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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Hudson Valley Credit UnionVisa® SignatureRegistry illustration · issuer artwork unavailable

Visa® SignatureHudson 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
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Purchase APR
15.75%–16.50%
variable
Balance transfer
15.75%–16.50%
variable
Cash advance APR
15.75%–16.50%
variable
Annual fee
$0
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases15.75%–16.50% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“15.75% to 16.50%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfers15.75%–16.50% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“15.75% to 16.50%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances15.75%–16.50% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“15.75% to 16.50%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
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, 2026Website
Transaction fees
Cash advance3% 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, 2026Website
Balance transfer—no source read
Foreign transaction—no source read
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, 2026Website
Returned payment—no source read
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular15.75% to 16.50%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“15.75% to 16.50%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Signup bonuspoints award25,000 points. Spend $3,000 on eligible purchases. Qualify within 3 calendar months after account opening. Award posts 4–6 weeks after the 3-month qualification period ends. Offer expiration not disclosed. You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit…”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
PurchasesNot disclosed2 points per $1. See source conditions for eligible purchases.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Get 2 points for every dollar spent.”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Two points earned for every dollar spent.Not disclosed2 points per $1. See source conditions for eligible purchases.HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Two points earned for every dollar spent.”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsPurchasesPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Get 2 points for every dollar spent.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Get 2 points for every dollar spent.”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditionsPurchasesYou will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit…”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards conditionsTwo points earned for every dollar spent.Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Two points earned for every dollar spent.HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Two points earned for every dollar spent.”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website