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Hudson Valley Credit Union Loan Rates

Vehicles

Auto, Truck, Van, & Motorcycle Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
New & Used (model year 2019 & newer) Up to 125% of LTV 1.99% 1 2 N/A Apply Online
Used (model year 2015 - 2018) Up to 125% of LTV 3.04% 1 2 N/A Apply Online
Used (model year 2012 - 2014 & vintage/classic vehicles 25 yrs+) Up to 100% of LTV 5.94% 1 2 N/A Apply Online

Boat & RV Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
New Boat & RV (never titled, less than 5,000 miles) Up to 90% of purchase price including accessories, sales tax, fees, & warranties 7.00% 1 2 N/A Apply Online
Used Boat & RV Up to 90% of book value 7.25% 1 2 N/A Apply Online
Rates are accurate as of 09/01/2021 and are subject to change without notice. APR = Annual Percentage Rate
Personal Loans & Credit Cards

Visa Credit Cards 3

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Visa Platinum $30,000 maximum 0% intro rate first 12 months. 11.25%-15.50% thereafter. 1 4 0% intro rate first 12 months. 11.25%-15.50% thereafter. 1 4 Apply Online
Visa Platinum Rewards $30,000 maximum N/A 12.25% 1 Apply Online
Visa Platinum Cash Rewards $30,000 maximum N/A 13.25% 1 Apply Online
Visa Signature $30,000 maximum N/A 13.25% 1 Apply Online

Personal Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Readi-Cash Unsecured Line of Credit Increments of $100 up to $30,000 maximum N/A 9.99% 1 2 Apply Online
Signature (up to 12 months) 5 $30,000 maximum 6.99% 1 2 N/A Apply Online
Signature (13-36 months) 5 $30,000 maximum 7.74% 1 2 N/A Apply Online
Signature (37 to 60 months) 5 $30,000 maximum 8.74% 1 2 N/A Apply Online
Personal Assistance Loan (6 months) 6 $200 minimum / $1,000 maximum 25.00% N/A Apply Through Internet/Mobile Banking
Rates are accurate as of 09/01/2021 and are subject to change without notice. APR = Annual Percentage Rate
Other Loans

Secured Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Pledge of Certificate Account 100% of certificate balance ADR+3.5% 7 N/A Apply Online
Pledge of Savings 100% of savings balance ADR+3.5% 7 N/A Apply Online
Savings Secured Line of Credit Increments of $100 up to 100% of savings balance N/A ADR+3.5% 7 Apply Online
Rates are accurate as of 09/01/2021 and are subject to change without notice. APR = Annual Percentage Rate
Home Equities

Variable Rate Interest Only Home Equity Lines of Credit 8

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
TLTV up to 80%, 0.00 Margin $5,000 minimum N/A Introductory 1.99% for first 12 billing cycles; 3.00% thereafter 1 2 9 Apply Online
TLTV 80.01- 90%, 2.75 Margin $5,000 minimum N/A Introductory 1.99% for first 12 billing cycles; 5.75% thereafter 1 2 9 Apply Online
TLTV 90.01-100%, 2.75 Margin $5,000 minimum N/A Introductory 1.99% for first 12 billing cycles; 5.75% thereafter 1 2 9 Apply Online

Flex Lock Home Equity Line of Credit 8

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
TLTV up to 80%, .50 Margin $5,000 minimum N/A 3.50% 1 2 Apply Online
TLTV 80.01- 90%, 3.25 Margin $5,000 minimum N/A 6.25% 1 2 Apply Online
TLTV 90.01- 100%, 3.25 Margin $5,000 minimum N/A 6.25% 1 2 Apply Online

Fixed Rate Home Equity Loans 8

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
To 84 Months TLTV up to 80% 10 $5,000 minimum 4.75% 1 2 N/A Apply Online
To 84 Months TLTV 80.01%-90% 10 $5,000 minimum 5.60% 1 2 N/A Apply Online
To 84 Months TLTV 90.01%-100% 10 $5,000 minimum 7.25% 1 2 N/A Apply Online
85 to 120 Months TLTV up to 80% 10 $5,000 minimum 4.85% 1 2 N/A Apply Online
85 to 120 Months TLTV 80.01%-90% 10 $5,000 minimum 5.85% 1 2 N/A Apply Online
85 to 120 Months TLTV 90.01%-100% 10 $5,000 minimum 7.25% 1 2 N/A Apply Online
121 to 180 Months TLTV up to 80% 10 $5,000 minimum 5.00% 1 2 N/A Apply Online
121 to 180 Months TLTV 80.01%-90% 10 $5,000 minimum 6.00% 1 2 N/A Apply Online
121 to 180 Months TLTV 90.01%-100% 10 $5,000 minimum 7.25% 1 2 N/A Apply Online
181 to 240 Months TLTV up to 80% 10 $5,000 minimum 5.25% 1 2 N/A Apply Online
181 to 240 Months TLTV 80.01%-90% 10 $5,000 minimum 6.59% 1 2 N/A Apply Online
181 to 240 Months TLTV 90.01%-100% 10 $5,000 minimum 7.25% 1 2 N/A Apply Online

Solar Panel Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
180 month loan LTV up to 125% 11 $30,000 maximum 6.25% 1 2 N/A Apply Online
Rates are accurate as of 09/01/2021 and are subject to change without notice. APR = Annual Percentage Rate
RATES DISCLOSURES
1  Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term, vehicle model year, mileage, and loan to value for vehicle loans, the selected term for home equity loans, and on the total amount financed for home equity loans and home equity lines of credit, and the selected term for signature loans. Total amount financed, term, and use of either MSRP or factory invoice for new vehicle values is based on an evaluation of applicant credit. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book values for used vehicles. Total amount financed for home equity loans and home equity lines of credit is based on an evaluation of applicant credit, appraised value, and existing liens (LTV). Your rate and total amount financed may vary from the stated rate and maximum financing.

Variable rates are subject to increase. The maximum APR is 18%.

LTV=Loan to Value. TLTV(Total Loan to Value) is a total of all liens, including the requested amount divided by the appraised value.

ADR= Annual Dividend Rate
2  The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.
3  The fee for cash advances is 2% of advance amount. The fee for international transactions for the Visa Platinum Card, Visa Platinum Rewards Card, and Visa Platinum Cash Rewards Card is equal to the exchange rate + 1% of the transaction. Visa Signature Card has no foreign transaction fee.
4  APR=Annual Percentage Rate. Make purchases, cash advances, and balance transfers from other non-HVCU creditors and enjoy a 0% APR for the first 12 months of Visa Platinum credit card account opening. Thereafter, the APR will revert to the variable rate in effect after the 12 month introductory period, currently 11.25% to 15.50% APR. Variable APRs vary with the market based on the Prime Rate. This 0% introductory offer is valid for new HVCU Visa Platinum credit card accounts only. All other credit cards are not eligible for this offer and may be not be combined with any other offers or discounts unless otherwise expressly noted. No exceptions will be made or considered. Rates for this product are as low as stated. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. Foreign transaction fee is the exchange rate plus 1% of the transaction. Cash advance fee is 2% of the advanced amount. HVCU expressly reserves the right to terminate this offer at its discretion at any time and without further notice provided to you. For balance transfers, the total amount transferred may not exceed your available credit limit. Balances must be transferred from other non-HVCU creditors to be eligible. Please note, a balance transfer will not close your account with your other creditor. Check with your individual creditors to close your accounts. Payments to these accounts should continue until acknowledgement of the transfer is received. HVCU is not responsible for payments lost or delayed in the mail. Balance transfers are posted as cash advances and will begin accruing interest immediately after the 12 month introductory period ends. Rewards and/or rebates are not eligible with this offer.
5  As an example, a 5-year, 12.24% fixed rate signature loan for $15,000 would result in 60 monthly payments of $343.14.
6  As an example, a 6-month, 25% fixed rate Personal Assistance Loan for $1,000 would result in 6 monthly payments of $179.03. Your actual payment may be higher. Rate is based on member's relationship with HVCU. An application fee of $20 is charged for every PAL application, whether or not the loan is approved.
7  ADR=Annual Dividend Rate
8  Homeowner’s insurance required. Loans and lines of credit over $150,000 also require title insurance.
9  The introductory rate will be in effect the first 12 billing cycles after your account is opened, whether or not funds have been advanced from your account during that time. Thereafter, the rate, including the rate on any existing balance, will convert to the applicable Variable Rate.
10  As an example, a $100,000, 180-month term with 80% LTV at a fixed rate of 5.25% APR would result in an estimated payment of $803.88. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher.
11  As an example, a $30,000 180-month solar panel loan with a fixed rate of 6.50% APR would result in an estimated payment of $261.33. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher.
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