage/classic vehicles 25 yrs+) Up to 100% of LTV 5.94% 1 2 N/A Apply Online

Boat & RV Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
New Boat & RV (never titled, less than 5,000 miles) Up to 90% of purchase price including accessories, sales tax, fees, & warranties 7.00% 1 2 N/A Apply Online
Used Boat & RV Up to 90% of book value 7.25% 1 2 N/A Apply Online
Rates are accurate as of 07/18/2019 and are subject to change without notice. APR = Annual Percentage Rate
Personal Loans & Credit Cards

Visa Credit Cards 3

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Visa Platinum Rewards $30,000 maximum N/A 14.50% 1 Apply Online
Visa Platinum $30,000 maximum N/A 13.50% 1 Apply Online
Visa Signature $30,000 maximum N/A 15.50% 1 Apply Online

Personal Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Readi-Cash Unsecured Line of Credit Increments of $100 up to $30,000 maximum N/A 9.99% 1 2 Apply Online
Signature (up to 36 months) 4 $30,000 maximum 7.74% 1 2 N/A Apply Online
Signature (37 to 60 months) 4 $30,000 maximum 8.74% 1 2 N/A Apply Online
Personal Assistance Loan (6 months) 5 $200 minimum / $1,000 maximum 25.00% N/A Apply Through Internet/Mobile Banking
Rates are accurate as of 07/18/2019 and are subject to change without notice. APR = Annual Percentage Rate
Other Loans

Secured Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Pledge of Certificate Account 100% of certificate balance ADR+3% 6 N/A Apply Online
Pledge of Savings 100% of savings balance ADR+3% 6 N/A Apply Online
Savings Secured Line of Credit Increments of $100 up to 100% of savings balance N/A ADR+3% 6 Apply Online
Rates are accurate as of 07/18/2019 and are subject to change without notice. APR = Annual Percentage Rate
Home Equities

Variable Rate Interest Only Home Equity Lines of Credit 7

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
TLTV up to 80%, 0.00 Margin $5,000 / $250,000 N/A Introductory 1.99% for first six billing cycles; 5.25% thereafter 1 2 8 Apply Online
TLTV 80.01- 90%, 2.75 Margin $5,000 / $250,000 N/A Introductory 1.99% for first six billing cycles; 8.00% thereafter 1 2 8 Apply Online
TLTV 90.01-100%, 2.75 Margin $5,000 / $100,000 N/A Introductory 1.99% for first six billing cycles; 8.00% thereafter 1 2 8 Apply Online

Flex Lock Home Equity Line of Credit 7

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
TLTV up to 80%, .50 Margin $5,000 / $250,000 N/A 5.75% 1 2 Apply Online
TLTV 80.01- 90%, 3.25 Margin $5,000 / $250,000 N/A 8.50% 1 2 Apply Online
TLTV 90.01- 100%, 3.25 Margin $5,000 / $100,000 N/A 8.50% 1 2 Apply Online

Fixed Rate Home Equity Loans 7

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
To 84 Months TLTV up to 80% 9 $5,000 / $250,000 4.75% 1 2 N/A Apply Online
To 84 Months TLTV 80.01%-90% 9 $5,000 / $250,000 5.60% 1 2 N/A Apply Online
To 84 Months TLTV 90.01%-100% 9 $5,000 / $100,000 7.25% 1 2 N/A Apply Online
85 to 120 Months TLTV up to 80% 9 $5,000 / $250,000 4.85% 1 2 N/A Apply Online
85 to 120 Months TLTV 80.01%-90% 9 $5,000 / $250,000 5.85% 1 2 N/A Apply Online
85 to 120 Months TLTV 90.01%-100% 9 $5,000 / $250,000 7.25% 1 2 N/A Apply Online
121 to 180 Months TLTV up to 80% 9 $5,000 / $250,000 5.00% 1 2 N/A Apply Online
121 to 180 Months TLTV 80.01%-90% 9 $5,000 / $250,000 6.00% 1 2 N/A Apply Online
121 to 180 Months TLTV 90.01%-100% 9 $5,000 / $100,000 7.25% 1 2 N/A Apply Online
181 to 240 Months TLTV up to 80% 9 $5,000 / $250,000 5.25% 1 2 N/A Apply Online
181 to 240 Months TLTV 80.01%-90% 9 $5,000 / $250,000 6.59% 1 2 N/A Apply Online
181 to 240 Months TLTV 90.01%-100% 9 $5,000 / $100,000 7.25% 1 2 N/A Apply Online

Solar Panel Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
180 month loan LTV up to 125% 10 $30,000 maximum 6.25% 1 2 N/A Apply Online
Rates are accurate as of 07/18/2019 and are subject to change without notice. APR = Annual Percentage Rate
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