Credit union · NCUA insured
Hudson Valley Credit Union CD Rates
Hudson Valley Credit Union’s best CD rate is 3.88% APY on a 1-year share certificate (CD). Rates checked October 16, 2026.
How Hudson Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Hudson Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hudson Valley Credit Union
3.88%APY
- Term
- 12 months
- Minimum
- $750
- Earns on $10,000
- $388
Flex Certificate Account
Top rate
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
2nd-highest rate
International Bank of Chicago
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Flex Certificate Account
3.88%APY · 1 term
Variable APY based on Effective Federal Funds Rate (EFFR) in effect on the last Thursday of each quarter. Minimum opening balance $750. APY effective as of 10/1/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsBase rate | 3.88% | $388 |
Sources (3)
- hvcu.org/personal/bank/account-rates
- hvcu.org/personal/bank/certificate-accounts
- hvcu.org/personal/bank/certifi…lex-certificate-accounts
All captured Oct 16, 2026
Special-purpose accounts
Fixed Rate Certificate
Up to 4.10%APY · 7 terms
Minimum opening balance $500 for standard tier. Available as IRA certificate. Jumbo tier ($50,000) earns stated APY + 0.05%. Jumbo tier ($100,000) earns stated APY + 0.10%. Substantial penalty for early withdrawal.
| Term | APY · Any balance | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months($100,000) earns stated APY plus 0.10% | — | — | 0.30% | —0.30% from $100k | — |
| 3 months($50,000) earns stated APY plus 0.05% | — | 0.25% | — | —0.25% from $50k | — |
| 3 monthsBase rate. Minimum balance to earn APY: $500 | 0.20% | — | — | 0.20% | $5 |
| 6 months($100,000) earns stated APY plus 0.10% | — | — | 0.60% | —0.60% from $100k | — |
| 6 months($50,000) earns stated APY plus 0.05% | — | 0.55% | — | —0.55% from $50k | — |
| 6 monthsBase rate. Minimum balance to earn APY: $500 | 0.50% | — | — | 0.50% | $25 |
| 12 months($100,000) earns stated APY plus 0.10% | — | — | 3.75% | —3.75% from $100k | — |
| 12 months($50,000) earns stated APY plus 0.05% | — | 3.70% | — | —3.70% from $50k | — |
| 12 monthsBase rate. Minimum balance to earn APY: $500 | 3.65% | — | — | 3.65% | $365 |
| 24 months($100,000) earns stated APY plus 0.10% | — | — | 3.95% | —3.95% from $100k | — |
| 24 months($50,000) earns stated APY plus 0.05% | — | 3.90% | — | —3.90% from $50k | — |
| 24 monthsBase rate. Minimum balance to earn APY: $500 | 3.85% | — | — | 3.85% | $785 |
| 36 months($100,000) earns stated APY plus 0.10% | — | — | 4.10% | —4.10% from $100k | — |
| 36 months($50,000) earns stated APY plus 0.05% | — | 4.05% | — | —4.05% from $50k | — |
| 36 monthsBase rate. Minimum balance to earn APY: $500 | 4.00% | — | — | 4.00% | $1,249 |
| 48 months($100,000) earns stated APY plus 0.10% | — | — | 4.15% | —4.15% from $100k | — |
| 48 months($50,000) earns stated APY plus 0.05% | — | 4.10% | — | —4.10% from $50k | — |
| 48 monthsBase rate. Minimum balance to earn APY: $500 | 4.05% | — | — | 4.05% | $1,721 |
| 60 months($100,000) earns stated APY plus 0.10% | — | — | 4.20% | —4.20% from $100k | — |
| 60 months($50,000) earns stated APY plus 0.05% | — | 4.15% | — | —4.15% from $50k | — |
| 60 monthsBase rate. Minimum balance to earn APY: $500 | 4.10% | — | — | 4.10% | $2,225 |
Sources (2)
All captured Oct 16, 2026
IRA Flex Certificate Account
3.88%APY · 1 term
Variable APY tied to Effective Federal Funds Rate (EFFR). Changes quarterly. Minimum opening balance $750. APY effective as of 10/1/26. Earns same rates as regular Flex.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsBase rate. Variable APY | 3.88% | $388 |
Sources (3)
- hvcu.org/personal/bank/account-rates
- hvcu.org/personal/bank/certificate-accounts
- hvcu.org/personal/bank/certifi…lex-certificate-accounts
All captured Oct 16, 2026
Save Smart Certificate Account
0.50%APY · 1 term
Membership required. Designed for younger savers. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months | 0.50% | $33 |
Sources (2)
All captured Oct 16, 2026
Who can join Hudson Valley Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.