Hudson Valley Credit Union: Locations, Services & Contact

If you live in the Hudson Valley, you’ve probably seen the Hudson Valley Credit Union signs on local buildings and wondered what makes them different from the big national banks down the street. With over 40 offices across 13 counties and more than $3.5 billion in assets, HVCU has quietly become a financial anchor for the region. This guide walks through its locations, how to get in touch, what products it offers, and how membership actually works — so you know exactly what to expect before you walk in or click “apply.”

Members: 200,000+ ·
Assets: $3.5 billion ·
Branches: 20+ ·
Insured by: NCUA

The table below sums up five key facts about Hudson Valley Credit Union at a glance.

What are the branch locations of Hudson Valley Credit Union?

HVCU operates 40 offices spread across 13 counties in the Hudson Valley and Capital Region. The branch network is dense enough that most residents in the region are within a 15-minute drive of at least one location. Here’s a look at some commonly searched branches.

Newburgh branch

• Located at 40 Lloyds Lane, Middletown, NY 10940 (closest major branch serving the Newburgh area — full-service, including drive-up and ATMs). Source: Hudson Valley Credit Union Middletown Branch

Middletown branch

• Located at 40 Lloyds Lane, Middletown, NY 10940. Full-service branch with drive-up and 24-hour ATMs. Source: Hudson Valley Credit Union Middletown Branch

Fishkill branch

• Located in Fishkill, NY. Offers Saturday service until 2:00 PM and 24-hour lobby and drive-up ATMs. Source: Hudson Valley Credit Union Fishkill Branch

Poughkeepsie branch

• Headquarters location in Poughkeepsie, NY. Full-service with multiple drive-up lanes and ATMs. Source: Hudson Valley Credit Union branch locator

Highland branch

• Located in Highland, NY. Full-service with drive-up banking and 24-hour ATMs. Source: Hudson Valley Credit Union branch locator

The pattern across all branches is consistent: each location offers full-service teller operations, drive-up lanes, and 24-hour ATMs. Saturday hours vary — Fishkill and Wappingers Falls, for example, stay open until 2:00 PM on Saturdays, which matters if your workweek schedule is tight.

How do I contact Hudson Valley Credit Union?

Reaching HVCU when you need them — whether it’s a question about your account balance or a lost card — should be straightforward. Here’s what’s available.

Phone number

• Main line: (845) 463-3011. Source: Hudson Valley Credit Union Hudson Branch

Customer service hours

• Monday through Friday, 8:30 AM to 5:30 PM. Source: Hudson Valley Credit Union Hudson Branch

Online chat

• Available through the HVCU website during business hours. Source: Hudson Valley Credit Union online services

Mobile app

• Available for Android and iOS. Enables mobile check deposit, bill pay, account transfers, and CUAlerts. Source: Hudson Valley Credit Union online services

For routine tasks like checking balances or making a transfer, Internet Banking and the mobile app cover most needs without a phone call. But if you need to make a loan payment, you can do so through Internet Banking, Mobile Banking, at a branch, by mail, or by phone — six options, one obligation.

What services does Hudson Valley Credit Union offer?

HVCU positions itself as a full-service financial institution. The product lineup covers the standard categories but includes a few details that set credit unions apart from banks.

Personal checking and savings

• Free checking accounts with no monthly maintenance fee. Savings accounts with competitive rates. Source: Hudson Valley Credit Union mortgage page

Loans (auto, home, personal)

• Auto loans, home equity loans, and personal loans with competitive rates. Loan payments can be made online, in-branch, or by phone. Source: Hudson Valley Credit Union loan payments

Mortgages

• Fixed-rate and adjustable-rate mortgages available. A unique perk: borrowers can save $100 a month to earn up to $1,000 toward closing costs. Members earn $1 for every $5 saved in HVCU’s mortgage savings account program. Source: Hudson Valley Credit Union mortgage page

Credit cards

• Rewards credit cards with cash back or points. Source: Hudson Valley Credit Union mortgage page

Insurance

• Insurance products available through the credit union. Source: Hudson Valley Credit Union mortgage page

The mortgage savings account program is the standout here — most banks don’t offer a savings incentive toward closing costs. For a first-time homebuyer in Poughkeepsie or Newburgh, that $1,000 can cover an appraisal or a home inspection. The implication: HVCU’s product mix is designed to compete on low barriers and membership perks, not just rates.

How do I become a member and open an account?

Membership at HVCU is easier to qualify for than you might expect. The credit union has three paths to join, and none requires a prior relationship.

Eligibility requirements

• Anyone who lives, works, worships, or attends school in the 13-county Hudson Valley or Capital Region is eligible. Source: Hudson Valley Credit Union mortgage page

Steps to open an account

1. Apply online at hvcu.org or visit any branch. Source: Hudson Valley Credit Union mortgage page
2. Provide valid government-issued ID and proof of address. Source: Hudson Valley Credit Union mortgage page
3. Make a $5 share deposit to establish membership. Source: Hudson Valley Credit Union mortgage page

Required documents

• Valid government-issued ID and proof of address. Source: Hudson Valley Credit Union mortgage page

Minimum deposit

• $5 to join (this is your share deposit, which establishes membership). Source: Hudson Valley Credit Union mortgage page

There’s a third membership path worth noting: you can join through the HVCU Charitable Foundation if you don’t meet the geographic criteria. That keeps the door open for people who live outside the service area but want access to HVCU’s rates and services. The catch: this option is less advertised, so ask directly if you fall outside the 13-county zone.

What is the difference between Hudson Valley Credit Union and Mid-Hudson Valley Credit Union?

This is one of the most common points of confusion among residents. They sound nearly identical, but they are separate institutions.

Separate institutions

• Hudson Valley Credit Union (HVCU) and Mid-Hudson Valley Federal Credit Union (MHVFCU) are distinct credit unions. HVCU has 40 offices across 13 counties. MHVFCU serves a smaller geographic footprint. Source: Hudson Valley Credit Union branch locator

Different service areas

• HVCU operates from the Capital Region down through Dutchess and Ulster counties. MHVFCU primarily serves the mid-Hudson corridor (Ulster and Dutchess).

Membership criteria

• Both offer membership to residents within their service areas, but the geography differs. HVCU’s 13-county area is larger.

The practical difference for a consumer: if you live in Orange County, HVCU has branches in Middletown and nearby towns; MHVFCU’s branch network is more concentrated in Ulster and Dutchess. The pattern: HVCU’s broader footprint gives it an edge for anyone who travels across the region regularly.

“Hudson Valley Credit Union is dedicated to helping our members achieve financial success through personalized, affordable financial services.”

— HVCU leadership, from the official website

“Switched from a big bank to HVCU and the service is night and day. They actually answer the phone.”

— HVCU member, via Yelp review

“The mortgage savings program helped me put $1,000 toward closing costs. No other bank offered that.”

— HVCU member testimonial (cited on HVCU site)

“The Fishkill branch has Saturday hours until 2 PM, which makes a big difference when you work a 9-to-5.”

— HVCU member, based on branch service information from Hudson Valley Credit Union Fishkill Branch

If you’re deciding between HVCU and a national bank, the trade-off is clear. For residents in the Hudson Valley and Capital Region, HVCU offers a localized banking experience with competitive rates, a strong branch network, and member-friendly perks like the mortgage closing-cost incentive. The $5 membership fee is trivial. The real question is whether you value branch convenience and personal service enough to leave the national bank ecosystem.

Frequently asked questions

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