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The Region’s Best Kept Financial Secret

We are committed to making banking easy for you, your family and your business. Connect with us and your money at over 85,000 nationwide surcharge free ATMs, our locally-based phone center, live chat, or anytime date or night with our full suite of online banking and mobile wallet services. With just a few clicks, you can easily and conveniently open an account and apply for a consumer loan or mortgage loan. Plus, you can conveniently obtain credit union financing directly at any of the car dealers in our partner network, including those in Albany, Columbia, Greene, Rensselaer, Saratoga, and Schenectady Counties. Be sure to tell the dealer you want to finance your car loan with HVCU, and we’ll send payment directly to them – and also coordinate your title and lien.

Enjoy the Credit Union Difference

While both credit unions and banks offer similar financial products, we have a different core value system and structure, which translate into a wealth of benefits for members including:

Ownership – Unlike banks, credit unions are owned by our members – the people who deposit with us and help us grow. Members elect a board of directors from among their fellow members. These unpaid volunteers ensure our products, policies, and processes are all in our members’ best interests.

Purpose – A credit union’s primary concern is its members’ financial well-being. Not-for-profit credit unions like Hudson Valley exist solely to meet the needs of their member owners. We invest our earnings back into the membership through higher dividends, more affordable loans, lower fees and expanded services.

Values – Since credit unions have always placed the importance of people over profit, this translates to investments in the communities we serve through financial education, community outreach, and charitable giving.

If you live, work, worship, volunteer, or attend school in Albany, Columbia, Greene, Rensselaer, Saratoga, or Schenectady County, you can take full advantage of the many benefits of credit union membership.

Hudson Valley Credit Union is Built for Business

We collaborate with thousands of businesses to help them thrive and achieve their goals. Partner with us, and you will be surrounded by a team of financial professionals who can provide you with clear-cut guidance and unmatched service. Learn more about our business offerings or speak with a business expert.

See What Members in Albany & Rensselaer Say About Us

“I live in the Capital District and continue to use HVCU as my primary bank, I am always satisfied with all my dealings with the credit union.”
– Member for 38 years
“Joining HVFCU is one of the best decisions I have ever made” – Member for 7 years

Phenomenal Service!  And, Fantastic online Banking. – Member for 4 years

Excellent customer service, easy to get things done, and large ATM network
– Member for 1 year


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