Meet Bob Babirad


HVFCU offers the financing you need to expand, improve, or refinance your business.

As a local financial partner, HVFCU offers comprehensive solutions to help businesses become more efficient and profitable. We have a variety of commercial loan products with low rates and attractive terms, including business lines of credit, term loans, business credit cards and more.

Email us or stop into any of our branches for assistance.


As a Business Loan Officer at HVFCU, Bob Babirad works closely with current and potential business members to help them find the right fit for their financing needs. Whether you’re looking to expand your space, increase inventory, purchase equipment or increase cash flow, Bob can help you learn more about your options. HVFCU offers a full suite of commercial lending programs including business lines of credit, term loans, business credit cards, commercial mortgages, SBA loans, letters of credit and overdraft lines of credit. In addition, he also works closely with local commercial real estate brokers, CPAs, attorneys and builders to offer their clients the financing they need to achieve their business goals.

In 2009, Bob joined HVFCU as a Business Loan Officer. He has more than 20 years of experience in the financial services industry, specializing in commercial mortgages, lines of credit, and term loans.

Bob is an active member of New York State Commercial Association of Realtors (NYSCAR). He is also active in his community, serving on the Board of Directors/Treasurer of the Rhinebeck Chamber of Commerce, Town of Rhinebeck Finance and Controls Committee, Town of Rhinebeck Board of Assessment Review, Village of Rhinebeck Pedestrian Task Force, and as a Past President/Treasurer of the Rhinebeck Soccer League.

Prior to joining HVFCU, Bob held positions with M&T Bank as Vice President/Relationship Manager Business Banking Division; Bank of America, as Vice President/Client Manager Business Banking Division; Fleet Bank as Business Banking Specialist; and District Manager Fleet Bank/InterPay Commercial Banking Division. He also owned and operated a computer Point of Sale (POS) business in New York City for eight years.

Bob is a graduate of SUNY Fredonia with a degree in Business Administration. He has lived in Rhinebeck, NY since 1989 with his wife and two sons. Some of his hobbies include golfing, biking, swimming and spending time with his family and friends.

Contact Bob at 845.463.3011, ext. 2267 to discuss how HVFCU can help meet your commercial lending needs. He is available to meet with you in our Arlington, Brewster, Carmel, Civic Center, Hopewell Junction, Highland, Kingston, Hyde Park, Pleasant Valley, and Poughkeepsie branches, or at your place of business.

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    PO Box 1071, Poughkeepsie, NY 12602-1071
    ph: 845.463.3011 / 800.468.3011

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