Rates



  • For additional rate and point combinations other than what is listed below, please get a customized rate quote based on your property value and the amount of your loan.
  • At your request, you can lock-in your fixed interest rate for a period of up to 120 days when you submit your mortgage application (up to 180 days on new construction) or any time up until three days before closing. View our rate lock disclosure and policy for further information.
  • For information about minimum and maximum loan amounts, please view our mortgage comparison chart.

Popular Mortgage Options

Mortgage Rate Points APR Apply
Rates are accurate as of 04/17/2014 10:45 AM and are valid until the close of the business day5. Rates are subject to change without notice. APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges.
30-Year Fixed Rate1 4.375% 0 4.415% Apply Online
FHA 30-Year Fixed Rate2 4.250% 0 5.758% Apply Online
1-Year Adjustable Rate3 2.750% 0 2.902 Apply Online
15/15-Year ARM4 4.000% 0 4.289% Apply Online

Additional Mortgage Options

Please click a link below to see rates for other mortgage options available.

Fixed & Adjustable Rate Mortgages

Mortgage Rate Points APR Apply
Rates are accurate as of 04/17/2014 10:45 AM and are valid until the close of the business day5. Rates are subject to change without notice. APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges.
30-Year Fixed Rate1 4.375% 0 4.415% Apply Online
25-Year Fixed Rate6 4.375% 0 4.421% Apply Online
20-Year Fixed Rate7 4.125% 0 4.179% Apply Online
15-Year Fixed Rate8 3.375% 0 3.407% Apply Online
10-Year Fixed Rate9 3.250% 0 3.296% Apply Online
1-Year Adjustable Rate3 2.750% 0 2.902 Apply Online
3-Year Adjustable Rate10 3.125% 0 2.966% Apply Online
5-Year Adjustable Rate11 3.250% 0 3.041% Apply Online
7-Year Adjustable Rate12 3.500% 0 3.200% Apply Online
10-Year Adjustable Rate13 4.250% 0 3.764% Apply Online
15/15-Year ARM4 4.000% 0 4.289% Apply Online

1 As an example, for a $220,000 30-Year Fixed Rate Mortgage at 4.875% with zero points, the APR is 4.90%. Your payment schedule would be 359 payments at $1,164.26 and 1 final payment of $1,163.55.

3 Additional Information about our 1-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 1 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.00% start rate, the APR is 4.72%, subject to change. Your payment schedule would be 12 payments of $1,050.31; 347 payments of $1,145.08; and 1 payment of $1,147.88.

4 Additional Information about our 15-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 15 / 15 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.125% start rate, the APR is 4.216%, subject to change. Your payment schedule would be 180 payments of $1,066.23; 179 payments of $1,093.42; and 1 payment of $1,089.89.

5 BUSINESS DAY: A Business Day is defined as Monday through Friday between the hours of 10:30 a.m. and 4:00 p.m. EST excluding HVFCU observed holidays. Also, excluded are holiday hours that the FHLMC Cash Desk observes (i.e. The Securities Industry and Financial Markets Calendar) but the HVFCU is opened (e.g. Good Friday). Nor will we be able to Rate Lock your loan if we are unable for any reason to Rate Lock with the FHLMC Cash Desk.

6 As an example, for a $220,000 25-Year Fixed Rate Mortgage at 4.875% with zero points, the APR is 4.904%. Your payment schedule would be 299 payments at $1,270.13 and 1 final payment of $1,269.19.

7 As an example, for a $220,000 20-Year Fixed Rate Mortgage at 4.625% with zero points, the APR is 4.659%. Your payment schedule would be 239 payments at $1,406.72 and 1 final payment of $1,405.90.

8 As an example, for a $220,000 15-Year Fixed Rate Mortgage at 4.000% with zero points, the APR is 4.006%. Your payment schedule would be 179 payments at $1,67.31 and 1 final payment of $1,627.97.

9 As an example, for a $220,000 10-Year Fixed Rate Mortgage at 3.875% with zero points, the APR is 3.883%. Your payment schedule would be 119 payments at $2,214.35 and 1 final payment of $2,213.94.

10 Additional Information about our 3-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 3 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.50% start rate, the APR is 4.73%, subject to change. Your payment schedule would be 36 payments of $1,114.71; 323 payments of $1,145.12; and 1 payment of $1,142.98.

11 Additional Information about our 5-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 5 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.625% start rate, the APR is 4.74%, subject to change. Your payment schedule would be 60 payments of $1,131.11; 299 payments of $1,145.50 and 1 payment of $1,148.18.

12 Additional Information about our 7-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 7 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 5.00% start rate, the APR is 4.91%, subject to change. Your payment schedule would be 84 payments of $1,181.01; 275 payments of $1,153.57; and 1 payment of $1,153.31.

13 Additional Information about our 10-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 10 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 5.25% start rate, the APR is 5.11%, subject to change. Your payment schedule would be 120 payments of $1,214.85; 239 payments of $1,165.05; and 1 payment of $1,164.89.

Government Mortgages (FHA, VA, SONYMA & USDA)

Mortgage Rate Points APR Apply
Rates are accurate as of 04/17/2014 10:45 AM and are valid until the close of the business day5. Rates are subject to change without notice. APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges.
FHA 30-Year Fixed Rate2 4.250% 0 5.758% Apply Online
FHA 15-Year Fixed Rate14 3.250% 0 4.225% Apply Online
VA 30-Year Fixed Rate15 4.250% 0 4.447% Apply Online
VA 15-Year Fixed Rate16 3.250% 0 3.589% Apply Online
SONYMA Low Interest Rate 30-Year Fixed Rate 17 5.000% 0 5.031% Contact a Mortgage Loan Officer
SONYMA Achieving the Dream 30-Year Fixed Rate 18 4.250% 0 4.287% Contact a Mortgage Loan Officer
USDA 30-Year Fixed Rate19 4.375% 0 4.547% Contact a Mortgage Loan Officer

2 As an example, for a $203,500 30-Year Fixed Rate FHA Mortgage at 4.625% with zero points, the APR is 6.137% (assumes $3,500 in upfront mortgage insurance premium included in the loan amount).Your payment schedule would be 360 payments of $1,269.66.

5 BUSINESS DAY: A Business Day is defined as Monday through Friday between the hours of 10:30 a.m. and 4:00 p.m. EST excluding HVFCU observed holidays. Also, excluded are holiday hours that the FHLMC Cash Desk observes (i.e. The Securities Industry and Financial Markets Calendar) but the HVFCU is opened (e.g. Good Friday). Nor will we be able to Rate Lock your loan if we are unable for any reason to Rate Lock with the FHLMC Cash Desk.

14 As an example, for a $203,500 15-Year Fixed Rate FHA Mortgage at 3.625% with zero points, the APR is 4.603% (assumes $3,500 in upfront mortgage insurance premium included in the loan amount). Your payment schedule would be 180 payments of $1,568.71.

15 As an example, for a $204,300 30-Year Fixed Rate VA Mortgage at 4.625% with zero points, the APR is 4.929%% (assumes $4,300 VA Funding Fee included in the loan amount).Your payment schedule would be 360 payments of $1,050.39.

16 As an example, for a $204,300 15-Year Fixed Rate VA Mortgage at 3.625% with zero points, the APR is 4.140% (assumes $4,300 VA Funding Fee included in the loan amount). Your payment schedule would be 180 payments of $1,473.08.

17 As an example, for a $200,000 30-Year Fixed Rate SONYMA Low Interest Rate Mortgage at 5.000% with zero points, the APR is 5.019%. Your payment schedule would be 360 payments of $1073.64.

18 As an example, for a $204,000 30-Year Fixed Rate SONYMA Achieving the Dream Mortgage at 4.250% with zero points, the APR is 4.268% . Your payment schedule would be 360 payments of $983.88.

19 As an example, for a $204,000 30-Year Fixed Rate USDA Mortgage at 4.500% with zero points, the APR is 4.673% (assumes $4,000 USDA Guarantee Fee included in the loan amount). Your payment schedule would be 360 payments of $1034.28.

Jumbo Fixed & Adjustable Rate Mortgages

Mortgage Rate Points APR Apply
Rates are accurate as of 04/17/2014 10:45 AM and are valid until the close of the business day5. Rates are subject to change without notice. APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges.
30-Year Fixed Rate1 4.750% 0 4.778% Apply Online
25-Year Fixed Rate6 4.750% 0 4.782% Apply Online
20-Year Fixed Rate7 4.500% 0 4.538% Apply Online
15-Year Fixed Rate8 3.750% 0 3.761% Apply Online
10-Year Fixed Rate9 3.625% 0 3.640% Apply Online
1-Year Adjustable Rate3 3.000% 0 2.910% Apply Online
3-Year Adjustable Rate10 3.375% 0 3.009% Apply Online
5-Year Adjustable Rate11 3.500% 0 3.117% Apply Online
7-Year Adjustable Rate12 3.750% 0 3.306% Apply Online
10-Year Adjustable Rate13 4.500% 0 3.911% Apply Online
15/15-Year ARM4 4.250% 0 4.474% Contact a Mortgage Loan Officer

1 As an example, for a $220,000 30-Year Fixed Rate Mortgage at 4.875% with zero points, the APR is 4.90%. Your payment schedule would be 359 payments at $1,164.26 and 1 final payment of $1,163.55.

3 Additional Information about our 1-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 1 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.00% start rate, the APR is 4.72%, subject to change. Your payment schedule would be 12 payments of $1,050.31; 347 payments of $1,145.08; and 1 payment of $1,147.88.

4 Additional Information about our 15-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 15 / 15 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.125% start rate, the APR is 4.216%, subject to change. Your payment schedule would be 180 payments of $1,066.23; 179 payments of $1,093.42; and 1 payment of $1,089.89.

5 BUSINESS DAY: A Business Day is defined as Monday through Friday between the hours of 10:30 a.m. and 4:00 p.m. EST excluding HVFCU observed holidays. Also, excluded are holiday hours that the FHLMC Cash Desk observes (i.e. The Securities Industry and Financial Markets Calendar) but the HVFCU is opened (e.g. Good Friday). Nor will we be able to Rate Lock your loan if we are unable for any reason to Rate Lock with the FHLMC Cash Desk.

6 As an example, for a $220,000 25-Year Fixed Rate Mortgage at 4.875% with zero points, the APR is 4.904%. Your payment schedule would be 299 payments at $1,270.13 and 1 final payment of $1,269.19.

7 As an example, for a $220,000 20-Year Fixed Rate Mortgage at 4.625% with zero points, the APR is 4.659%. Your payment schedule would be 239 payments at $1,406.72 and 1 final payment of $1,405.90.

8 As an example, for a $220,000 15-Year Fixed Rate Mortgage at 4.000% with zero points, the APR is 4.006%. Your payment schedule would be 179 payments at $1,67.31 and 1 final payment of $1,627.97.

9 As an example, for a $220,000 10-Year Fixed Rate Mortgage at 3.875% with zero points, the APR is 3.883%. Your payment schedule would be 119 payments at $2,214.35 and 1 final payment of $2,213.94.

10 Additional Information about our 3-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 3 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.50% start rate, the APR is 4.73%, subject to change. Your payment schedule would be 36 payments of $1,114.71; 323 payments of $1,145.12; and 1 payment of $1,142.98.

11 Additional Information about our 5-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 5 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.625% start rate, the APR is 4.74%, subject to change. Your payment schedule would be 60 payments of $1,131.11; 299 payments of $1,145.50 and 1 payment of $1,148.18.

12 Additional Information about our 7-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 7 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 5.00% start rate, the APR is 4.91%, subject to change. Your payment schedule would be 84 payments of $1,181.01; 275 payments of $1,153.57; and 1 payment of $1,153.31.

13 Additional Information about our 10-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 10 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 5.25% start rate, the APR is 5.11%, subject to change. Your payment schedule would be 120 payments of $1,214.85; 239 payments of $1,165.05; and 1 payment of $1,164.89.

Residential Investment Property Mortgages

Mortgage Rate Points APR Apply
Rates are accurate as of 04/17/2014 10:45 AM and are valid until the close of the business day5. Rates are subject to change without notice. APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges.
15-Year Fixed Rate20 3.875% 0 4.093% Apply Online
15-Year Fixed Rate 3.375% 1.75 3.853% Apply Online
15-Year Fixed Rate Balloon21 4.750% 0 4.899% Apply Online
15-Year Fixed Rate Balloon 4.375% 1.75 4.699% Apply Online
10-Year Fixed Rate Balloon22 4.500% 0 4.693% Apply Online
10-Year Fixed Rate Balloon 4.125% 1.75 4.548% Apply Online

5 BUSINESS DAY: A Business Day is defined as Monday through Friday between the hours of 10:30 a.m. and 4:00 p.m. EST excluding HVFCU observed holidays. Also, excluded are holiday hours that the FHLMC Cash Desk observes (i.e. The Securities Industry and Financial Markets Calendar) but the HVFCU is opened (e.g. Good Friday). Nor will we be able to Rate Lock your loan if we are unable for any reason to Rate Lock with the FHLMC Cash Desk.

20 As an example, for a $200,000 15-Year Fixed Rate Mortgage at 5.25% with zero points, the APR is 5.446%. Your payment schedule would be 179 payments at $1,607.76 and 1 final payment of $1,606.97.

21 As an example, for a $200,000 15-Year Fixed Rate Balloon Note Mortgage at 5.875% with zero points, the APR is 6.011%. Your payment schedule would be 179 payments at $1083.05 and 1 final balloon payment of $171,191.58.

22 As an example, for a $200,000 10-Year Fixed Rate Balloon Note Mortgage at 5.625% with zero points, the APR is 5.798%. Your payment schedule would be 119 payments at $1,048.60 and 1 final balloon payment of $183,207.24.

Land and Construction Loans

Mortgage Rate Points APR Apply
Rates are accurate as of 04/17/2014 10:45 AM and are valid until the close of the business day5. Rates are subject to change without notice. APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges.
Land Loans Fixed Rate23 7.000% 0 7.010% Contact a Mortgage Loan Officer
Construction Loans Adjustable Rate21 6.000% 0 6.087% Contact a Mortgage Loan Officer

5 BUSINESS DAY: A Business Day is defined as Monday through Friday between the hours of 10:30 a.m. and 4:00 p.m. EST excluding HVFCU observed holidays. Also, excluded are holiday hours that the FHLMC Cash Desk observes (i.e. The Securities Industry and Financial Markets Calendar) but the HVFCU is opened (e.g. Good Friday). Nor will we be able to Rate Lock your loan if we are unable for any reason to Rate Lock with the FHLMC Cash Desk.

21 As an example, for a $200,000 15-Year Fixed Rate Balloon Note Mortgage at 5.875% with zero points, the APR is 6.011%. Your payment schedule would be 179 payments at $1083.05 and 1 final balloon payment of $171,191.58.

23 A 10-year, 6.625% fixed rate land loan, with 0 points, in the amount of $75,000, with a 25% down payment, has an APR of 6.77%, which includes a tax service fee and 30 days pre-paid interest, will result in 119 payments of $856.39 and 1 payment of $855.98. Bi-weekly payments are not available.


1 As an example, for a $220,000 30-Year Fixed Rate Mortgage at 4.875% with zero points, the APR is 4.90%. Your payment schedule would be 359 payments at $1,164.26 and 1 final payment of $1,163.55.

2 As an example, for a $203,500 30-Year Fixed Rate Mortgage at 3.625% with zero points, the APR is 4.504% (assumes $3,500 in upfront mortgage insurance premium included in the loan amount). Your payment schedule would be 360 payments of $928.06.

3 Additional Information about our 1-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 30 year 1 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.00% start rate, the APR is 4.72%, subject to change. Your payment schedule would be 12 payments of $1,050.31; 347 payments of $1,145.08; and 1 payment of $1,147.88.

4 Additional Information about our 15-Year Adjustable Rate Mortgage (ARM) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. As an example, for a 15 / 15 Year ARM loan with a $220,000 loan amount (assuming a 20% down payment) at a 4.125% start rate, the APR is 4.216%, subject to change. Your payment schedule would be 180 payments of $1,066.23; 179 payments of $1,093.42; and 1 payment of $1,089.89.

5 BUSINESS DAY: A Business Day is defined as Monday through Friday between the hours of 10:30 a.m. and 4:00 p.m. EST excluding HVFCU observed holidays. Also, excluded are holiday hours that the FHLMC Cash Desk observes (i.e. The Securities Industry and Financial Markets Calendar) but the HVFCU is opened (e.g. Good Friday). Nor will we be able to Rate Lock your loan if we are unable for any reason to Rate Lock with the FHLMC Cash Desk.


© 2014 Hudson Valley Federal Credit Union

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

Routing Number : 221979363