Credit union · NCUA insured
Hudson Valley Credit Union Savings Rates
Hudson Valley Credit Union’s best savings rate is 0.15% APY on $10,000, with its Tiered Money Market Account. Rates checked October 16, 2026.
How Hudson Valley Credit Union’s savings 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
0.15%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $15
Tiered Money Market Account
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
International Bank of Chicago
3.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $320
Hudson Valley Credit Union savings score
68
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Hudson Valley Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Savings Accounts
0.02%APY
Limited to one joint owner and only one account per primary member. To qualify, must receive an aggregate minimum of $500 monthly in qualifying direct deposit(s) to primary checking account and maintain an average daily share balance of $500 in primary checking account. If not met, converts to traditional savings account.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $25,000$0 to open | 0.02% | $0 | $2 |
| $25,000 – $50,000$25,000 to open | 0.02% | $25,000 | — |
| $50,000 – $75,000$50,000 to open | 2.25% | $50,000 | — |
| $75,000 – $100,000$75,000 to open | 2.75% | $75,000 | — |
| $100,000 and up$100,000 to open | 3.25% | $100,000 | — |
Sources (2)
All captured Oct 5, 2026
Tiered Money Market Account
0.15%APY
Membership required. Subject to a monthly fee per Fee Schedule, waived by maintaining a minimum daily balance of $1,000.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1,000 and upFirst Tier rate. Monthly fee waived with a minimum daily balance of $1,000. · $1,000 to open | 0.15% | $1,000 | $15 | First Tier rate. Monthly fee waived with a minimum daily balance of $1,000. |
| $10,000 and upSecond Tier rate. Monthly fee waived with a minimum daily balance of $1,000. · $10,000 to open | 0.15% | $10,000 | $15 | Second Tier rate. Monthly fee waived with a minimum daily balance of $1,000. |
| $50,000 and upThird Tier rate. Monthly fee waived with a minimum daily balance of $1,000. · $50,000 to open | 0.20% | $50,000 | — | Third Tier rate. Monthly fee waived with a minimum daily balance of $1,000. |
| $100,000 and upFourth Tier rate. Monthly fee waived with a minimum daily balance of $1,000. · $100,000 to open | 0.30% | $100,000 | — | Fourth Tier rate. Monthly fee waived with a minimum daily balance of $1,000. |
| $250,000 and upFifth Tier rate. Monthly fee waived with a minimum daily balance of $1,000. · $250,000 to open | 0.50% | $250,000 | — | Fifth Tier rate. Monthly fee waived with a minimum daily balance of $1,000. |
Sources (2)
All captured Oct 5, 2026
Mortgage Savings
0.02%APY
Requires a separate Primary Savings membership account with a $0.01 minimum balance. $100 monthly deposit requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn up to $1,000 towards closing costs ($1 for every $5 deposited) when obtaining a mortgage loan through HVCU; requires account open for minimum 10 months with $100 monthly deposits and mortgage closing approval within 36 months of opening.Any balance | 0.02% | $2 | Earn up to $1,000 towards closing costs ($1 for every $5 deposited) when obtaining a mortgage loan through HVCU; requires account open for minimum 10 months with $100 monthly deposits and mortgage closing approval within 36 months of opening. |
Sources (2)
All captured Oct 5, 2026
Savings
0.02%APY
The first (or primary) savings account establishes HVCU membership. Requires $0.01 minimum balance/average daily balance to maintain membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
PaySmart Accounts
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (1)
- hvcu.org/personal/bank/account-rates · captured Oct 5, 2026
Special-purpose accounts
College Savings
0.02%APY
For members under 18; parent or guardian must be joint. Minor must also have a Primary Savings account with a $0.01 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTo earn annual bonuses, account must be opened before child turns 17, make at least 10 monthly deposits of at least $10, and increase savings balance by $100 each anniversary year.Any balance | 0.02% | $2 | To earn annual bonuses, account must be opened before child turns 17, make at least 10 monthly deposits of at least $10, and increase savings balance by $100 each anniversary year. |
Sources (2)
All captured Oct 5, 2026
Holiday Club
0.02%APY
Established to accept regular deposits of at least $8 a month. Maturity date is October 1, when funds are automatically deposited into a checking or savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
IRA Savings: Traditional, Roth, & Coverdell Education Savings
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.02% | $2 |
Sources (2)
All captured Oct 5, 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.