Credit union · NCUA insured
Mid-Hudson Valley Federal Credit Union Savings Rates
Mid-Hudson Valley Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Mid-Hudson Valley Federal Credit Union’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Savings 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
Mid-Hudson Valley Federal Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.40%
- QualifiedQualified0.05%
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 Mid-Hudson Valley Federal 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.
$1,000,000 Money Market
2.90%APY
If balance falls below the minimum stated, the current savings account APY will apply. A low balance fee of $10.00 will be assessed if the average monthly balance is below the minimum required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000,000 and upLow balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies.$1,000,000 and up | 2.90% | — | Low balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies. |
$300,000 Money Market
2.65%APY
If balance falls below the minimum stated, the current savings account APY will apply. A low balance fee of $10.00 will be assessed if the average monthly balance is below the minimum required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300,000 and upLow balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies.$300,000 and up | 2.65% | — | Low balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies. |
$100,000 Money Market
2.40%APY
If balance falls below the minimum stated, the current savings account APY will apply. A low balance fee of $10.00 will be assessed if the average monthly balance is below the minimum required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upLow balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies.$100,000 and up | 2.40% | — | Low balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies. |
$50,000 Money Market
1.00%APY
If balance falls below the minimum stated, the current savings account APY will apply. A low balance fee of $10.00 will be assessed if the average monthly balance is below the minimum required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upLow balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies.$50,000 and up | 1.00% | — | Low balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies. |
Tiered Money Market
0.05%APY
Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.05% | $5 |
| $10,000 and up | 0.05% | $5 |
| $25,000 and up | 0.05% | — |
| $50,000 and up | 0.10% | — |
| $100,000 and up | 0.15% | — |
| $200,000 and up | 0.20% | — |
| $300,000 and up | 0.20% | — |
| $400,000 and up | 0.20% | — |
| $500,000 and up | 0.25% | — |
$25,000 Money Market
0.20%APY
If balance falls below the minimum stated, the current savings account APY will apply. A low balance fee of $10.00 will be assessed if the average monthly balance is below the minimum required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upLow balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies.$25,000 and up | 0.20% | — | Low balance fee of $10.00 assessed if average monthly balance is below the minimum required. If balance falls below minimum, current savings account APY applies. |
Money Market
0.05%APY
Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.05% | $5 |
Savings Account
0.05%APY
$5 minimum opening deposit establishes membership share. Dividends compounded and credited monthly using daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalance to earn APY is $100. Minimum to open is $5.$100 and up | 0.05% | $5 | Balance to earn APY is $100. Minimum to open is $5. |
Special-purpose accounts
Health Savings Account
0.05%APY
For those with a high-deductible health plan to save for qualified healthcare expenses. Dividends compounded and credited monthly using daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalance to earn APY is $100. Minimum to open is $5.$100 and up | 0.05% | $5 | Balance to earn APY is $100. Minimum to open is $5. |
Holiday Savings Account
0.05%APY
Save gradually throughout the year and keep holiday funds separate from everyday saving and spending. Dividends compounded and credited monthly using daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalance to earn APY is $100. Minimum to open is $5.$100 and up | 0.05% | $5 | Balance to earn APY is $100. Minimum to open is $5. |
IRA Savings
0.05%APY
Dividends compounded and credited monthly. Daily balance method used to calculate dividends. Available as Traditional, Roth, and Coverdell Educational.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum balance of $100 to earn disclosed APY.$100 and up | 0.05% | $5 | Must maintain a minimum balance of $100 to earn disclosed APY. |
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.