Check Out Our Savings Rates
Savings Account
Our primary savings account may be used as a source of overdraft protection for a checking account, or as collateral for our savings secured line of credit
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.
Premier Savings Account
College Savings Account
Earn credit bonuses when the annual savings goals are reached (see below).3
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.
College Savings Annual Bonus
To earn annual bonuses, you must:
- Open the account before your child turns 17
- Make at least 10 monthly deposits of at least $10 and
- Increase the savings balance by $100 each anniversary year3
College Savings Bonus Structure
Age Bonus | Per Year |
|---|---|
| 1-5 | $25 |
6-10 | $50 |
11-15 | $75 |
16-18 | $100 |
Mortgage Savings Account
Earn $1 for every $5 deposited. Earn up to $1,0004 towards closing costs. Account must be open for ten months.
$100 minimum opening deposit, with a $100 monthly deposit requirement.
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.
Holiday Club Account
Stop into any of our branches to open a Holiday Club account.
Coverdell Education Savings Account
Save up to $2,000 per child, per year in your Coverdell Education Savings Account.
Access Your Account 24/7, Using:
- Internet Banking/Mobile Banking
- Mobile Wallet
- HVCU Visa® Debit Card
- More than 85,000+ surcharge-free ATMs nationwide
Additionally, direct deposit via ACH (Automated Clearing House) is today’s safest, fastest, most convenient way to deposit your paycheck, Social Security, or other recurring payment.
Your Money Is Protected
Accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit mycreditunion.gov(Opens in a new window) to learn more about your Share Insurance Coverage.
Savings Calculators
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Important Legal Disclosures & Information
Your accounts insured by the National Credit Union Share Insurance Fund to at least $250,000. Visit mycreditunion.gov to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more.
The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.
1 The minimum requirement of par value for a membership share is $.01 deposited in a primary savings account. An average daily balance of $.01 is required to maintain membership.
2 There is no minimum balance required to open a Premier Savings or earn the disclosed APY. 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 of $45. 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.
3 APY=Annual Percentage Yield. The APY is 0.02%, effective as of 4/24/25, and is subject to change without notice. The minimum balance to open a College Savings is $5.00. Parent or guardian must be joint. Minor must also have a Primary Savings account with a $0.01 minimum balance. Fees may reduce earnings. Rates are variable and may change after account opening. The bonus will be credited to the College Savings account annually, at month end, on the anniversary date of account opening in accordance with the Eligibility Requirements described in our Truth in Savings and Account Agreement. May be subject to IRS reporting.
4 APY=Annual Percentage Yield. The APY is 0.02%, effective as of 4/24/25, and is subject to change without notice. Account holder(s) is eligible to receive a lender credit of $1 for every $5 deposited up to a maximum of $1,000 toward closing costs when obtaining a mortgage loan through HVCU. Eligibility requires a separate Primary Savings membership account with a $0.01 minimum balance, a minimum opening deposit of $100, monthly deposits of $100 for a minimum of 10 months, and obtaining approval to close on an HVCU mortgage within 36 months of account opening. The lender credit is limited to one credit per mortgage and borrower may only receive the credit once. Withdrawal requests require the closing of the Mortgage Savings account. The Mortgage Savings account will automatically close and the balance will transfer to the member’s existing Primary Savings account. The closure will occur at the quarterly dividend posting following 36 months and the anniversary date of the original account opening. Lender credit amount is determined when a completed mortgage application is submitted and may be subject to change based on available mortgage programs.
5 Tax laws are subject to change. Contact a tax professional for more details.