Hudson Valley Federal Credit Union

This bank is a classic 1970s bank — nice tellers, they love to chat and are pleasant. And that’s where it ends. Mortgage department is atrocious — ask 3 people the same question and you’ll get 3 different answers. Their online banking is hard to use, is down a lot and does not work with Quick Books. It’s as if this bank just found out about technology and the Internet. If having people tell you they’re «sorry» a dozen times when you call constitutes good customer service, I’ll pass thank you. Time to move to a different bank.

I have been banking with HVFCU for a little over 3 years now. My fiancé and I are wanting to buy a house, he also uses HVFCU, and thought it would be a good idea to get the mortgage through them. I have never had a problem with them until it came to getting mortgage. It has been the most regretful experience of my life. It took days before he had even gotten back to us, we had very important life changing decisions and questions and just brushed us off. It was very unprofessional and not good customer service. Also, my fiancé is also considering not banking with HVFCU anymore. I am really disappointed and expected more. I would not recommend anyone getting there mortgage though HVFCU.

I recommended HVFCU to a relative for a mortgage and the whole process has been a nightmare! I don’t know what is going in inside that operation but how do you blow a slam dunk with amazing credit??? Dropping the ball at every turn. Come on people… You made me look bad!

I have to say– I’ve never had a bad experience with HVFCU. They’ve got long hours, friendly staff, great services, and coin machines at every branch I’ve ever been to.
I’ll frequent the New Windsor or Newburgh branches. New Windsor tends to be a bit less crowded, but it seems that the Newburgh location is staffed with more people to handle the load.
I’ve discussed mortgage products with Michael Delgado at the Newburgh branch. He knows is stuff, and I plan to utilize his services when purchasing my home.
I’d caution you, the reader, to take some of the other reviews with the grain of salt. Some people are complaining that their card was shut down because of charges that the bank thought were fraud– that’s only for your protection. It’s well known that one should notify their bank before traveling across the country or to some place you haven’t been to.
Again, I’ve got nothing but good things to say about this establishment. It’s a class act.

My family and I have numerous auto loans with this horrible institution. Every month it’s the same thing with insurance not being present. Seems every month I have to call and proff I have insurance. Money is always being added to my loan never goes down even after I pay my payment there excuse we bought insurance on your behalf. And we are talking about figures like 3500.00 for one month of coverage. The payment went from 518.00 a month to 598.00 to 754.00. After it was proven full coverage insurance was present and my account was credited for thousands of dollars at a time the payment never went down. Every time I call they say «we don’t have an answer» I can’t say if the payment will go down its not my department”. Or the best one is «we will have the loan department call you» guess what they never do! It’s a game they play they keep increasing the payment on the consumer to collect more interest. Diffently will not be sad to see this organized crime organization close it’s doors. They have to be stopped from stealing from hardworking citizens.

I’ve had multiple accounts, both personal and business at this bank for about 15 years and am extremely unhappy with what its become. The only reason I am still with them is simply because I haven’t had the time to research my options. Since HVFCU switched over to their «new» look and «new» website, it has been a god awful MESS. You don’t need to know the details of my account issues, but you should know that the people who answer the phones? They don’t care. I am convinced they don’t even do what they tell you they’re doing, as it’s been my experience that NOTHING I’ve been told they’d do, gets done. Another huge issue I have is that my bank cards get cancelled without notice, on average, once every 3 months, because they get hacked and our cards get compromised. I just received notification that a card I used 6 months ago, and has since been cancelled, was used and declined in New Windsor, NY. (not me) I do not feel my money is safe here any more, and will be leaving in 2016. The mid and lower level staff is poor to mediocre, at best, and I would not recommend this bank to anyone.

HORRIBLE — cancelled my cc for fraud and didn’t tell me. Then they took away my online access because I’m not the primary account holder and didn’t tell me either till I called and held for OVER 30 MINUTES!!! I hate the big banks, but they customer service is the worst!

hvfcu is a bad institution, when i on june 17 – 2015, i went into their branch in poughkeepsie, ny, and changed my address to belleview florida, and on august 26– 2015, i called them trying to get my statement for the month of june, and the person i spoke with, told me that they didn’t have anything saying that i’ve changed my address. i needed the statemen, because, i’m buying a home in florida, and my bank here asked me for it, if i was in a place, were i had no access to a computer, i would never be able to get the statemen, becasue they denied to me, though i gave them all the information they asked me for.
today august 27 – 2015, i called the branch manager, by the name down, and she told me, that the new address i gave them, was erased on july-24−2015, and when i asked her how something like this could happened, she told me no one have done it, that the address was erased by the computer. i told her, a computer will never do anything by itself, a person by mistake, may erased something from a computer, but an institution, like a bank, has a system, where everything is save, and not one can erase anything at less is intentionally done.

Years ago was great bank but unfortunatly has gone down hill… Would deff recomend any other bank in hudson valley.

The only reason I’m still with this awful bank is because my parents insist on having a joint account with me for part of my cash at this place, and it’s been the bank they’ve used for years because it used to be IBM credit union back in the 80s and 90s and my father still works for them across the street.
That said, these people are still operating like the inception of the Internet was yesterday, and if you care at all about online banking, I would pass on this thing. I don’t live in the local area anymore, I’ve moved on for college, job, and now grad school — I rely on the website to get anything done that requires my authorization. I’ve had multiple problems with their website, from retrieving forgotten passwords to getting transactions done to printing my documents. If you ever forget your password (and who doesn’t, because every site has their password rules and changing passwords yearly /​seasonally is common), you will be in for a treat when it comes to retrieving it. The website is SLOW, although I’ll give them credit for being a little better since the last major redesign. I had to recently open a savings account with them, due to a new policy, and page for page, everything loaded at an eye-​rolling pace. By the time I got through all the pages necessary to open the account (and also read all the fine print for every page, because you’d be a moron not to), it timed me out (after 10 minutes, even though I was actively clicking through every page) and I had to go through the whole process again. Completely BS. Printing out the PDFs of my bank statements for a home loan was also a nightmare — on both safari and chrome, it had trouble working.
When I told my mother the website was hard to use, she passed on the message when she was there in person and said it was inconvenient because I don’t live in the local area. They also told my mother if I go to Stanford, then I shouldn’t be too dumb to use their website. Absolutely unprofessional and disrespectful of their customers. There’s a ton of banks that make life easier for their customers, not tougher, especially in today’s mobile society. Maybe they should consider that if their customers have trouble using their website, it might actually be something about their website (who would have ever thought it!). If I ever get told that again from this place, I will be too happy to shut down everything I have with them, from CDs to checking accounts because I absolutely have no good reason to have anything to do with this place, aside from it being a preference of my parents who live in the local area (and I’m just respecting their wishes) and are secondary owners of these accounts that were created when I was a child.
Aside from that, transactions are often done incorrectly, or we get incorrect information passed by people working there, or we end up here multiple times to get just a single thing done. Flat out inefficient.
Overall, I have very few reasons to recommend this place, service is unprofessional, and they need to catch up with the digital age (hint: engineers are across the street and getting laid off. Hire one to work on this horrible website).

I asked HVFCU to write out a check to myself and send it to me due to that I cannot find my check book. After a few months, I did not received a check from them. Then I found my check book and write a check to myself and deposit into my chase account. The check got bounded and they charged me with a NSF fee. I called them and asked them what happen to my money. They told me I have no money in my account. At first, I thought someone have hacked into my account and stole all of my money. I kept on telling the customer representative on the phone that I have money in my account and much more than it is showing. She did not believed me and refused to look into what happened. She keep on telling me that I have no money in my account.
After 30 minutes of me asking her repeatedly to look into my account, she finally decided to do it. Then she told me that my money is held and deducted from my account when I asked them to send a check to myself even if it has not cashed.
Since I never received the check they sent, I asked HVFCU to credit back the NSF fee. They told me that it is my fault for not receiving the check they sent. They refused to refund me this credit to me. They blamed everything on me. I am not sure if they even sent the check in the first place. I should not be treated like a criminal when money is missing in my account. These people are thefts and should be avoided. Take your money to somewhere else that is safe. They will eventually steal your money in someway. Just look at BBB and all of the complaints of HVFCU.

After receiving commitment letter from HVFC for a mortgage on a manufactured home code 270, after being told we had EXCELLENT credit, after being told we had an EXTREMELY LOW DTI, after nearly a month of back-​n-​forth we were told they are now denying mortgage because it isn’t classified 210.
Our attorney and their attorney both explained to their underwriter that NYS has a separate code for manufactured home (270) and it can never be changed however the HVFC underwritten wouldn’t change her mind.
Odd, their own attorney said that wasn’t right! WARNING: if you are looking for a mortgage on a manufactured home, LOOK ELSEWHERE!

I have used several different banks throughout the years. M&T, Charter One, Citizens, Bank of America, Chase, SEFCU and now HVFCU. HVFCU easily stands out above all of the others especially in customer service. In the past year+ since I have joined HVFCU it has been a great experience all around. I started off with just a checking and savings account and it was a secondary bank for me. Since then I have transferred everything I can to HVFCU and they are my primary banking institution for everything now. I am very happy with this credit union and I will certainly use them for everything I can going forward and I will definitely recommend them to all of my friends and family.

TERRIBLE!!! Been a member for 15+ years. I hold with them multiple accounts, multiple loans over the years, savings/​checking and business accounts.
Until recently I’d give them a good review. Good hours. But they’ve completely dropped the ball and I’ll be closing ALL of my accounts!!! A simple credit increase on one of my cards has turned into one of my oldest credit accounts being closed and a new one opened. This will ultimately lead to my ever important credit score dropping because one of my oldest accounts is being closed but also the countless hours I must spend transferring all of my information to the new CC #.
I own a small business in which time is crucial and precious. I do not need the headache of spending time updating all my account information and possibly missing one which could lead to delayed purchase. Plus losing a huge chunk of credit history. My intentions were clearly explained multiple times and was assured this would not be a problem/​or would happen. Take your business elsewhere where their employees may be properly trained as to not screw you in the long run even if you must deal with more traditional banking hours. I’m disgusted with their gross mishandling with this!!!

UPDATE: Well, they did make good on their promise — within a day the card was reinstated, the erroneous finance charges were removed from the next bill and the cash reward points were properly applied. Now I can love the bank!

Excellent customer service. Free services. Overdraft protection. Open Saturdays and evenings. No fee checking. Easy to deal with. Fast loan process.
Been a member for 30 years. Have or had checking acct, saving acct, mortgages, home equity loan, car loans, line of credit, credit cards … all through HVFCU and never and issue and always excellent service.

I have been with HVFCU for 11 years. I liked their money market accounts and CDs very much in the beginning however nowadays they are not competitive anymore. I use their free Bill Pay service and checking account a lot and I am very happy with those. Their online banking is okay but they are not really set up to do a lot of things online or per email, meaning pretty much none. This is probably the biggest draw-​back.
Overall they are much better (= no /​low fees) than many of their small and big competitors but they are lacking overall in their online strategy.

Great bank!
Open longer hours than any bank in our area.
The people are nice too.