Become a Member

Why Bank with Hudson Valley Credit Union?

For almost 60 years, HVCU has helped xxx,xxx households successfully navigate financial challenges in every stage of life and business. Authentic interactions with our members and competitive banking solutions are the reason we are over $6 billion in assets, and one of the largest credit unions in New York State.

Open a Banking Account

HVCU membership helps you save, borrow, and manage your finances with sensibility. We put in effort to ensure that you are well-informed so that we can deliver an exceptional banking experience. If you live, work, run a business, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselear, Rockland, Saratoga, Schenectady, Ulster, or Westchester County, you are eligible to join Hudson Valley Credit Union. 

  • What you’ll need to join
  • State Driver’s License
  • State Non-Driver’s ID
  • Passport
  • Military ID
  • Permanent Resident Card (I-551)
  • Employee Authorization Card (I-766)

Business Banking Solutions

You may not think about a credit union when it comes to opening your business accounts, but you should. We specialize in finding tailored financial solutions that make banking easier for you. 



Commercial Mortgage

Checking and saving account options 
for small to mid-sized businesses

Manage cash flow with affordable business loans, credit cards and lines of credit

Commercial Mortgage
Expand, renovate, or build your commercial property with loans up to $10 million

HVCU is a community created by you, for you

Hudson Valley Credit Union is a community-based financial cooperative—giving you, our member, a democratic vote in the way we operate and do business. Our footprint spans the region, reaching as far south as Westchester and as far north as Saratoga. We’ve evolved over time, but our commitment to meeting the needs of our surrounding community and delivering affordable banking products and services has remained the same. Discover the credit union difference.

HVCU Timeline

A banking institution that puts you first

We believe in responsible banking and we’re dedicated to acting with integrity. For us, it’s about building relationships that allow us find the right balance of accounts and financing that’s equitable and fair. As your trusted financial partner, you can be sure that your HVCU accounts will work as hard as you do.

What Your Neighbors Are Saying

  • Image of Man in yellow sweatshirt looking out car window
    HVCU Member
    15 Years
    HVCU has helped me in all aspects of my banking needs. I have had a line of credit, taken car loans and had multiple checking and savings accounts.

    Rating star-4-5 out of 5 stars.
  • Image of Girl banking on her phone
    HVCU Member
    20 Years
    Online Services are easy to navigate. In person service is friendly and efficient.

    Rating star-5 out of 5 stars.
  • Image of Couple moving in
    HVCU Member
    7 Years
    HVCU made getting my first mortgage a very pleasant experience.

    Rating star-4-5 out of 5 stars.
  • Accessible and Local

    Later hours than traditional banks, 21 regional branches, and 85,000+ surcharge-free nationwide ATMs.

  • Help When It Matters Most

    In-branch support, live chat, and local customer service reps.

  • Banking That's Convenient

    Use your HVCU Visa® Debit rewards card for purchases, and manage your accounts online with Internet Banking and Mobile Banking.