Rates

Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts are available for amounts of $50,000 or more. Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts with a minimum balance of $50,000 or more earn the stated APYs below plus .05%. Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts with a minimum balance of $100,000 or more earn the stated APYs plus .10%.

You can open select certificate accounts online through Internet Banking via transfer from an existing HVFCU savings, checking, or money market account.

Certificate Accounts & IRA Certificate Accounts 1

Account APY Dividend Rate Minimum to Open
Rates are accurate as of 4/12/14 and are subject to change without notice. APY = Annual Percentage Yield
3-5 Months .20% .20% $500
6-11 Months .30% .30% $500
12-17 Months .65% .64% $500
18-23 Months .60% .59% $500
24-35 Months 1.10% 1.09% $500
36-47 Months 1.10% 1.09% $500
48-59 Months 1.30% 1.29% $500
60-84 Months 1.55% 1.53% $500

Flex Certificate Accounts & Flex IRA Certificate Accounts 2

Account APY Dividend Rate Minimum to Open
Rates are accurate as of 4/12/14 and are subject to change without notice. APY = Annual Percentage Yield
12-Month Flex .30% .30% $750

Save Smart Certificate Accounts 1

Account APY Dividend Rate Minimum to Open
Rates are accurate as of 4/12/14 and are subject to change without notice. APY = Annual Percentage Yield
8-Month .30% .30% $250

IRA Savings 3

Account APY Dividend Rate Minimum to Open
Rates are accurate as of 4/12/14 and are subject to change without notice. APY = Annual Percentage Yield
Traditional, Roth, & Coverdell Education Savings .10% .10% $5

1 Above are the Dividend Rate and APY for each Certificate Account and IRA Certificate Account. The minimum balance to open a Certificate Account or an IRA Certificate Account and earn the stated APY is $500. The minimum balance to open a Jumbo Certificate Account or a Jumbo IRA 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 or an IRA 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.

2 Above is the Dividend Rate and variable APY for Flex Certificate Accounts and IRA Flex Certificate Accounts. The variable Dividend Rate and APY are effective 4/1/14 through 6/30/14. The minimum to open a 12-month term Flex Certificate Account or IRA Flex Certificate Account and earn the stated APY is $750. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate on the last Thursday of each quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate is subject to change after account opening. 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.

3 Above is the Dividend Rate and APY for IRA Savings Accounts. The minimum balance to open an account is $5.00. Dividend Rates and Annual Percentage Yields (APY) may change at any time, as determined by the credit union’s Board of Directors. There is no minimum balance required in order to earn the disclosed APY. Fees or other conditions could reduce earnings on any of the listed accounts.


© 2014 Hudson Valley Federal Credit Union

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

Routing Number : 221979363