Mid-Hudson Valley Federal Credit Union CD Rates

How Mid-Hudson Valley Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Kiryas Joel, NY, where Mid-Hudson Valley Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Mid-Hudson Valley Federal Credit Union
4.15%APY
Term
15 months
Minimum
$500
Earns on $10,000
$521
Certificates
Top rate
Rhinebeck Bank
4.40%APY
Term
24 months
Minimum
$2,000
Earns on $10,000
$899
Rhinebeck Bank rates
2nd-highest rate
International Bank of Chicago
4.35%APY
Term
12 months
Minimum
$1,000
Earns on $10,000
$435
International Bank of Chicago rates

Compare CD rates near you →

CD score

Higher than 69% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.00%
9–15 months9–15 mo4.15%
16–30 months16–30 mo3.75%
31–60 months31–60 mo3.00%
QualifiedQualified4.15%

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.

How the score works →

Where Mid-Hudson Valley Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Certificates

Up to 4.15%APY · 10 termsFrom $500 to open

Dividends for fixed rate certificates earned at rate in effect when opened; variable rate certificates earned at rate in effect at beginning of month. Substantial penalties imposed for early withdrawal. Rates effective 10/1/26.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $25,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
6 months	3.00%	—	—	3.00%	$149
6 months6 Month Jumbo	—	—	3.10%	—3.10% from $100k	—
9 months	3.25%	—	—	3.25%	$243
12 months	3.40%	—	—	3.40%	$340
12 months12 Month Jumbo	—	—	3.50%	—3.50% from $100k	—
12 months12 Month VIP - Variable	—	3.40%	—	—3.40% from $25k	—
15 months	4.15%	—	—	4.15%	$521
18 months	3.50%	—	—	3.50%	$530
24 months	3.75%	—	—	3.75%	$764
30 months	3.00%	—	—	3.00%	$767
36 months	3.00%	—	—	3.00%	$927
48 months	3.00%	—	—	3.00%	$1,255
60 months	3.00%	—	—	3.00%	$1,593

Sources (1)

mhvfcu.com/rates · captured Oct 5, 2026

Special-purpose accounts

IRA Certificates

Up to 4.15%APY · 9 termsIRAFrom $100 to open

Dividends for fixed rate IRA certificates earned at rate in effect when opened; variable rate IRA certificates earned at rate in effect at beginning of month. Substantial penalties imposed for early withdrawal. Rates effective 10/1/26.

Earnings on $10,000 over the term.
Term	APY · $100 and up	APY · $500 and up	APY · $25,000 and up	APY	Earns on $10,000Earns
9 months	—	3.25%	—	3.25%	$243
12 months	3.40%	—	—	3.40%	$340
12 months12 Month VIP IRA - Variable	—	—	3.40%	—3.40% from $25k	—
15 months	4.15%	—	—	4.15%	$521
18 months	3.50%	—	—	3.50%	$530
24 months	3.75%	—	—	3.75%	$764
30 months	3.00%	—	—	3.00%	$767
36 months	3.00%	—	—	3.00%	$927
48 months	3.00%	—	—	3.00%	$1,255
60 months	3.00%	—	—	3.00%	$1,593

Sources (1)

mhvfcu.com/rates · captured Oct 5, 2026

Who can join Mid-Hudson Valley Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is open to individuals who live, work, worship, volunteer, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester County, New York.

Family and household

Membership is open to immediate family and household members of MHV members.

Other ways

Businesses located in the seven served counties can open business accounts.

Cost to join

Establishing membership requires a minimum deposit of $5 into a Regular Savings account as an ownership share.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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