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Loans and Lines of Credit

Whether you are shopping for a new car, big ticket item, or just want the security of a line of credit, there is an HVCU loan that will meet your needs.

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Like the thousands of homeowners that have financed a mortgage with us, you can feel confident knowing you will receive personalized, one-on-one service.

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The people and businesses of the Hudson Valley have weathered storms before and we are by your side because we are all in this together.


Whether you are shopping for a new car or other big ticket item, or just want the security of a line of credit, there is a Hudson Valley loan that will meet your needs.



Fixed APR



Fixed APR

Home Equity


Fixed APR

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HVCU Rewards!

Earn points for every qualified Visa® transaction you make when you use your Debit Card, Visa Platinum Rewards Credit Card, or Signature Credit Card.


Gift Cards,
Event Tickets,
& Stock Gift Cards

There are many gift cards to select, including those for pharmacies, grocery stores, online retailers, and gas stations; Choose from local and national events, including concerts, sports, and theatre tickets; Buy stocks of your favorite companies by the dollar, not the share.

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Merchandise, Digital Music,
& Travel Rewards

When redeeming points for merchandise, choose from brand-name electronics, housewares, jewelry, fitness, & gourmet foods; For those who like to travel, use your points for airline tickets, hotel accommodations, rental cars, cruises, & vacation packages; Download top songs or whole albums from your favorite artists.


Cash Back
Credit & Charitable Donations

When redeeming your points for cash back credit, the amount is credited directly to your account; You can also use your points for a greater good by donating to one of more than 1.2 million national and local charities.

News & Events

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Watch our Child Cyber Safety webinar on-demand. 

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October is Cybersecurity Awareness Month

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Help your neighbors receive free, reliable tax preparation assistance and all the refunds and credits available to them.

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Our app now supports the use of authenticator applications such as Google Authenticator, Authy, or Duo.

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We've launched a new Speaker's Bureau that can talk with your company or organization on a wide array of topics.

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Congratulations to our winners of the NYCUA Scholarship Program and the EverFi National Financial Literacy Bee!