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P.O. Box 1429
Kingston, NY 12402

Mid-Hudson Valley Credit Union is headquartered in Kingston and is the 22nd largest credit union in the state of New York. It is also the 287th largest credit union in the nation. It was established in 1963 and as of December of 2013, it had grown to 174 employees and 62,372 members. Mid-Hudson Valley Credit Union's money market rates are 25% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must live, work, worship, volunteer or attend school in Ulster, Dutchess or Orange County. - See Details

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Data for Q4 2013

Institution Health


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 December 31, 2013 Mid-Hudson Valley Credit Union had $14.87 million in non-current loans and owned real-estate with $67.5 million in equity and loan loss allowances on hand to cover it. This gives Mid-Hudson Valley Credit Union a Texas Ratio of 22.03% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Mid-Hudson Valley Credit Union increased slightly from 13.84% as of December 31, 2012 to 22.03% as of December 31, 2013, resulting in a negative change of 59.22%. This indicates that the balance sheet and financial strength for Mid-Hudson Valley Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Mid-Hudson Valley Credit Union has increased its total deposits by $8.07 million, resulting in 1.19% 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 Mid-Hudson Valley Credit Union has shown is above average.



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. Mid-Hudson Valley Credit Union has $769.22 million in assets with $67.5 million in equity, resulting in a capitalization level of 8.77%, which is average.

Institution Statistics

NCUA #15766
Year Chartered1963
Primary Regulator
Assets and Liabilities
Assets$769.22 million
Loans$462.62 million
Deposits$686.84 million
Equity Capital$63.16 million
Loan Loss Allowance$4.34 million
Unbacked Noncurrent Loans$14.05 million
Real Estate Owned$819,000
Historic Data - December 2012
Assets$759.33 million
Equity Capital$68.55 million
Loan Loss Allowance$3.98 million
Unbacked Noncurrent Loans$14.05 million
Real Estate Owned$208,000
Profit Margin - Quarterly
Net Interest Margin4.59%
Return on Assets0.17%
Return on Equity2.1%
Interest Income$26.83 million

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Mid-Hudson Valley Credit Union Savings Account Rates

0.10%$100-Savings Account
0.10%$100-IRA Savings Account

Mid-Hudson Valley Credit Union Money Market Rates

0.55%$500k-Premier Money Market
0.50%$300k-Money Market Account
0.15%$1k-Money Management Account

Mid-Hudson Valley Credit Union Checking Account Rates

0.55%$200k-Business Ultra Checking
0.25%$50k-Ultra Checking

Mid-Hudson Valley Credit Union CD Rates

1.55%$500-5 Year CD
1.35%$500-4 Year CD
1.05%$500-3 Year CD
0.80%$500-30 Month CD
0.75%$500-24 Month CD
0.75%$25k-12 Month VIP CD (Variable)
0.60%$500-18 Month CD
0.60%$500-18 Month Adjustable CD (Variable)
0.60%$100k-12 Month Jumbo CD
0.50%$500-12 Month CD
0.40%$100k-6 Month Jumbo CD
0.35%$500-9 Month CD
0.30%$500-6 Month CD
0.20%$500-1 Month CD
0.20%$500-3 Month CD

Mid-Hudson Valley Credit Union IRA Rates

1.55%$100-5 Year IRA
1.35%$100-4 Year IRA
1.05%$100-3 Year IRA
0.80%$100-30 Month IRA
0.80%$100-30 Month IRA (Variable)
0.75%$100-24 Month IRA
0.75%$25k-12 Month VIP IRA (Variable)
0.60%$100-18 Month IRA (Variable)
0.60%$100-18 Month IRA
0.55%$100-12 Month IRA (Variable)
0.50%$100-12 Month IRA
0.35%$500-9 Month IRA

Mid-Hudson Valley Credit Union has 12 locations. Click to view all Mid-Hudson Valley Credit Union locations.