Hudson Valley Credit Union

159 Barnegat Road
Poughkeepsie, NY 12601
800.468.3011
www.hvfcu.org

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Hudson Valley Credit Union is headquartered in POUGHKEEPSIE and is the 5^th largest credit union in the state of New York. It is also the 32^nd largest credit union in the nation. It was established in 1963 and as of September of 2011, it had grown to 659 employees and 249,673 members. Hudson Valley Credit Union has a 5-star health rating.

Competitive CD Rates Continue at Hudson Valley Credit Union in New York - Local Only - 10/17/2010

Hudson Valley Credit Union continues to offer several competitive CD and IRA CD Rates. Below are some of the best rates as listed in the credit union's rates page as of 10/17/2010: 3.00% APY 5-y ...

Competitive CD Rates at Hudson Valley CU in New York - Local Only - 7/12/2010

Hudson Valley FCU is offering several competitive CD and IRA CD Rates. The rates are not great, but they are respectable in today's low-rate environment. The credit union also provides a nice bump in ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Hudson Valley Credit Union Checking Account Rates

Apy	Min	Max	Product
0.50%	-	-	Enhanced Business Checking
0.10%	-	-	Checking
0.10%	-	-	HSA Checking

Hudson Valley Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Savings
0.25%	-	-	Holiday Club
0.25%	-	-	IRA Savings
0.25%	-	-	Roth IRA Savings
0.25%	-	-	CESA Savings
0.25%	-	-	Business Savings

Hudson Valley Credit Union Money Market Rates

Apy	Min	Max	Product
0.75%	$250k	-	Money Market Account
0.75%	$250k	-	Business Money Market

Hudson Valley Credit Union CD Rates

Apy	Min	Max	Product
2.20%	$500	-	60 - 84 Month CD
2.20%	$500	-	60 - 84 Month Business CD
1.80%	$500	-	48 - 59 Month CD
1.80%	$500	-	48 - 59 Month Business CD
1.50%	$500	-	36 - 47 Month CD
1.50%	$500	-	36 - 47 Month Business CD
1.15%	$500	-	24 - 35 Month CD
1.15%	$500	-	24 - 35 Month Business CD
1.00%	$500	-	18 - 23 Month CD
1.00%	$500	-	18 - 23 Month Business CD
0.85%	$500	-	12 - 17 Month CD
0.85%	$500	-	12 - 17 Month Business CD
0.55%	$500	-	6 - 11 Month CD
0.55%	$500	-	Save Smart 8-Month CD
0.55%	$500	-	6 - 11 Month Business CD
0.40%	$500	-	3 - 5 Month CD
0.40%	$500	-	3 - 5 Month Business CD
0.28%	$750	-	12 Month Flex CD
0.28%	$750	-	12 Month Flex Business CD

Hudson Valley Credit Union IRA Rates

Apy	Min	Max	Product
2.20%	$500	-	60 - 84 Month IRA
2.20%	$500	-	60 - 84 Month Roth IRA
2.20%	$500	-	60 - 84 Month CESA
1.80%	$500	-	48 - 59 Month IRA
1.80%	$500	-	48 - 59 Month Roth IRA
1.80%	$500	-	48 - 59 Month CESA
1.50%	$500	-	36 - 47 Month IRA
1.50%	$500	-	36 - 47 Month Roth IRA
1.50%	$500	-	36 - 47 Month CESA
1.15%	$500	-	24 - 35 Month IRA
1.15%	$500	-	24 - 35 Month Roth IRA
1.15%	$500	-	24 - 35 Month CESA
1.00%	$500	-	18 - 23 Month IRA
1.00%	$500	-	18 - 23 Month Roth IRA
1.00%	$500	-	18 - 23 Month CESA
0.85%	$500	-	12 - 17 Month IRA
0.85%	$500	-	12 - 17 Month Roth IRA
0.85%	$500	-	12 - 17 Month CESA
0.55%	$500	-	6 - 11 Month IRA
0.55%	$500	-	6 - 11 Month Roth IRA
0.55%	$500	-	6 - 11 Month CESA
0.40%	$500	-	3 - 5 Month IRA
0.40%	$500	-	3 - 5 Month Roth IRA
0.40%	$500	-	3 - 5 Month CESA
0.28%	$750	-	12 Month Flex IRA
0.28%	$750	-	12 Month Flex Roth IRA
0.28%	$750	-	12 Month Flex CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

HUDSON VALLEY
NCUA #	15802
BankRate Report	View
Year Established	1963
Employees	659
Primary Regulator
Assets and Liabilities
Assets	$3.22 billion
Loans	$1.66 billion
Deposits	$2.90 billion
Equity Capital	$302.63 million
Loan Loss Allowance	$22.10 million
Unbacked Noncurrent Loans	$18.54 million
Real Estate Owned	$1.20 million
Historic Data - September 2010
Assets	$2.97 billion
Equity Capital	$270.91 million
Loan Loss Allowance	$23.07 million
Unbacked Noncurrent Loans	$15.94 million
Real Estate Owned	$2.44 million
Profit Margin - Quarterly
Net Interest Margin	3.64%
Return on Assets	0.75%
Return on Equity	8%
Interest Income	$96.09 million
Non-Interest Income	$25.48 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Hudson Valley Credit Union had $19.73 million in non-current loans and owned real-estate with $324.73 million in equity and loan loss allowances on hand to cover it. This gives Hudson Valley Credit Union a Texas Ratio of 6.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Hudson Valley Credit Union held steady from 6.25% as of September 30, 2010 to 6.08% as of September 30, 2011, resulting in a positive change of 2.77%.This indicates that the balance sheet and financial strength for Hudson Valley Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Hudson Valley Credit Union has increased its total deposits by $210.57 million, resulting in 7.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hudson Valley Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hudson Valley Credit Union has $3.22 billion in assets with $324.73 million in equity, resulting in a capitalization level of 10.10%, which is above average.