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Hudson Valley Federal Credit Union Auto Loans

Hudson Valley Auto LoansHudson Valley Federal Credit Union (HVFCU) is a full service financial institution that offers services ranging from savings to financial planning, and everything in between. Today the institution has 273,000 members that live, work, or worship in Dutchess, Orange, Ulster, and Putnam counties in New York. The headquarters for Hudson Valley Federal Credit Union are located in Poughkeepsie, NY.

Auto Loans from Hudson Valley FCU

HVFCU auto loans are available to individuals and businesses alike. The credit unions wide variety of auto loan options include pre-approval, on-line application, and new vehicle loan rates as low as 2.49 percent (as of 9-19-14).

To make loans available to a wider offers a forgiving set of loan guidelines. In addition to offering loans to members who have less than stellar credit scores, the credit union offers car loans with higher loan-to-value (LTV) ratios. Where many institutions restrict loans to LTVs of 115 percent maximum, Hudson Valley allows loans up to 130 percent of the MSRP for new cars and 130 percent of the NADA value of used vehicles.

Despite having lending guidelines that are more forgiving than you will find at large national banks, Hudson Valley does require a credit check and that you provide many of the same verifications that those banks will request. For instance, you must show: a driver’s license, proof of employment, and proof of full coverage insurance on the vehicle being purchased.

Current Direction

Hudson Valley FCU was founded in 1963 as the IBM Poughkeepsie Employees Federal Credit Union. The credit union’s initial mission was to provide a financial instituiton ”where the needs of the individual would be placed before profit.” That vision has not changed despite a name change and growth to multiple locations and 273,000 members.

Contact Information

If you would like more information about Hudson Valley Federal Credit Union auto loans, you can visit the HVFCU website ( or you can call customer service at 800-468-3011. Should you need to send an item through regular mail, the address is

Hudson Valley Federal Credit Union
159 Barnegat Rd.
Poughkeepsie, NY 12601