--- title: "Mid-Hudson Valley Credit Union Rates: Vehicle 6.24%, Mortgage 7.19%" description: "Mid-Hudson Valley Credit Union rates today: 30 year fixed mortgage 7.19% APR, vehicle loans from 6.24% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Mid-Hudson Valley Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/mid-hudson-valley" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mid-Hudson Valley Credit Union Rates: Vehicle 6.24%, Mortgage 7.19% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.189% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.522% APR | 6.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.208% APR | 7.125% | — | Standard | Mid-Hudson Valley Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **36-Month New Auto Loan** auto_new_36mo | — APR | 5.440% | 36 mo · new | Standard | | **36-Month Used Auto Loan** auto_used_36mo | 6.240% APR | 6.240% | 36 mo · used | Standard | | **RV | Boat | ATV** rv_any_36mo | — APR | 7.250% | 36 mo | Standard | Mid-Hudson Valley Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Debt Consolidation Loan** personal | — APR | 7.990% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.990% | — | Standard | Mid-Hudson Valley Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, Mid-Hudson Valley Credit Union offers a 30-year fixed mortgage at 7.189% APR. Vehicle loans available from 6.24% APR for 36 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/mid-hudson-valley) , verified from [Mid-Hudson Valley Credit Union's official website](https://www.mhvfcu.com/) Best product position **Better than the New York median** 30-year fixed mortgage Gap to state best **65 bp** 65 bp from state best Vs. state median **4 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.19% | Better than the New York median | 65 bp from state best | 4 bp better than median | | used-car loan | 6.24% | Room to improve vs. the New York median | 150 bp from state best | 12 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Mid-Hudson Valley Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=mid-hudson-valley&state=new-york&code=NY&name=Mid-Hudson%20Valley%20Credit%20Union) Loading branch locator… ## About Mid-Hudson Valley Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 95.1K Assets $1.7B Founded 1963 Locations reported 14 NCUA charter 15766 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Hudson Valley** Kingston · Lake Katrine · NY · 12449 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/hudson-valley) [**Ulster** Ulster Avenue · Kingston · NY · 12401 About 2.6 miles away](https://rateapi.dev/credit-unions/new-york/ulster) [**Teg** Hyde Park Office · Hyde Park · NY · 12538 About 14.7 miles away](https://rateapi.dev/credit-unions/new-york/teg) [**Heritage Financial** Heritage Financial CU · New Paltz · NY · 12561-1352 About 17.1 miles away](https://rateapi.dev/credit-unions/new-york/heritage-financial) [**Sunmark** Hudson · Hudson · NY · 12534 About 21.6 miles away](https://rateapi.dev/credit-unions/new-york/sunmark) [**Greylock** Greenport/Hudson · Hudson · NY · 12534 About 24.1 miles away](https://rateapi.dev/credit-unions/massachusetts/greylock) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Mid-Hudson Valley Credit Union Membership eligibility from Mid-Hudson Valley Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mid-Hudson Valley Credit Union's website. Check the membership page below to confirm whether you qualify. - Location dutchess, orange, ulster, westchester, rockland, putnam, sullivan — NY Verified from [Mid-Hudson Valley Credit Union's membership page](https://www.mhvfcu.com/about-mid-hudson-valley-credit-union/our-story) . Final membership determination is always made by the credit union. ## Membership rules for Mid-Hudson Valley Credit Union Geography 7 counties · Family 36 published paths to membership, last verified August 27, 2026, quoted from Mid-Hudson Valley Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Dutchess County, NY - Orange County, NY - Putnam County, NY - Rockland County, NY - Sullivan County, NY - Ulster County, NY - Westchester County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Dutchess County, NY; Orange County, NY; Ulster County, NY; Westchester County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member family, household member “Family and household members are welcome, too!” > [source ↗](https://www.mhvfcu.com/about-mid-hudson-valley-credit-union/our-story) - Family member (family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Mid-Hudson Valley Credit Union? Yes No ## Work at Mid-Hudson Valley Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Mid-Hudson Valley Credit Union ranks against New York peers. - See which AI assistants fetched Mid-Hudson Valley Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mid-hudson-valley&state=new-york&code=NY&name=Mid-Hudson%20Valley%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mid-Hudson Valley Credit Union offer? Mid-Hudson Valley Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Mid-Hudson Valley Credit Union rates updated? RateAPI verifies Mid-Hudson Valley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Mid-Hudson Valley Credit Union's rate data? Rate data is collected directly from Mid-Hudson Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Mid-Hudson Valley Credit Union's mortgage rate? As of November 12, 2026, Mid-Hudson Valley Credit Union offers a 30-year fixed mortgage at 7.189% APR. ### What are Mid-Hudson Valley Credit Union's auto & rv loan rates? As of November 12, 2026, Mid-Hudson Valley Credit Union offers vehicle loans from 6.24% APR. ### Who can join Mid-Hudson Valley Credit Union? Mid-Hudson Valley Credit Union publishes its membership criteria on its own website. RateAPI tracks 36 published membership paths covering 7 counties for Mid-Hudson Valley Credit Union, each quoted from Mid-Hudson Valley Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Mid-Hudson Valley Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mhvfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Mid-Hudson Valley Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Mid-Hudson Valley Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /mid-hudson-valley " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mid-Hudson Valley Credit Union locations Search, filter, and browse all 14 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/mid-hudson-valley Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp