Open An Account

You must be a member of Hudson Valley Credit Union to open an account. If you live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties, you are eligible to join the credit union.

Personal Accounts

Please note: If you are opening a Teen Checking Account or College Savings Account for a minor who is not already an HVCU member, select No when answering the question that asks if you are currently a member.

Open a Personal Account

Required Documentation to Open a Personal Account

We offer three options to fund your new accounts:

  • Use a credit card or debit card
  • Transfer funds from an institution other than HVCU
  • Transfer funds from an existing HVCU account

Please note: If you are opening your account(s) with an electronic transfer of funds from an account at another financial institution, you will need to validate two small deposits and two small withdrawals that we make from that account. You will receive an additional email from us with further instructions about this process. Once validated, the funds will be deposited to your new account.   

Some new account applications are instantly approved by our system, but if yours is not one of those applications, we’ll provide a status update via email, when available. Additionally, you can check the status of your application directly from our website or when logged into Internet Banking or Mobile Banking:

If you are not logged into Internet Banking or Mobile Banking, click the Track Account Application link from the Personal / Bank menus on our website. Enter your info and click the Get Status button.

If you are logged into Internet Banking or Mobile Banking, click the New Account/Loan App menu under Accounts & Loans. Enter your info and click the Check Status button.

Application Status

Here are the status designations you may see when checking your application:

  • Approved/Instant Approved: You can proceed with your new account or loan.
  • Pending/Referred: A decision will be made within 24-48 hours.
  • Declined/Instant Declined: Written notification will be mailed to you.

Business Accounts

To open a new business account, please complete our contact form. A representative will reach out to you and assist with opening your account. If you are an existing business member and would like to open an additional account, please schedule an appointment at a branch near you.

Open a Business Account

Required Documentation to Open a Business Account

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