Hudson Valley Credit UnionVisa® PlatinumRegistry illustration · issuer artwork unavailable
Visa® PlatinumHudson Valley Credit Union · federal credit union, NY · NCUA 24984
CurrentLast observed Oct 14, 2026Source date Oct 13, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, 12 months | 0%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “0%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| 14.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “14.75% to 18.00%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 months | 0%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “0%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| After | 14.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “14.75% to 18.00%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR for cash advances | 14.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “14.75% to 18.00%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | $0HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “$0”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 3% of the amount, 3%HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “3%”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | — | no source read | |
| Foreign transaction | 1% of the amount, 1%HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1%”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | |||
| Late payment | $25, $25HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “$25”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Returned payment | — | no source read | |
| Other APRsoutside the standard boxes | 0%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “0%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Cash advance · Introductory; Cash advance · Regular; Purchase · Introductory; Purchase · Regular | APR=Annual Percentage Rate. Make purchases, cash advances, and balance transfers from other non-HVCU creditors and enjoy a 0% APR for the first 12 months of Visa Platinum credit card account opening. Thereafter, the APR will revert to the variable rate in effect after the 12 month introductory period, currently 14.75% to 18.00% APR. Variable APRs vary with the market based on the Prime Rate. This 0% introductory offer is valid for new HVCU Visa Platinum credit card accounts only. All other credit cards, including Visa Secured, are not eligible for this offer and may be not be combined with any other offers or discounts unless otherwise expressly noted. No exceptions will be made or considered. This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU expressly reserves the right to terminate this offer at its discretion at any time and without further notice provided to you. Rewards and/or rebates are not eligible with this offer. After the introductory period, rates for this product are as low as stated and are determined by an evaluation of applicant credit; your rate may vary from the rate shown.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “APR=Annual Percentage Rate. Make purchases, cash advances, and balance transfers from other non-HVCU creditors and enjoy a 0% APR for the first 12 months of Visa Platinum credit card account opening. Thereafter, the APR will revert to the variable rate in effect after the 12 month introductory period, currently 14.75% to 18.00% APR. Variable APRs vary with the market based on the Prime Rate. This…”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |