Lock in Your Savings!
4.00% APY1 36-Month Certificate Account
Open an Account
Please select an option below to open your account.
Please note: If you are a joint member on other HVCU member accounts and do not have any primary accounts, please select New Members.
To qualify for a Hudson Valley Credit Union account, you MUST live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Sullivan, Ulster, or Westchester County.
Saving for Your Best Life!
Earn up to 3.85% APY5 with a Premier Savings Account!5
Open an Account
Please select an option below to open your account.
Please note: If you are a joint member on other HVCU member accounts and do not have any primary accounts, please select New Members.
To qualify for a Hudson Valley Credit Union account, you MUST live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Sullivan, Ulster, or Westchester County.
Account Rates
View rates for savings, checking, tiered money market, IRA, and certificate accounts.
Open an Account
Please select an option below to open your account.
Please note: If you are a joint member on other HVCU member accounts and do not have any primary accounts, please select New Members.
To qualify for a Hudson Valley Credit Union account, you MUST live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Sullivan, Ulster, or Westchester County.
Account Rates that Work For You
Savings Accounts
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| Account | APY | Dividend Rate | Minimum to Open |
|---|---|---|---|
| Savings 1 | 0.02% 2 3 | 0.02% | $.01 |
| IRA Savings: Traditional, Roth, & Coverdell Education Savings | 0.02% 2 3 | 0.02% | $0 |
| College Savings | 0.02% 2 3 | 0.02% | $5 |
| Mortgage Savings | 0.02% 2 3 | 0.02% | $100 |
| Holiday Club 4 | 0.02% 2 3 | 0.02% | $0 |
| PaySmart Accounts | N/A | 0.00% | $25 |
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Rates are accurate as of 04/24/2025 and are subject to change without notice. Rates are variable and may change after account opening.
Premier Savings Accounts
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| Account | APY | Dividend Rate | Minimum to Open |
|---|---|---|---|
| First Tier | 0.02% 5 | 0.02% | $0 |
| Second Tier | 0.02% 5 | 0.02% | $25,000 |
| Third Tier | 2.85% 5 | 2.81% | $50,000 |
| Fourth Tier | 3.35% 5 | 3.29% | $75,000 |
| Fifth Tier | 3.85% 5 | 3.77% | $100,000 |
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Rates are accurate as of 04/24/2025 and are subject to change without notice. Rates are variable and may change after account opening.
Checking Accounts
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| Account | APY | Dividend Rate | Minimum to Open |
|---|---|---|---|
| Checking, Teen Checking, & HSA Checking Accounts | 0.02% 2 3 | 0.02% | $0 |
| Premier Checking Account | 0.05% 3 2 6 | 0.05% | $0 |
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Rates are accurate as of 04/24/2025 and are subject to change without notice. Rates are variable and may change after account opening.
Tiered Money Market Accounts
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| Account | APY | Dividend Rate | Minimum to Open |
|---|---|---|---|
| First Tier | 0.15% 2 3 | 0.15% | $500 |
| Second Tier | 0.15% 2 3 | 0.15% | $10,000 |
| Third Tier | 0.20% 2 3 | 0.20% | $50,000 |
| Fourth Tier | 0.30% 2 3 | 0.30% | $100,000 |
| Fifth Tier | 0.50% 2 3 | 0.49% | $250,000 |
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Rates are accurate as of 04/24/2025 and are subject to change without notice. Rates are variable and may change after account opening.
Certificate Accounts & IRA Certificate Accounts
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| Account | APY | Dividend Rate | Minimum to Open |
|---|---|---|---|
| 3-Month | 0.20% 2 3 | 0.20% | $500 |
| 6-Month | 0.50% 2 3 | 0.49% | $500 |
| 8-Month Save Smart | 0.50% 2 3 | 0.49% | $250 |
| 12-Month | 3.80% 2 3 | 3.73% | $500 |
| 12-Month Flex | 4.33% 2 7 | 4.23% | $750 |
| 24-Month | 3.90% 2 3 | 3.82% | $500 |
| 36-Month | 4.00% 2 3 | 3.92% | $500 |
| 48-Month | 3.50% 2 3 | 3.44% | $500 |
| 60-Month | 3.50% 2 3 | 3.44% | $500 |
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Rates are accurate as of 04/24/2025 and are subject to change without notice.
Rates Disclosures
1 Primary Savings Account requires $0.01 minimum balance.
2 Fees or other conditions could reduce earnings on any account. A substantial penalty will be imposed for early withdrawals of certificate accounts. All accounts are subject to the applicable terms and conditions set forth in the Truth in Savings Disclosure and Account Agreement, Truth in Savings Disclosure and Account Agreement for Certificates and IRA Certificates, the Fee Schedule for Personal Accounts, and any agreement to which the Truth in Savings Disclosure and Account Agreement references.
3 APY= Annual Percentage Yield. HSA=Health Savings Account. Disclosed are the Dividend Rate and APY for all savings, IRA savings, checking, tiered money market, and certificate accounts. 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%. There is no minimum balance required to earn the disclosed APY for all savings and checking accounts except for Tiered Money Market Accounts and Premier Savings Accounts. Please refer to the Truth in Savings Disclosure and Account Agreement to learn how a bonus can be paid on College Savings and Mortgage Savings accounts.
4 Maturity date of Holiday Club Account is October 1.
5 The Premier Savings is limited to one joint owner and only one account per primary member is permitted. To qualify for this account, you must receive an aggregate minimum of $500 monthly in direct deposit(s) to your primary checking account and maintain an average daily share balance of $500 in your primary checking account. If you do not meet this criteria, the Premier Savings account will convert to a traditional savings account. Premier Savings charges an annual fee in accordance with the Fee Schedule. A “qualifying direct deposit” is a direct deposit of regular monthly income, such as your salary, pension, or Social Security benefits, which are made by your employer or other payer, using account and routing numbers that you provide to them. Examples of non-qualifying direct deposits and transfers include: your initial ACH deposit to open the account, teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, or Internet or Mobile banking transfers or deposits.
6 Premier Checking is subject to a $15.00 monthly fee. To avoid this fee, you must maintain a combined average daily share balance of $15,000 or more and an aggregate minimum of $1,000 monthly direct deposit(s) to your primary account. A “qualifying direct deposit” is a direct deposit of regular monthly income, such as your salary, pension, or Social Security benefits, which are made by your employer or other payer, using account and routing numbers that you provide to them. Examples of non-qualifying direct deposits and transfers include: your initial ACH deposit to open the account, teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, or Internet or Mobile banking transfers or deposits.
7 APY=Annual Percentage Yield. Disclosed are the Dividend Rate and variable APY for Flex Certificate Accounts and IRA Flex Certificate Accounts. The variable Dividend Rate and APY are effective as of 1/1/25. 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 based on the Effective Federal Funds Rate (EFFR) in effect 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. IRA and Jumbo Flex Certificate Accounts earn the same Dividend Rate and APY as regular Flex Certificate Accounts.