Picture It Perfect Room Makeover Contest

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Time to cast your votes for the ugliest rooms of your fellow HVFCU members!

We’ve been gathering entries for our Picture It Perfect Room Makeover Contest for the past several weeks, and we must say, the competition is fierce! Our entrants have done their part by submitting photos and pleading their case for a room makeover.

Now that the entries are in, it’s your turn to determine which rooms deserve to win. At stake is a $2,500 Visa Gift Card, awarded to the winner in each of our three makeover categories: kitchen, bathroom, and “other” room.

Continue below to view the entries and cast your votes.

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Fix It. Paint It. Learn It. Celebrate It.

Got something to do? Looking to remodel a bathroom, pay tuition, or cover other expenses? Get it done and save – at Hudson Valley Federal Credit Union.

For a limited time, we are offering a special introductory rate on our Interest Only Home Equity Line of Credit. You’ll enjoy an introductory rate of 1.99% APR1 for your first 6 billing cycles with a variable rate as low as 3.00% APR1 thereafter.

Save Even More!

  • Borrow up to $250,000 and pay nothing unless you use your line
  • No closing costs1
  • No points

Additional Line of Credit Features

  • Take five years to draw on your line. During the 5-year variable rate draw period, your funds continue to become available as your balance is paid down. Interest-only payments are required during the draw period, but optional principal payments can be made at any time.1
  • After the initial five-year draw period, you’ll enter into a variable rate repayment period of up to 15 years. Principal and interest payments are due during the variable rate repayment period.1
  • May be used as an overdraft source for checking during variable-rate draw period.2

Apply Online

You can apply online for an interest only home equity line of credit and receive an answer in 60 seconds or less.

1 The introductory fixed rate will be in effect the first 6 billing cycles after your account is opened, whether or not funds have been advanced from your account during that time. Thereafter, the rate, including the rate on any existing balance, will convert to the applicable Variable Rate described below. The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Variable Rate: Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit and total amount financed. After the initial introductory 6 billing cycles, the APR will never increase more than 2% per year and will never be more than 18%. Rate information is accurate as of 3/29/14 and is subject to change. Visit hvfcu.org for current rates. Total amount financed is based on an evaluation of applicant credit, appraised value, and existing liens (LTV). Your rate and total amount financed may vary from the stated rate and maximum financing. Closing costs associated with this product are waived, provided loan is maintained for a minimum of 3 years. HVFCU will pay for property appraisal, credit report, flood certification, attorney fee, mortgage tax, recording fee, and title search. Borrower is responsible for homeowners insurance, flood insurance and title insurance for loans over $150,000. Applications must be submitted between 3/29/14 and 6/27/14 and loan must close by 7/31/14 to receive introductory rate. Offer may be withdrawn at any time. The introductory rate only applies to new loans and newly refinanced loans from another lender.

2 Signed overdraft coverage agreement required.


© 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


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