Raised Hands

Help Center

Find answers to commonly asked questions

General Banking

  • Please visit our Locations page to view all branch locations.

  • Our routing number (221976243) can be found at the top and bottom of any page on our website.
    • To find your account number in Digital Banking, click on the desired account then click Details & Settings.
    • Your statement will also include your account number.

    If you’re enrolled in eStatements, you can access them within Digital Banking by navigating to the Services tab and selecting eStatements & eDocs. You can also access eStatments by clicking eStatements in the Resources tile on the home screen. Once in the statement portal, click on the desired Account Statement. Online eStatement access is available for primary owners only. eStatements are available in Digital Banking through both your browser and Mobile App.

    If not yet enrolled in eStatements, you may request copies by contacting our Call Center at 845.336.4444.

  • There are a few ways to order checks:
     

    1. Click here: www.ordermychecks.com
    2. Go to the “What Would You Like to Do Today?” section on the homepage of our website and select “Order Checks.”
    3. Log in to Digital Banking. Then click the Services tab and select Check Reorder under Account Services. If your contact information has changed, please make sure it is updated in Digital Banking by going to Settings and then selecting Contact Information.
    4. Contact our Call Center at 845.336.4444.
    5. Visit one of our Branch Locations.
    6. Mail in your check reorder form to:
      • Mid-Hudson Valley Federal Credit Union
        P.O. Box 1429
        Kingston, NY 12402
    The cost is based on the style and quantity you choose and will automatically be debited from your MHV Checking Account within 7-10 business days.
     

     

  • Funds from the following deposit types will be available the same business day:

    • Electronic direct deposits
    • U.S. Treasury checks that are payable to you
    • Wire transfers
    • Checks drawn on MHV
    • Cash
    • State and local government checks that are payable to you
    • The first $225 of all other checks deposited

     
    Funds over $225 from the following deposits will be available on the first business day following the day of deposit:

    • Cashier, certified and teller’s checks that are payable to you
    • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you

     
    Other Check Deposits:

    • For other check deposits, the first $225 from the aggregate of deposits will be available immediately.
    • The remaining funds will be available on the second business day after the day of your deposit.
    • If your check deposit exceeds $5,525, the first $225 will be available immediately, the next $5,300 will be available in two business days and the amount over the first $5,525 will be available on the seventh (7th) business day.

     
    Longer Holds on Check Deposits
    We may hold your deposit longer if:

    • There is reason to believe a check you deposit will not be paid
    • You deposit checks totaling more than $5,525 on any one day
    • A check is re-deposited that has been previously returned unpaid
    • You have overdrawn your account and/or have had return deposits repeatedly in the last six months.

     
    Our Funds Availability Policy is subject to change. Please view the Policy for the most up-to-date information.

  • Our Branch Hours are:
    Monday - Friday, 9:00 AM - 5:00 PM
    Saturday: 9:00 AM - 2:00 PM

    Our Call Center hours are:
    Monday - Friday, 9:00 AM - 6:00 PM
    Saturday: 9:00 AM - 2:00 PM 

    Holiday hours and temporary adjustments to business hours will be noted on our website.

  • Access your statements and tax documents in Digital Banking. Click etatements from the Resources tile on the home screen. Or, navigate to the Services tab and select the eStatements and eDocs tile. Once in the statement portal, click on the desired Account Statement or tax documents. Online eStatement access is available for primary owners only.

    If not yet enrolled in eStatements, you may request copies by contacting our Call Center at 845.336.4444. You can enroll in eStatements through Digital Banking by going to the Services tab and selecting the Statement Delivery Preferences tile. 

  • There are several ways to update your contact information:

    • Through Digital Banking. Once logged in to Digital Banking, select the Services tab, then navigate to Contact Information under Preferences.
    • In person by visiting a Branch Location with your unexpired US government issued photo ID.
    • By phone at 845.336.4444
    • By mail via a written request with your signature, Notarized Statement, and copy of an unexpired US government issued photo ID sent to:

    Mid-Hudson Valley Federal Credit Union
    PO Box 1429
    Kingston, NY 12402

     

  • If you have lost your checks, it’s important to notify us so that no one tries to use them.

    • You may send us a Secure Message within Online Banking by clicking Support then Secure Support. You may also send a Secure Message within the MHV Mobile App by tapping More then Secure Support.
    • You can contact us via Secure Chat within Online Banking and the MHV Mobile App
    • You can contact us at 845.336.4444 to place a stop payment on those checks as well as a notification on your account.
    • If you know exactly which check number has been lost, you can also place a Stop Payment within Online Banking or the Mobile App by clicking More then Stop Payment.

     

  • Yes, we offer $1,000 AD&D (Accidental Death & Dismemberment) insurance coverage through a company called TruStage. For further information and enrollment, please visit https://www.trustage.com/add or call 855.206.3862.

  • Yes, your funds are insured up to $250,000. To better understand this protection, check out the NCUA's Share Insurance Estimator.
  • Yes, 866-520-8395 is a phone number associated with MHV. As a reminder, MHV will NEVER ask for personal account information. If any call appearing to be from MHV seems suspicious, please hang up and reach out to us at 845-336-4444 or by visiting your local branch. 

Digital Banking

  • You may sign up for Digital Banking by clicking here. You can also sign up directly from your phone by downloading the MHV Mobile App and tapping Enroll Now.
  • In Digital Banking, click Transfers & Payments in the top blue menu and select the tile that says Pay with Bill Pay. When accessing Bill Pay for the first time, you will be prompted to set up four challenge questions.

    Once in the Bill Pay platform, add a payee from the "Payments" or "Payees" tab to set your payments up. Once a payee has been added it will be stored for future use.

    Recurring Payments - Once in the Bill Pay platform, navigate to the Payments tab. Next to the payee you would like recurring payments for, select "Make it Recurring."

    When is it debited - Depending on how your payment is processed will effect when your payment is debited from your MHV account. 

    How to cancel - If you need to cancel a payment, the payment must be canceled before 4:00pm on the date it is scheduled to be processed.

  • Mobile Check Deposit is available to members whose account has been opened for 30 days. It is a fast, easy, and convenient way to deposit checks without leaving home!

    Before you begin to use Mobile Check Deposit, be sure to endorse the check with the signatures of all payees and note "For Mobile Deposit Only" on the back. Within the MHV Mobile App, simply tap “Check Deposit” at the bottom of your screen. From there, follow the on-screen prompts. Please note: your first three deposits made via Mobile Check Deposit will be held for manual review. All deposits thereafter will be released according to our Funds Availability Policy.

    Watch a brief explainer video about Mobile Check Deposit.

    Tips for capturing your check image:

    • Ensure the complete MICR line is visible on the image. The MICR line is the row of numbers and characters at the bottom of a paper check
    • Place the check on a dark surface, in a well-lit area
    • Keep check as flat as possible
    • Follow the prompts on your camera to line up the image, making sure all 4 corners of the check are visible
    • Make sure your camera lens is clean
    • Once you capture the image of the front, flip the check over to ensure your back image mirrors the front image
    • Tap on Check Deposit > History to view copies of the deposited checks as well as deposit status.
     Additional Info: Frequently Asked Questions (FAQs):
    • Is there a fee to use Mobile Check Deposit? There is no charge from MHV. However, mobile carriers may charge for internet access and/or text messages. Please check with your carrier for any charges that may occur based on the usage of this service.
    • Am I notified if a check deposit is rejected? Yes, you will receive an email notification any time a check cannot be deposited using Mobile Check Deposit. You may also tap on Check Deposit > History to view copies of the deposited checks as well as deposit status.
    • Which accounts can I make deposits to? You can deposit to any savings, checking, or money market accounts that are linked to your Online Banking and have been opened for at least 30 days.
    • Is there a limit to the amount or number of deposits I can make? You are allowed $10,000 per item, $10,000 per day in deposits, and up to $300,000 in deposits over a rolling 30 day period. If you need to make a deposit over this limit, please visit a branch or mail your deposit.
    • Is there a hold placed on the funds I deposit through Mobile Check Deposit? Standard check holds apply to your deposits. Please refer to our Funds Availability Policy.
    • When can I expect deposited funds to be credited to my account? Funds will be credited to your account within the same business day of receipt provided there are no issues detected with the deposit.
    • How long should I retain checks that I deposit with Mobile Check Deposit? After confirming the deposit on your account statement you may securely discard the deposited check. Images of deposited checks are available by clicking Check Deposit, then History within the app.
    • How can I identify the transactions made through Mobile Check Deposit? You can identify your Mobile Check Deposit transactions by the descriptive deposit "Remote deposit/reference #".
    • What is a manual review of checks mean? Your first three deposits made via Mobile Check Deposit will be reviewed individually by staff. After that, checks will be processed automatically and released according to our Funds Availability Policy.
    • How are checks deposited via Mobile Check Deposit on a weekend handled? If a check deposit requires manual review, that review will take place the next business day. If a check does not require manual review, the deposit will be released according to our Funds Availability Policy.

     

  • Browsers:
    • Google Chrome - Note: Google Chrome is the preferred browser for accessing Digital Banking when possible
      • Windows- Current version and previous two major versions
      • Mac - Current version and previous two major versions
    • Firefox
      • Windows - Current version and previous two major versions
      • Mac - Current version and previous two major versions
    • Microsoft Edge
      • Windows - Current version and previous two major versions
      • Mac - Not Supported
    • Safari
      • Windows - Not Supported
      • Mac - Current version and previous two major versions

    Not sure what browser you're using or what version?

     Visit WhatsMyBrowser.org to find out and learn more.


    Mobile & Tablet Devices:
    • Android version 13.X or later is fully supported, Android 10.X, 11.X and 12.X have limited support
    • iOS version 16 or later is fully supported, iOS  has limited support


    PC Operating System Requirements:

    • Windows 10 or later
    • Mac OS X 10.15 or later

     

  • If you are viewing mhvfcu.com from your desktop or phone browser, select “Login Assistance.” From there you will be able to select the forgot password or forgot login prompts.

    If you are on the MHV Mobile App, you can select the forgot password or forgot login prompts from the main login screen.
  • You may make one-time or recurring transfers between your own MHV accounts by clicking Transfer on the Move Money tile on the home screen or by navigating to the Transfers & Payments tab and selecting Transfer Money.

    To transfer funds into another MHV member’s account, please select Member to Member in the Move Money tile on the home screen or navigate to the Transfers & Payments tab and select Member-to-Member Transfer.

    To transfer funds to or from one of your outside bank accounts (A2A), select Manage External from the Move Money tile on the home screen or navigate to the Transfers & Payments tab and select Manage External Accounts.

    To transfer funds to another person within the United States who does not have an MHV account you may use Zelle®. Zelle® can be found under the Move Money tile on the home page or under the Transfers & Payments tab.
     

     

  • Renaming your accounts can be done in several ways. 

    To update your account nickname from the home screen, click the three horizontal dots in the tile of the account you wish to nickname and select “Nickname.”

    To update your account nickname from the Manage Accounts tab, click the three vertical dots next to the account you wish to nickname and select “Nickname.”

    Please note these nicknames will be visible within your online account only. They will not appear on your statements or be visible to our Tellers or Member Service Representatives.
  • Funds will typically take 2 to 3 business days to be made available when transferring to or from your MHV account to an external account.
  • Yes! Even if you are not currently a member but have questions, our Member Service Representatives can assist you via Chat. On our website you will click ‘Chat Now’ and then ‘Let’s Chat’.
  • Chat is available during our Contact Center business hours of Monday – Friday 9am-6pm and Saturday 9am-2pm.
  • Chat is available on our website, in the MHV Mobile App, or through Online Banking.
  • Absolutely! If you are logged in through the MHV Mobile App or Online Banking we can assist with any account related questions. If you are chatting from our website you will select ‘Chat Now’ and then ‘Login to Chat’ and it will prompt you to sign in with your Online Banking credentials.

  • Yes! A Member Service Representatives in our Contact Center will be assisting you via Chat.
  • A Secure Access Code (SAC) is a unique, single-use-6-digit code which protects against fraud by safeguarding your online transactions and sensitive information. A SAC is another level of authentication in addition to your Username and Password, providing you stronger online security.
  • You choose how you want to receive your SAC: by text or voice call. We need your current contact information for you to receive your SAC.
  • No, once you enter your SAC, you have the option to register your computer or device. Once your computer or device is registered, you will skip the SAC requirement when you log in again. To register your computer or device, click, "Register Device."
  • Log in to Digital Banking. Select "Update Password" under the Settings menu. Enter your old password, create a new password, and confirm your new password following the on screen password criteria.
  • Yes, once you have successfully logged into Digital Banking, you can update your Login ID via the Settings Tab under the Security Menu. Under this menu you can change your Login ID, Password or set up additional Security Access methods.
  • In the Digital Banking menu, choose Transfers & Payments. Then select the tile labeled Loan Payments. Choose which account you'll be paying from, and which account you're making the payment to. Then choose the payment type and hit submit.
  • If you need to reset your password, select the "Forgot your password?" link from the login page. After entering the requested information and clicking Submit, you will receive a text or voice call at the number we have on file with a SAC code. After entering the code on Digital Banking, you will be prompted to update your password. If you need to update your contact information, you can do so under the Settings Tab.
  • Yes, you can download the app from either the App Store or Google Play Store.
  • You can recover your Digital Banking account by navigating to the "Login Assistance" link on our website and then clicking "Forgot Login." If you are using our Mobile App, please select the "Forgot Login" prompt on the login screen. By clicking "Forgot Login" you will be directed to the Digital Banking account recovery page to unlock your account.
  • Operating systems and device versions eventually stop receiving support because companies need to focus resources on developing new features for current versions, making it impractical to maintain older versions which may have security vulnerabilities, lack modern functionality, and require significant effort to fix bugs, ultimately posing a security risk to you if not updated regularly; this is often referred to as "end of life" (EOL) or "end of support" for a product.

Checking Accounts

  • Your Current balance is the total amount of funds in your account. Your Available balance is the total amount of funds in your account minus any transactions that are pending, such as items waiting to be cleared or debited and transactions that haven’t yet been processed. When you are determining if you have enough to cover a purchase, you should be aware of your Available Balance. To know the true available balance in your account be sure to keep a register of all transactions in order to avoid unnecessary service charges.

  • Contact your Human Resources Department to establish direct deposit into your MHV Checking Account. You can download our Switch Kit, which includes a payroll form your HR Department may require.

  • MHV is a member-owned credit union. Your Savings Account – with your $5 required opening deposit – is your share in the membership.

  • Visit our Perks Package page for more information.

    Visit any Branch Location and add Perks Package to your MHV Checking Account today! 
     

  • Yes, you can deposit funds as much and as often as you would like into your Money Market account.
  • There is not a fee to have the account. However, if your balance falls below the minimum required, you will be assessed a $10 fee.
  • With a Certificate of Deposit, your funds are on hold for the length of the term you select. If you need to access your funds during the term of your Certificate, you will be charged a penalty. You are also unable to add funds to your Certificate of Deposit. A Money Market account allows you to access your cash at any time as long as you don't go below the minimum amount. If you do, a fee will be assessed. You can add funds to your Money Market at any time.
  • Money Market accounts are considered to be a low-risk account as they are insured by the NCUA up to $250,000. Since the dividend rate on a Money Market is variable, you may earn less interest if rates go down over time. However, you will not lose the amount you put into your Money Market account or any interest you have earned.

Debit & Credit Cards

  • To activate your MHV Debit or Credit Card, simply call the number listed on the sticker that will be on your card when you receive it. If your card does not have a sticker you may call our activation numbers.

  • This feature is currently available for MHV Credit Cards only.

    To turn your credit card off in Digital Banking, click on your card in the account list. Then, click the green “Lock Card” button next to the card you want to lock.

    You may also contact us at 845.336.4444 for assistance.  

  • You received a call because we noted suspicious activity on your MHV Debit or Credit Card and want to confirm the charge is legitimate. Reminder: MHV will never ask you for your account information or password.
     

  • If the merchant is unable to provide a resolution, or there is fraud on your card, please contact our Call Center at 845.336.4444 to begin an Error Resolution (Dispute) Form. You may also use secure chat on Online Banking and the MHV Mobile App or visit any one of our Branch Locations.

  • To schedule one-time or recurring payments to an MHV Credit Card from an MHV account, simply click or tap the Transfers & Payments tab within Digital Banking.

    There are two ways to pay your MHV Credit Card from an external account. Either click or tap on the card from the Accounts page within Digital Banking. You'll then be directed to the card portal where you can make your payment. Please note you may be prompted to first register the card. Additionally, credit card access is available for primary owners only. You can also add your external account under the Manage Accounts tab, then make your payment by navigating to the Transfers & Payments tab and selecting Loan & Credit Card Payments. Once your external account is added, it will show up under the "From" account drop down.

    To schedule one-time or recurring payments to a non-MHV credit card, use Bill Pay within Digital Banking.

  • If either your MHV Debit card or Credit Card have been stolen, please contact us right away. You may call us at 845.336.4444 or stop into any Branch Location. You may also call Lost/Stolen Card Services at 866.820.8794.

    For your MHV Credit Card, you can also place a lost/stolen alert in Digital Banking. In Digital Banking, click onto your Visa card, then click “Report Card Lost or Stolen” under the Quick Links at the right of the screen. 

  • All MHV Credit and Debit Cards are automatically enrolled in automated alerts.

  • If you suspect fraud, please contact us right away. You can call us at 845.336.4444 to begin an Error Resolution (Dispute) Form. You may also use secure chat on Online Banking and the MHV Mobile App or visit any one of our Branch Locations. If the fraud is on your credit card, you can lock your card in Online Banking and the MHV Mobile App.

  • You can use both your MHV Visa®  Debit Card and your MHV Visa Credit Card overseas. It is important to notify us when you plan on traveling so that we can notate your account. Otherwise, international use may be flagged as fraud and your card could be locked.

    If you plan on using your debit card internationally, please be sure to keep funds in your Checking Account. Most overseas ATMs will grant access to your Checking Account but not your Savings Account.

    When using your Visa Debit card at a foreign ATM you may request an "advance" accessing your checking account.

    At foreign ATMs you will receive the exchange on the funds and a surcharge and foreign ATM fee will apply. Keep in mind the ATM transaction will need to be under $200 (including ATM fee). If you need more than $200, you will need to do multiple withdrawals or with a VISA debit, go to a bank for a cash advance.
    For foreign ATM withdrawals, the rate of exchange between the transaction currency and the billable currency used for the processing of international VISA transactions is a wholesale market rate or government mandated rate in effect one day prior to the processing date plus one percent 1%.

    To place a travel alert on your MHV Visa Debit Card, you may call us at 845.336.4444 or stop into any Branch Location. To place a travel alert on your MHV Visa Credit Card, you may call 866.820.3867 or place the alert within Digital Banking. Once you have logged into Digital Banking, click onto your Visa card, then click “Travel Notifications” under the Quick Links at the right of the screen.

  • You can mail your MHV Credit Card payment(s) to:

    VISA PO BOX 37603
    PHILADELPHIA, PA  19101-0603

  • Although the MHV Rewards program is discontinued as of May 31, 2023, all points issued through the rewards program will remain valid through their expiration date. Points may be redeemed at www.MHVRewards.com.

    For support, please contact MHV Rewards member service at 910.202.3416 or via email [email protected]
  • You can file a claim by filling out a claim form here or call 800.621.6323 to begin the process and a TruStage™ claims specialist will assist you.

Savings

  • Please visit our Rates page for our current rates. 
  • The minimum balance required to open a primary Savings Account is $5. There is no low-balance fee, but you must maintain a minimum daily balance of $100 in your share account each day to obtain the disclosed annual percentage yield.

    If you're not yet a member of MHV & want to open an account with us, click here. You will need your non-expired U.S. Government-issued Photo ID. Please note: if your photo ID has an alternate address or P.O. Box, please have proof of address (car registration, lease agreement, credit card statement, car insurance ID, etc.) ready to upload upon request.

    If you have any questions about the account opening process, please email [email protected] or contact us at 845.336.4444.

  • Yes, we offer several types of IRAs.

    Traditional IRAs:

    • Tax Deductible depending on your income and individual tax situation.*
    • Additionally, participation in an employer sponsored retirement plan will affect how much of the IRA is tax deductible.*

    Roth IRAs:

    • Contributions are not tax deductible, but principal and interest accumulate tax free.

    Coverdell Education Savings Account (Education IRA):

    • Tax advantaged savings vehicles for education purposes.
    • Maximum annual contribution is $2,000.
    • In addition to college costs, payouts for elementary and secondary school expenses are now available.
    • Corporations and tax-exempt organizations may also make contributions.
    • Marriage penalty eliminated on income levels that qualify for the full contribution amount.
    • Contributions may be made through April 15 for the prior tax year.

    Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

    To open an IRA, please visit any Branch Location.

     

    *Refer to your tax advisor for more information.

  • Yes, you can set up an estate account for the purpose of administering a person's estate after they have passed away. For information and documentation requirements, please see our guide here.
  • Yes. You can open either a Savings or Certificate of Deposit as a custodial account.
  • Yes, you may add beneficiaries. For assistance, please work with your local Branch or call our Contact Center.
  • Dividends are returns for investing in or saving with the credit union.

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
  • If you are experiencing financial hardship, please contact us at 845.336.4444. It is important that you reach out before you start falling behind on your payments so that we can work with you on a solution. You may find additional information and resources for financial hardship here.

  • Yes. This optional protection covers your loan payment in the event you experience a qualified life event. Things like unemployment, disability, and loss of life may be included. Neither you nor your family will have to worry about making payments. You can estimate the cost of this protection here

  • Yes, by setting up automatic payments from your MHV Checking or Savings Accounts. This qualifies you for a 0.25% discount.

  • No, we do not charge any refinancing fees.

  • When you have your car or truck loan with MHV, you must carry full coverage, including comprehensive and collision for the value of the loan. We do require the policy, not just the binder. The policy should list Mid-Hudson Valley Federal Credit Union as the loss payee (P.O. Box 1155, Kingston, NY 12402), and your deductible cannot be more than $1,000.

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

  • Yes, you can finance a private sale with an MHV auto loan.

  • If you applied online, visit the Application Status Center for the status of your loan application. If you applied in a Branch or over the phone, please contact us at 845.336.4444.

  • You can pay off your car or personal loan in Digital Banking or by visiting any Branch Location. If you use Digital, please be sure to select “Pay in Full and Close."

    If an auto loan is paid off with a personal check, we will wait 10 business days before we release the lien card or title. If you did not receive the title, please contact us at 845.336.4444.

  • How much you will save depends on what your current term and interest rate are as well as what interest rate you will qualify for. You can use our refinance calculator to estimate your new monthly payment and interest paid.

  • If you have existing GAP insurance, you will have to opt in again to the coverage if you refinance your loan. 

  • For Personal Loans, Auto Loans, and Personal Lines of Credit, we offer a 10-day grace period after the due date.  If a payment is not made before the grace period ends a late fee will be assessed. Accounts that are past 30 days due will be reported to the credit bureaus.

    To avoid missing a payment, you can set up automatic payments directly from your MHV accounts.

    If you are struggling to make your payments, we encourage you to contact us at 845.336.4444 to discuss potential options.

  • You can file a claim by filling out a claim form here or call 800.621.6323 to begin the process and a TruStage™ claims specialist will assist you.

Mortgages

  • Refinancing your mortgage could lower your monthly payments and reduce your total loan amount. Check out this article for helpful information about mortgage refinances.

    For more information or to schedule an appointment with a Mortgage Expert please call us at 845.336.4444.

    Ready to get started? Visit our Mortgage Center today!

  •  SONYMA mortgage is a mortgage through The State of New York Mortgage Agency (SONYMA). SONYMA specializes in mortgage programs to assist first-time homebuyers and those meeting certain income qualifications who are purchasing a home in New York State.         

    Click here for the home buyer programs we participate in.

  • Please visit our Rates page for today's mortgage rates. 
  • If you are experiencing financial hardship, please contact us at 845.336.4444. It is important that you reach out before you start falling behind on your payments so that we can work with you on a solution. You may find additional information and resources for financial hardship here.

    • 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.

  • Mortgages and Home Equities include at 15-day grace period. If a payment is not made before the grace period ends a late fee will be assessed. Accounts that are past 30 days due will be reported to the credit bureaus.

    To avoid missing a payment, you can set up automatic payments directly from your MHV accounts. If you are struggling to make your payments, we encourage you to contact us to discuss potential options.

Home Equities

  • Please visit our Rates page for our current rates

  • An Equity Edge loan allows you to use your home to secure a loan before you’ve built up equity. Equity Edge loans often have a lower rate than a Personal Loan. Please visit our Equity Edge page for details. 

    For more information or to schedule an appointment with a Mortgage Originator please call us at 845.336.4444.

Construction Loans

  • A Construction Loan is a short-term loan used to finance the construction of a new home. Typically, the construction loan is refinanced into a permanent loan after the home is completed. For additional information please click here.

    To schedule an appointment with a Mortgage Originator please call us at 845.336.4444.

  • This is a loan that provides financing to purchase an unimproved residential lot for the purpose of building a single-family, owner-occupied dwelling.

    For more information or to schedule an appointment with a Mortgage Originator please call us at 845.336.4444 or toll free at 800.451.8373, ext. 3472.

  • You can build any single-family home, provided it’s comparable to other homes in the neighborhood.
  • Yes, but that amount will go against the total available amount you have to draw from for construction.
  • No, once the loan is closed no adjustments can be made.
  • You’ll sign an agreement indicating your project will be completed within a certain time frame. If there are delays, those will be given individual attention by your team here at MHV in cooperation with your builder.

Business Accounts

  • The documents you need will depend on the structure of your business. Please see the appropriate list below.

    Sole Proprietor / DBA
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • Copy of DBA / Sole Proprietor Business Certificate that has been filed with the County Clerk
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    Partnership
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Copy of Partnership Agreement Business Certificate that has been filed with the County Clerk
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    Association / Organization
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Letter from officers of organization authorizing account opening and stating authorized signers
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    Corporation / Sub S Corporation
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Copy of Corporate Filing Receipt (From Black Book)
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    LLC / LLP
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Articles of Organization
    • Copy of LLC/LLP Filing Receipt (From Black Book)
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
  • You will need a Business Loan Application, in most cases a Personal Financial Statement, and various financial documents such as tax returns. For more information, request a call or appointment with a Business Lending Expert.

  • Collateral is very often required. For more information, request a call or appointment with a Business Lending Expert.
  • Yes, please visit our Business Lending page. 

  • You can download the business resolution form here. And the personal financial statement here