Credit union · NCUA insured
Hudson Valley Credit Union Credit Card Rates
Hudson Valley Credit Union credit cards start at 15.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Hudson Valley Credit Union’s credit card rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Hudson Valley Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Hudson Valley Credit Union
15.75%APR
- Up to
- 18.00% APR
Visa Platinum Rewards
Lowest rate
Rhinebeck Bank
9.24%APR
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
10.24%APR
- Up to
- 18.00% APR
Hudson Valley Credit Union credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR15.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hudson Valley Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Membership eligibility required. If not already an account holder, opening a Primary savings account with $0.01 is required when the loan is funded. Also available as a Visa Secured Credit Card. Introductory APR applies only to new credit card accounts opened on or after May 12, 2021; not available for credit line increases, refinances, or HVCU credit card transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR for first 12 months on purchases, cash advances, and balance transfers from non-HVCU creditors for new accounts. No annual fee. Balance transfer fee 2.5%, cash advance fee 3%, foreign transaction fee exchange rate + 1%. |
| Ongoing | 14.75%–18.00% | None | Variable APR after 12-month introductory period, based on creditworthiness and Prime Rate. Margin 8.00% to 12.25%. Monthly periodic rate 1.27% to 1.50%. No annual fee. Balance transfer fee 2.5%, cash advance fee 3%, foreign transaction fee exchange rate + 1%. |
Visa Platinum Cash Rewards
Membership eligibility required. If not already an account holder, opening a Primary savings account with $0.01 is required when the loan is funded. Also available as a Visa Secured Credit Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.75%–18.00% | None | Variable APR based on creditworthiness and Prime Rate. |
Sources (2)
All captured Oct 16, 2026
Visa Platinum Rewards
Membership eligibility required. If not already an account holder, opening a Primary savings account with $0.01 is required when the loan is funded. Also available as a Visa Secured Credit Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.75%–18.00% | None | Variable APR based on creditworthiness and Prime Rate. |
Sources (2)
All captured Oct 16, 2026
Visa Signature
Membership eligibility required. If not already an account holder, opening a Primary savings account with $0.01 is required when the loan is funded.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.75%–16.50% | None | Variable APR based on creditworthiness and Prime Rate. |
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.