What are the current interest rates at Mid-Hudson Valley Federal Credit Union?

Current rates for Mid-Hudson Valley Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.50%, 24-Month CD: 3.75%, 60-Month CD: 3.00%, Savings: 0.05%, MMA: 2.90%

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Mid-Hudson Valley Federal Credit Union

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Mid-Hudson Valley Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mid-Hudson Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Mid-Hudson Valley Federal Credit Union's top rates as of October 13, 2026 are 4.15% APY on its 15 Month CD, 0.05% APY on savings, 2.90% APY on money market accounts, 3.00% APY on checking, 6.50% on its Biweekly 15 Year Fixed mortgage, personal loans from 7.99% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other Mid-Hudson Valley Federal Credit Union CD rates include IRA CDs - 15 Month at 4.15%, 24 Month CD at 3.75%, and IRA CDs - 24 Month at 3.75%. Other Mid-Hudson Valley Federal Credit Union mortgage rates include 15 Year Fixed Rate at 6.50%, 30 Year Fixed Rate at 7.50%, and 20 Year Fixed Rate at 7.50%. MonitorBankRates evaluates the financial stability of Mid-Hudson Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.32%. Rates last updated and verified on 10/13/2026.

Mid-Hudson Valley Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mid-Hudson Valley Federal Credit Union? Share your experience about Mid-Hudson Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mid-Hudson Valley Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.32%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mid-Hudson Valley Federal Credit Union
Credit Union Center

1099 Morton Blvd
Kingston, NY 12401

https://mhvfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Mid-Hudson Valley Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month Certificate	4.07%	4.15%	15 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 15 Month	4.07%	4.15%	15 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
24 Month Certificate	3.68%	3.75%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
24 Month Certificate	-	3.75%	24 months
Min Deposit $500 Details $500 minimum opening deposit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 24 Month	3.68%	3.75%	24 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
12 Month Jumbo Certificate	3.44%	3.50%	12 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Oct 9, 20263.50%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
18 Month Certificate	3.44%	3.50%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 5, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
18 Month Certificate	-	3.50%	18 months
Min Deposit $500 Details $500 minimum opening deposit Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 5, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 18 Month	3.44%	3.50%	18 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 5, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
12 Month Certificate	3.34%	3.40%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 5, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
12 Month Certificate	-	3.40%	12 months
Min Deposit $500 Details $500 minimum opening deposit Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 5, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
12 Month VIP - Variable Certificate	3.34%	3.40%	12 Month
Min Deposit $25,000 Min Balance $25,000 Details Variable rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 12 Month	3.34%	3.40%	12 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 5, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
9 Month Certificate	3.20%	3.25%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25% Oct 5, 20263.25%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 9 Month	3.20%	3.25%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25% Oct 5, 20263.25%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
6 Month Jumbo Certificate	3.05%	3.10%	6 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
30 Month Certificate	2.96%	3.00%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
36 Month Certificate	2.96%	3.00%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
48 Month Certificate	2.96%	3.00%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
6 Month Certificate	2.96%	3.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
6 Month Certificate	-	3.00%	6 months
Min Deposit $500 Details $500 minimum opening deposit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
60 Month Certificate	2.96%	3.00%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 30 Month	2.96%	3.00%	30 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 36 Month	2.96%	3.00%	36 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 48 Month	2.96%	3.00%	48 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
IRA Certificates - 60 Month	2.96%	3.00%	60 Month
Min Deposit $100 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Savings Rates

Product	Rate	APY	View More
APY Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details $100; Balance to Earn APY: $100 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business APY Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details $100; Savings, Business, Holiday & Health Savings; Balance to Earn APY: $100 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.86%	2.90%
Min Deposit $1,000,000 Min Balance $1,000,000 Details Balance: $1,000,000 and over; Rates effective 10/1/26; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 5, 20262.90%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market	2.62%	2.65%
Min Deposit $300,000 Min Balance $300,000 Details $300,000; Balance: $300,000; Rates effective 10/1/26; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 5, 20262.65%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market	2.37%	2.40%
Min Deposit $100,000 Min Balance $100,000 Details $100,000; Balance: $100,000; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.; Rates effective 10/1/26. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 5, 20262.40%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market	1.00%	1.00%
Min Deposit $50,000 Min Balance $50,000 Details $50,000; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply. Fees could reduce earnings on this account. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market	0.20%	0.20%
Min Deposit $25,000 Min Balance $25,000 Details $25,000; Balance: $25,000; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply. A low balance fee of $10.00 applies if the average monthly balance is below the minimum required. Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Balance to Earn APY: $1,000; Rates effective 10/1/26 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Checking Rates

Product	Rate	APY	View More
High Yield Checking: to $10,000	2.96%	3.00%
Min Balance $0 Details $0.01; Qualifications Required; Balance: $0.01 to $10,000; Advertised APY applies to balances up to $10,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Ultra Checking	0.15%	0.15%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Business Ultra Checking	0.15%	0.15%
Min Deposit $0 Min Balance $200,000 Details Balance: $200,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Business Ultra Checking	0.10%	0.10%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Business Ultra Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Biweekly 15 Year Fixed	6.50%	-	6.506%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.76% → 6.51% ▲ 0.75 pts · high 6.51% / low 5.76% Oct 13, 20266.51%▲ from 5.76% Sep 18, 20265.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
15 Year Fixed Rate	6.50%	-	6.522%
No additional details. Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.02% → 6.52% ▲ 0.50 pts · high 6.52% / low 6.02% Oct 2, 20266.52%▲ from 6.40% Sep 25, 20266.40%▲ from 6.02% Sep 14, 20266.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
30 Year Fixed Rate	7.50%	-	7.565%
No additional details. Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.06% → 7.57% ▲ 0.50 pts · high 7.57% / low 7.06% Oct 2, 20267.57%▲ from 7.44% Sep 25, 20267.44%▲ from 7.06% Sep 14, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
20 Year Fixed Rate	7.50%	-	7.584%
No additional details. Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.08% → 7.58% ▲ 0.50 pts · high 7.58% / low 7.08% Oct 2, 20267.58%▲ from 7.46% Sep 25, 20267.46%▲ from 7.08% Sep 14, 20267.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Biweekly 30 Year Fixed	7.50%	-	7.601%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.10% → 7.60% ▲ 0.50 pts · high 7.60% / low 7.10% Oct 13, 20267.60%▲ from 7.10% Sep 18, 20267.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car, Truck & Motorcycle Loans - 1-36 Months Term	-	-	4.99%	1-36 months
Details As Low As; Rate special effective 10/1/26; Rates reflect a .25% discount for automatic payments from MHV checking or savings Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
New Car, Truck & Motorcycle Loans - 37-66 Months Term	-	-	5.69%	37-66 months
Details As Low As; Rate special effective 10/1/26; Rates reflect a .25% discount for automatic payments from MHV checking or savings Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
New Car, Truck & Motorcycle Loans - 67-72 Months Term	-	-	5.79%	67-72 months
Details As Low As; Rate special effective 10/1/26; Rates reflect a .25% discount for automatic payments from MHV checking or savings Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
New Car, Truck & Motorcycle Loans - 73-84 Months Term	-	-	6.54%	73-84 months
Details As Low As; Rate special effective 10/1/26; Rates reflect a .25% discount for automatic payments from MHV checking or savings Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV, Boat & ATV Loans	-	7.25%	1-36 Months
Details As Low As; APR* as low as; Rates reflect a .25% discount for automatic payments from your MHV checking or savings Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
RV, Boat & ATV Loans	-	7.75%	34-48 Months
Details As Low As; APR* as low as; Rates reflect a .25% discount for automatic payments from your MHV checking or savings Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
RV, Boat & ATV Loans	-	8.25%	49-60 Months
Details As Low As; APR* as low as; Rates reflect a .25% discount for automatic payments from your MHV checking or savings Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	13.00%
Details Published APR range: 13.00 to 17.24%. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Visa Signature Rewards	-	14.00%
Details Published APR range: 14.00 to 18.00%. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Visa Platinum Business	-	15.75%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 16.50% → 15.75% ▼ 0.75 pts · high 16.50% / low 15.75% Oct 5, 202615.75%▼ from 16.50% Sep 14, 202616.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	7.99%
Details As Low As; Fixed rate; combine higher-rate balances into a single payment; no hidden fees; includes 0.25% discount for automatic payments from an MHV account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Personal Loan	7.99%	0-47 Months Term
Details $300 - $25,000; As Low As; Rate available to member in good standing, based on credit qualifications; loans from $300 to $25,000; .25% discount for automatic payments from MHV savings or checking Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 9, 20267.99%▲ from 7.49% Sep 21, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Personal Loan	7.99%
Details As Low As; Fixed rate; Signature loan amounts $300 to $25,000; jumbo loans up to $35,000; no application or origination fees; no prepayment penalty; includes 0.25% discount for automatic payments from an MHV account Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 13, 20267.99%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Personal Loan	8.99%	48-60 Months Term
Details $300 - $25,000; As Low As; Rate available to member in good standing, based on credit qualifications; loans from $300 to $25,000; .25% discount for automatic payments from MHV savings or checking Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 8.49% → 8.99% ▲ 0.50 pts · high 8.99% / low 8.49% Oct 13, 20268.99%▲ from 8.49% Sep 21, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Visa Signature Rewards	14.00%
Details Published APR range: 14.00 to 18.00%. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Mid-Hudson Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 Year Adjustable Rate Loan	6.50%	-	6.843%	10 years
Details Mortgage - Adjustable Rate Products; All loans subject to approval Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
5 Year Adjustable Rate Loan	6.125%	-	6.928%	5 years
Details Mortgage - Adjustable Rate Products; All loans subject to approval Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.93% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
7 Year Adjustable Rate Loan	6.25%	-	6.843%	7 years
Details Mortgage - Adjustable Rate Products; All loans subject to approval Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Line of Credit	-	-	12.99%	Up to 60 Months
Details As Low As; APR* as low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Line of Credit	-	-	12.99%
Details As Low As; Lines up to $10,000; no hidden fees; available to members in good standing based on credit qualifications Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
SONYMA Loan	6.50%	-	6.514%
Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 5.91% → 6.51% ▲ 0.60 pts · high 6.51% / low 5.91% Oct 9, 20266.51%▲ from 6.11% Sep 29, 20266.11%▲ from 6.01% Sep 18, 20266.01%▲ from 5.91% Sep 14, 20265.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.05%	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.05%	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.05%	-	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.10%	-	0.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.15%	-	0.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.20%	-	0.20%
Min Deposit $2,500 Min Balance $200,000 Details Balance: $200,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.20%	-	0.20%
Min Deposit $2,500 Min Balance $300,000 Details Balance: $300,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.20%	-	0.20%
Min Deposit $2,500 Min Balance $400,000 Details Balance: $400,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Tiered Balance to Earn	0.25%	-	0.25%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Mid-Hudson Valley Federal Credit Union’s Texas Ratio stayed near 1.91% in Q3 2023 to 2.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.7B	2.32%	5.0	A+
March 31, 2026	$1.7B	3.16%	5.0	A+
December 31, 2025	$1.7B	3.35%	5.0	A+
September 30, 2025	$1.6B	3.48%	5.0	A+
June 30, 2025	$1.6B	2.75%	5.0	A+
March 31, 2025	$1.6B	2.05%	5.0	A+
December 31, 2024	$1.6B	2.40%	5.0	A+
September 30, 2024	$1.5B	1.92%	5.0	A+
June 30, 2024	$1.5B	4.57%	5.0	A+
March 31, 2024	$1.4B	2.48%	5.0	A+
December 31, 2023	$1.4B	2.40%	5.0	A+
September 30, 2023	$1.4B	1.91%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mid-Hudson Valley Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Mid-Hudson Valley Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mid-Hudson Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mid-Hudson Valley Federal Credit Union

Website https://mhvfcu.com

Address 1099 Morton Blvd, Kingston, NY 12401

Phone 845-336-4444

Fax 845-336-6925

President Gary Anderson

CEO Razi Qadri

Full-Time Employees 258

Part-Time Employees 32

Branch Locations 13

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.32%

Return on Assets (ROA)

0.3543%

Return on Equity (ROE)

3.5893%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

1,701,679,739

Total Amount of Shares and Deposits

1,520,195,269

Total Shares and Deposits < 1 Year

1,457,212,507

Total Shares and Deposits 1 3 Years

58,998,078

Total Shares and Deposits > 3 Years

3,984,683

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

125,020,547

Total Uninsured Shares and Deposits > $250K (F+J)

125,020,547

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,395,174,722

Total Interest Expense (Sum of items 6 8)

10,716,179

Share Certificates

11,841

Number of Accounts for Share Drafts

56,890

IRA KEOGH Accounts

3,367

Number of Accounts for Regular Shares

110,804

All other shares

1,760

Money Market Shares

1,336

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

137,020,761

Total Liabilities

1,542,562,938

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mid-Hudson Valley Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Mid-Hudson Valley Federal Credit Union

How many branches does Mid-Hudson Valley Federal Credit Union operate?

Mid-Hudson Valley Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Mid-Hudson Valley Federal Credit Union?

Yes, to access services at Mid-Hudson Valley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Mid-Hudson Valley Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mid-Hudson Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mid-Hudson Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Mid-Hudson Valley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://mhvfcu.com.

Current Mid-Hudson Valley Federal Credit Union Rates

12-Month CD3.40%
18-Month CD3.50%
24-Month CD3.75%
60-Month CD3.00%
Savings0.05%
MMA2.90%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Mid-Hudson Valley Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mid-Hudson Valley Federal Credit Union Texas Ratio

Mid-Hudson Valley Federal Credit Union Health Trend

Mid-Hudson Valley Federal Credit Union CD Rates

Mid-Hudson Valley Federal Credit Union Savings Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mid-Hudson Valley Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mid-Hudson Valley Federal Credit Union

How many branches does Mid-Hudson Valley Federal Credit Union operate?

Is a member application needed to join Mid-Hudson Valley Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mid-Hudson Valley Federal Credit Union offer online and mobile banking?

Current Mid-Hudson Valley Federal Credit Union Rates

Compare to Other Credit Unions