Borrow Smarter

Home | Auto | Personal | Business

Local. Committed. Supportive.

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    Local Expertise

    We’re more than just a financial institution- we’re also your neighbors, and we know what matters to you.

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    Personalized Guidance

    From first-time borrowers to experienced buyers; we offer one-on-one support tailored to your goals.

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    Streamlined Process

    We're with you at every step - so you can focus on what matters most.

Here for all of your milestones

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For Every Chapter of Your Home Journey

Whether you're a seasoned home owner or looking to tap into your home's equity, our home loan products are available to help you on your home loan journey:


New Ride or Better Rate - Drive Your Way

If you're ready to drive away happy or looking for a better rate on your existing auto loan, learn more about our auto loan financing options:

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For the Moments That Matter - Big or Small

Need to consolidate debt or finance a vacation? Those are just a couple reasons why a personal loan may be right for you. Learn more about MHV Personal Loans:


Fueling Local Business, Powering Our Community

From small startups to larger corporations, we have the tools to help your business grow.

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At MHV, you're not just a transaction

  • I love the ease of banking close to home, the many opportunities to get loans, and the wonderful people who work at the branches.
    Angela M.
  • My experiences with MHV has been great! I recently applied for a Home Equity loan. The service was wonderful! Everyone that handle my loan was courteous, everything was explained no matter how many question I asked.
    Anna W.

Learn How to Borrow Smarter for Life's Big Moments

  • Family driving in a car
    Auto

    5 Steps to Take Before Buying a New Car

    Discover how to simplify car buying with this guide, including finance management, getting pre-approved for a car loan, and negotiation strategies.
    Learn More
  • Couple applying for a personal loan
    Credit, Loans and Debt

    Can I Spend My Personal Loan on Anything?

    Can you really use a personal loan for anything? Just about. Here’s how personal loans work, why they’re often better than credit cards, and the 4 most common uses.
    Learn More
  • Couple asking questions
    Home

    Top Questions to Ask Before Buying a House

    Before you even start hunting for your dream house, there are important questions you need to get the answers to. What are the tax implications of buying a home? What if I don’t have a down payment? Can I actually afford to own a home?
    Learn More

Commonly asked questions about loans

  • MHV offers auto, recreational vehicle, boat, and motorcycle loans

  • In person – visit any Branch location to make a payment. Payments can be made at the teller line or with the Personal Tellers.

    Over the phone - We can easily transfer funds from your MHV accounts to pay your loans with us. We also accept payments from non-MHV accounts via debit card or ACH. Please note there is a fee for payments made via debit card or ACH. Please see our Fee Schedule. 

    Online - To schedule one-time or recurring payments to an MHV Loan or Mortgage:

    • From an MHV account, simply click Transfers & Payments > Loan & Credit Card Payments
    • From a non-MHV account, first link your external account under the Transfers & Payments tab > Manage External Accounts. Once your account is added, click Transfers & Payments > Loan & Credit Card Payments
  • Please visit our Rates page for today's mortgage rates. 

  • Please visit our Rates Page to see our current rates.

    • First, you will know exactly how much house you can afford. This will help you focus your search and use your time more efficiently.
    • Getting pre-qualified gives you buying power because the seller knows you have financing lined up, making you more attractive to them.

    Learn more about mortgages and get pre-qualified here.

  • To apply for a home equity or mortgage refinance, please visit our Mortgage Center here. 

    If you have any questions about the loan application process, please contact us at 845.336.4444.

  • MHV is a credit union, which means you need to be eligible for membership. Anyone who lives, works, worships, attends school, or volunteers in Ulster, Orange, Dutchess, Rockland, Sullivan, Westchester, or Putnam counties is eligible. Your Savings Account, opened at time of application, secures your membership with MHV.
  • There are many factors that impact your eligibility. At a minimum, you must have proof of income and a credit score of at least 640. If you’re self-employed, you will be asked to provide your tax records as proof of income.