Resources for Financial Wellness


There’s no time like the present for a broad scale financial checkup.

Most everyone goes to the doctor for regular routine checkups, but when was the last time you gave your finances a thorough “once over”? Our Financial Wellness area offers tools and resources to help you keep your finances in order—and your life on track. We’ve compiled a wide variety of resources to help you examine you and your family’s financial situation. These resources range from tools to help with your personal budget all the way to agencies that can assist you in a time of need.

During your evaluation, if you find you have concerns regarding any of your HVFCU loans, we are here to help. Call 845.463.3011 / 800.468.3011 x3200 between 8 am – 5 pm EST, Monday – Friday, for your free financial checkup.

Has it always been your dream to open up your own business and be your own boss? Well if so, we’ve got the resources to help you get it started and keep it growing! From the early stages of developing a business plan to obtaining an inventory loan, here’s how to get started today. And once your business is up and running, be sure to review the full range of business accounts and loans available at HVFCU. You can also contact our Business Services Department directly by calling 845.463.3011 x2270 between 8 am – 5 pm EST, Monday – Friday.

Click on one of the Starting a Business topics from the list below, or scroll to see the entire page content.

SCORE New York State Small Business Development Center
New York State Small Business Administration
Economic Development Chambers of Commerce
Business Use of Your Home

SCORE – Counselors to America’s Small Business

SCORE is a nonprofit association dedicated to educating entrepreneurs. They assist with the formation, growth, and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA) and can provide you with the “how-to” information and the tools that you need to get going.

New York State Small Business Development Center

The NYSSBDC provides free, one-to-one business advisement and information to existing or aspiring entrepreneurs in New York. The SBDC partners with numerous organizations on projects that advance the job development, investment, and economic growth opportunities of New Yorkers, with an emphasis on manufacturers, exporters, and technology-oriented firms.

New York State

The state has a wide variety of resources available for individuals starting a new business or expanding an existing one. Many of the state agencies have regional access.

Small Business Administration

The U.S. Small Business Administration (SBA) is as an independent agency of the federal government to aid, counsel, assist, and protect the interests of small business concerns, to preserve free competitive enterprise, and to maintain and strengthen the overall economy of our nation. They help Americans start, build, and grow businesses. Through an extensive network of field offices and partnerships with public and private organizations, SBA delivers its services to people throughout the United States.

  • Military Veterans – There are programs that are unique to the needs of military veterans.
  • Women – There is information available to women who want to start and manage their own businesses.

Economic Development

There are regional and county specific organizations that will help you get started. The employees and volunteers involved in the organization know our community and the resources available.

Chambers of Commerce

Chambers of commerce provide resources in all areas of business including educational opportunities, networking events, website, and printed publications. Here are some of our local chambers:

Income Tax Implications of Business Use of Your Home

There income tax implications when you use your home for a business. Learn more through the following IRS publication:

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

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