Rates

Business Savings and Checking Accounts 1

Account APY Dividend Rate Minimum to Open
Rates are accurate as of and are subject to change without notice. APY = Annual Percentage Yield
Business Savings .10% .10% $5
Value Business Checking na na $5
Enhanced Business Checking .50% .49% $10,000

Business Money Market Accounts 1

Account APY Dividend Rate Minimum to Open
Rates are accurate as of and are subject to change without notice. APY = Annual Percentage Yield
Regular Tier .15% .15% $1,000
Preferred Tier .20% .20% $20,000
Peak Tier .25% .25% $50,000
Peak Plus .35% .34% $250,000

Limited Time 2-Year Certificate Account

Account APY Dividend Rate Minimum to Open
APY = Annual Percentage Yield. Substantial penalty for early withdrawal. Fees may reduce earnings. Rate effective beginning 4/4/15 and is subject to withdrawal at any time. Higher rate for larger balances not available with this offer.
24 Months 2.00%* 1.98% $500

Certificate Accounts 2

Account APY Dividend Rate Minimum to Open
Rates are accurate as of and are subject to change without notice. APY = Annual Percentage Yield
3-5 Months .25% .25% $500
6-11 Months .35% .34% $500
12-17 Months .65% .64% $500
18-23 Months .80% .79% $500
25-35 Months .95% .94% $500
36-47 Months 1.20% 1.19% $500
48-59 Months 1.45% 1.44% $500
60-84 Months 1.70% 1.68% $500

Flex Certificate Accounts 3

Account APY Dividend Rate Minimum to Open
Rates are accurate as of and are subject to change without notice. APY = Annual Percentage Yield
12-Month Flex .27% .27% $750

1 Above are the Dividend Rate and APY for all Business Savings, Business Checking, and Money Market Accounts. The minimum balance to open a Business Savings Account is $5.00, except for a Money Market Account, which is $1,000. The Dividend Rate and Annual Percentage Yield (APY) may change every week (however, the Business Savings Account and Business Checking Account may change monthly) as determined by the credit union’s Board of Directors. For Business Savings, Business Checking, and Money Market Accounts, there is no minimum balance required in order to earn the disclosed APY. A minimum daily balance of $20,000 for Money Market Preferred Tier Accounts, and $50,000 for Money Market Peak Tier Accounts and $250,000 for Money Market Peak Plus Tier Accounts must be maintained to obtain the respective APYs. Fees or other conditions could reduce earnings on any of the listed accounts.

2 Above are the Dividend Rate and APY for each Certificate Account. The minimum balance to open a Certificate Account and earn the stated APY is $500. The minimum balance to open a Jumbo Certificate Account and earn the stated APY plus .05% is $50,000, or $100,000 to earn stated APY plus .10%. For purposes of this disclosure, these Dividend Rates and APYs are offered within the most recent seven calendar days and are accurate as of the date set forth on this page.

If a certificate account is opened, the applicable Dividend Rate and APY set forth on this page would be paid for the length of the term listed for such account. Substantial penalty imposed for early withdrawal. Fees or other conditions could reduce earnings on any of the listed accounts.

3 Above are the Dividend Rate and APY for Flex Certificate Accounts. The variable Dividend Rate and APY are effective 4/1/15 through 6/30/15. The minimum to open a 12-month term Flex Certificate Account and earn the stated APY is $750. The APY is based on the quarterly 3-month Treasury Bill auction rate plus an additional .25%. Rate is subject to change after account opening. IRA and Jumbo Flex Certificate Accounts earn the same Dividend Rate and APY as regular Flex Certificate Accounts. Substantial penalty imposed for early withdrawal. Fees or other conditions could reduce earnings on any of the listed accounts.


© 2015 Hudson Valley Federal Credit Union

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

Routing Number : 221979363
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