Membership

Join MHV. Own a piece of it.

If you live, work, worship, or go to school in the Hudson Valley's seven counties, you can join. All it takes is a $5 savings deposit.

At a credit union, members own it. No outside shareholders, so what we earn goes back to members through better rates, lower fees, and a stronger community.

Become a Member
Member-owned since 1963
Forbes Best-in-State Credit Unions, 2022–2026
Federally insured by NCUA
Membership eligibility

Can I join? Probably.

You can become a member if you live, work, worship, or attend school in any of these New York counties:

Dutchess · Orange · Putnam · Rockland · Sullivan · Ulster · Westchester

You live here.

Your home address is in one of the seven counties.

You work here.

Your job is based in one of the seven counties, even if you live somewhere else.

You go to school here.

You're a student at a school in one of the seven counties.

You worship here.

You belong to a place of worship in one of the seven counties.

Your family already belongs.

Immediate family and household members of MHV members can join

Not sure if you qualify? Call us at 845.336.4444 or stop by any branch. We'll check for you.

Membership

How to join

Step 1

Check Your Eligibility

You can join MHV if you live, work, worship, volunteer, or attend school in Ulster, Dutchess, Orange, Westchester, Rockland, Putnam, or Sullivan County. Family and household members are also welcome.
Step 2

Gather What You Need

Have these ready: U.S. Government-issued ID, Social Security Number, and proof of address. Additional documents may be needed depending on the type of account.
Step 3

Open Your Account

Open online, by phone, or in person. To become a member, all you need is a $5 minimum deposit into a savings account.

Pick the way that works for you

  • Online: apply anytime online

  • By phone: call 845.336.4444

  • In person: visit any location

Become a Member
Make the most of your membership

You're a member. Here's what to do next.

Why membership matters

Here, you're an owner.

  • Owned by members, not shareholders. We're a not-for-profit cooperative. Earnings go back to members, not to outside investors.

  • You get a say. Every member over 18 gets one vote in electing our Board of Directors, no matter how much money they have with us.

  • Decisions made here. The people who review your loan live and work in the Hudson Valley.

  • Invested in the community. We support local schools, nonprofits, and neighbors across all seven counties.

  • Recognized for it. MHV has been named to the Forbes list of America's Best-in-State Credit Unions every year since 2022.

What members get

Everything you need, in one place.

Checking and savings

Accounts for every stage, from a child's first savings to Free Checking.

Loans and credit cards

Auto, personal, and recreational loans, plus Visa credit cards.

Home lending

Mortgages, refinancing, and home equity, with loan officers across the region.

Digital banking

The MHV app and online banking, with mobile deposit and alerts.

Free financial education

Articles, calculators, workshops, and one-on-one coaching through our partners at Balance.

Member perks

Insurance through TruStage, a digital estate planning tool, and My Home Value.

Joining with family, or as a business

Kids, joint owners, and businesses

  • Kids and teens. A parent or guardian who is or becomes an MHV member can open a savings account with their child as a joint owner.

  • Joint owners. Everyone named on an MHV account must be an MHV member. If someone you want to add isn't a member yet, they can join at the same time.

  • Businesses. Businesses located in our seven counties can open business accounts.

Become a Member Find a Branch

Ready to join?

Open your savings account online in minutes, or come see us in person.

Become a Member Find a Branch

FAQs

Helpful questions about MHV, who can join, and membership costs.

Anyone who lives, works, worships, or attends school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester County, New York. Immediate family and household members of MHV members may also join. 

When you open a membership, we open a regular savings account as your ownership share, and it requires a $5 deposit. That $5 stays in your account as your ownership share. 

A valid government-issued photo ID, your Social Security number, and proof of address if it isn't on your ID. Some accounts may need other documents.

Yes. You can apply online anytime. You can also join by phone at 845.336.4444 or at any MHV branch.

Absolutely. Joint accounts are available for Free Checking and all other account types. Both account holders must be MHV members. Open online or at any branch.

Yes, your funds are insured up to $250,000. To better understand this protection, check out the NCUA's Share Insurance Estimator.

A bank is owned by shareholders. A credit union is a not-for-profit cooperative owned by its members. At MHV, every member is an owner with a vote, and earnings go back to members through rates, fees, and services.

No. MHV Credit Union (Mid-Hudson Valley Federal Credit Union) is a separate credit union, headquartered in Kingston, New York, and serving the Hudson Valley since 1963.

Membership eligibility is required. A minimum deposit of $ 5 into a Regular Savings account establishes membership.