Apply for a Consumer Loan, Credit Card, or Mortgage


Save time and apply online for your next vehicle loan, credit card, personal loan, home equity, mortgage, or stock loan.

There is no fee to use any of our online applications.

If you are not already an HVFCU member, you may still apply for a loan, however, before the loan is finalized you will need to establish membership 1 by opening a primary savings account with as little as $5. If you live, work, worship, volunteer, or attend school in Dutchess, Ulster, Orange, or Putnam County, you are eligible for membership.

If you want to apply for a business loan, please contact one of our business loan officers for assistance.

  • A loan underwriter will notify you of an approval within two business days (with the exception of home equity approvals which take three business days). All other decisions will be communicated by mail within 5-7 business days.
  • To apply online for any of the loans listed below, simply use the selection tool to find the proper application you need. To apply for other consumer loans not listed below, please stop into any of our branches or call us at 845.463.3011 / 800.468.3011, Monday – Friday 8 am – 7 pm EST or Saturday 9 am – 5 pm EST.
  • If you need help completing your loan application outside of the hours listed above, please call 888.346.8070.
  • When applying, please have the following on hand to complete your applicaton: housing expenses (rent, mortgage, taxes, insurance); gross income; employment info; and for home equity applications, the value of your home and current loans.

Would you like to apply for an automobile, motorcycle, boat, or recreational vehicle loan?

Will this be a new or used boat or recreational vehicle?

What type of home equity would you like to apply for?

Please review the following documentation before continuing.

Would you like to apply for a loan or a line of credit?

Would you like to apply for a stock loan or line of credit?

Please note: Information is kept strictly confidential and is not shared with any third parties. Please refer to our privacy policy for additional privacy information.

1 If you apply for a loan before establishing membership you are unable to open your membership online. Additionally, if your name only appears as a joint owner on another member’s account, then you are not yet a member of HVFCU.

© 2015 Hudson Valley Federal Credit Union

159 Barnegat Rd. Poughkeepsie, NY 12601
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363
HVFCU Prepaid Visa Routing Number: click here

Unauthorized Access Warning – Access to Internet Banking is restricted to authorized HVFCU members only.