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Hudson Valley Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases15.75%–16.50% variableHUDSON 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, 2026Website
APR for cash advances15.75%–16.50% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual fee$0HUDSON 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, 2026Website
Balance transfer—
Foreign transaction—
Penalty fees
Late payment$25, $25HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Returned payment—
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular15.75% 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, 2026Website
PurchasesNot disclosed2 points per $1. See source conditions for eligible purchases.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, 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, 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, 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, 2026Website