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It’s About Membership

If you live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties, you are eligible for membership.

We are member-owned, and therefore, exist to serve the financial needs of our members. There are no stockholders who profit. Everything we do is reinvested in our membership.

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Membership Overview

To establish membership, use our online application, or stop into any branch. Once you join, you’ll discover what other members already know—that HVCU membership offers the most affordable options to help you save, borrow, and manage your finances.

Membership is established by opening a primary savings account in your name with just $.01. You can visit one of our branches, or simply use our online application to join (must be age 18 or over to join online).

What to Expect When Opening Your Accounts Online

  • If you establish your membership online, you are required to open a primary savings account in addition to any other accounts you may choose to open.
  • You will need one of the following ID Types to open an account online: State Driver’s License, State Non-Driver’s ID, Passport, Military ID, Permanent Resident Card (I-551), or Employee Authorization Card (I-766)
  • You can open accounts online with joint members.
  • When you become a member, we request that you complete our Signature Verification Card so that we have your signature on file for verification purposes.
  • If you open an account outside of normal business hours, it will appear in your accounts list within two business days.
  • In addition to the above, our free ClickSWITCH service is a fast, simple, and secure way to move your direct deposits and automatic payments at other financial institutions to your new HVFCU personal or business savings and checking accounts. ClickSWITCH takes the hassles out of switching accounts and can be completed in as little as ten minutes!
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Member Rewards Program

All members enjoy standard benefits, like free Internet Banking, Mobile Banking, Bill Pay, eStatements, Financial Services consultations,insurance checkups, and more. But those members who have an HVCU free checking account and Visa® Debit Card truly maximize their membership benefits.1


Members who have an HVCU checking account and Visa Debit Card receive:

  • 12 free Non-HVCU ATM transactions a month 2
  • 2 free boxes of HVCU custom checks annually
  • Free replacement Visa Debit Cards and Visa Credit Cards
  • 25 free check copies annually
  • 25 free statement copies annually
  • Free official checks and money orders
  • Free check protests / collections
  • Free guaranteed checks

Useful Resources

Stay up-to-date with the latest product and promotional news, and learn about special events like seminars, defensive driving classes, and more.

News & Events

1 Members with a checking account and no Visa Debit Card, will receive 25 check copies annually, 25 statement copies annually, one box of HVCU custom checks annually, and 12 surcharge-free ATM transactions at non-HVCU ATMs monthly. Business and club/organization accounts do not qualify for these benefits.

2ATM owner may assess a surcharge.