Hudson Valley Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Arlington	4 Tucker Dr, Poughkeepsie, NY 12603	View Lobby Hours
Hollowbrook	11 Marshall Rd, Wappingers Falls, NY 12590	View Lobby Hours
Poughkeepsie	159 Barnegat Rd, Poughkeepsie, NY 12601	View Lobby Hours
Boardman Road	137 Boardman Rd, Poughkeepsie, NY 12603	View Lobby Hours
Montgomery	30 Hawkins Dr, Montgomery, NY 12549	View Lobby Hours
Highland	101 Tillson Avenue Ext, Highland, NY 12528	View Lobby Hours
Brewster	Brewster Towne Centre, Brewster, NY 10509	View Lobby Hours
New Windsor	265 Windsor Hwy, New Windsor, NY 12553	View Lobby Hours
Kingston	1639 Route 9W, Lake Katrine, NY 12449	View Lobby Hours
Hopewell Junction	415 Route 376 Ste 1, Hopewell Junction, NY 12533	View Lobby Hours
IBM On-site Branch, Bldg. 330	2070 Route 52, Hopewell Junction, NY 12533	View Lobby Hours
Civic Center	1 Civic Center Plz, Poughkeepsie, NY 12601	View Lobby Hours
Newburgh	953 Route 300, Newburgh, NY 12550	View Lobby Hours
IBM On-site Branch, Bldg. 705	2455 South Rd, Poughkeepsie, NY 12601	View Lobby Hours
Hyde Park	499 Albany Post Rd, Hyde Park, NY 12538	View Lobby Hours
Beacon	324 Main St, Beacon, NY 12508	View Lobby Hours
Pleasant Valley	12 North Ave, Pleasant Valley, NY 12569	View Lobby Hours
Middletown	40 Lloyds Ln, Middletown, NY 10940	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1945532	6.391%	6.250%	0.50	$4,800	$1,971	Learn More
NMLS ID: 2578474 License#: 2578474	6.469%	6.375%	0.63	$3,149	$1,997	Learn More
NMLS ID: 1835285	6.470%	6.375%	1.00	$3,200	$1,997	Learn More
NMLS ID: 447490	6.501%	6.375%	0.88	$4,256	$1,997	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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