Hudson Valley Credit Union Personal Savings Account Rates

Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts are available for amounts of $50,000 or more. Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts with a minimum balance of $50,000 or more earn the stated APYs below plus .05%. Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts with a minimum balance of $100,000 or more earn the stated APY plus .10%. You can open savings, checking, tiered money market, and certificate accounts online via transfer from an account at another financial institution or an existing HVCU savings or checking account.

Savings & Checking

Savings Accounts

Account	APY	Dividend Rate	Minimum to Open
Savings¹	0.02% ^{2 3}	0.02%	$.01

College Savings

Account	APY	Dividend Rate	Minimum to Open
College Savings	0.02% ^{2 3}	0.02%	$5

Mortgage Savings

Account	APY	Dividend Rate	Minimum to Open
Mortgage Savings	0.02% ^{2 3}	0.02%	$100

Holiday Club Accounts

Account	APY	Dividend Rate	Minimum to Open
Holiday Club⁴	0.02% ^{2 3}	0.02%	$0

Checking Accounts

Account	APY	Dividend Rate	Minimum to Open
Classic Checking, Teen Checking, & HSA Checking Accounts	0.02% ^{2 3}	0.02%	$0
Premier Checking Accounts	0.05% ^{2 3 5}	0.05%	$0

PaySmart Accounts

Account	APY	Dividend Rate	Minimum to Open
PaySmart	na	0.00%	$25

Rates are accurate as of 09/01/2023 and are subject to change without notice. APY = Annual Percentage Yield

Tiered Money Market

Tiered Money Market Accounts

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

Rates are accurate as of 09/01/2023 and are subject to change without notice. APY = Annual Percentage Yield

Certificate Accounts & IRAs

Certificate Accounts & IRA Certificate Accounts

Account	APY	Dividend Rate	Minimum to Open
3 Months	0.20% ^{2 3}	0.20%	$500
6 Months	0.50% ^{2 3}	0.49%	$500
12 Months	4.00% ^{2 3}	3.92%	$500
24 Months	5.00% ^{2 3}	4.87%	$500
36 Months	3.50% ^{2 3}	3.44%	$500
48 Months	3.25% ^{2 3}	3.19%	$500
60 Months	3.25% ^{2 3}	3.19%	$500

Flex Certificate Accounts & Flex IRA Certificate Accounts

Account	APY	Dividend Rate	Minimum to Open
12-Month Flex	5.59% ^{3 6}	5.44%	$750

Save Smart Certificate Accounts

Account	APY	Dividend Rate	Minimum to Open
8-Month	0.50% ^{2 3}	0.49%	$250

IRA Savings

Account	APY	Dividend Rate	Minimum to Open
Traditional, Roth, & Coverdell Education Savings	0.02% ^{2 3}	0.02%	$0

Rates are accurate as of 09/01/2023 and are subject to change without notice. APY = Annual Percentage Yield

RATES DISCLOSURES

1 Primary Savings Account requires $0.01 minimum balance.

2 Rates are accurate as of 09/01/2023 and are subject to change without notice.

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 an account is $0.00, except for Primary Savings, which is $.01, College Savings and IRA Savings which is $5; Mortgage Savings which is $100; PaySmart which is $25; tiered money market account which is $500; and certificate account or IRA certificate account which is $500. 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 money market first tier, which is $500; money market second tier $10,000, money market third tier which is $50,000, money market fourth tier, which is $100,000, and money market fifth tier, which is $250,000. 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.

3 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, and any agreement to which the Truth in Savings Disclosure and Account Agreement references.

4 Maturity date of Holiday Club Account is October 1.

5 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. Premier Checking Primary Account holders will receive a rate reduction of 0.25%. The monthly payment is not decreased as a result of this discounted rate. Does not apply to Flex Lock HELOCs. Does not apply to introductory rate periods or other promotional rate offers.

6 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 7/1/23 through 9/30/23. 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 determined by adding .25% to the 3-month Treasury Bill auction investment rate 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.