Rates

Student Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Rates are accurate as of 4/19/14 and are subject to change without notice. APR = Annual Percentage Rate. The variable APR is subject to increase.
Higher Education 1 Increments of $500 up to $30,000 maximum na 5.00% Apply Online

Secured Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Rates are accurate as of 4/19/14 and are subject to change without notice. APR = Annual Percentage Rate. The variable APR is subject to increase.
Pledge of Certificate Account 100% of certificate balance ADR + 3% 2 na Contact Us
Pledge of Savings 100% of savings balance ADR + 3% 2 na Contact Us
Savings Secured Line of Credit Increments of $500 up to 100% of savings balance na 3.10% Contact Us
Stock (NYSE & AMEX) 1 70% of previous day’s closing 8.25% na Apply Online
Stock Line of Credit 1 70% of previous day’s closing in increments of $500 na 7.75 Apply Online

1 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. The discounted rate only applies to new loans and newly refinanced loans from another lender. For higher education loans, the minimum annual percentage rate is 5.00%.

2 ADR = Annual Dividend Rate


© 2014 Hudson Valley Federal Credit Union

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

Routing Number : 221979363