Contact the credit union at 845.336.4444 for rates on longer terms.

*View MHV Credit Card Terms and Conditions

* Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year. A withdrawal and/or fees will reduce earnings. APYs are accurate as of the last dividend declaration date. Dividends are compounded and credited monthly. Rates may change after the account is open and are in effect for 30 days from the effective date disclosed above. A 30 day advance notice will be provided for a change in rates. Rates are determined at the discretion of the Board of Directors of the Credit Union. The dividend rates and the APY’s disclosed are prospective. Dividends are paid from current income and available earnings. These rates are accurate for accounts as of the date indicated above. Rates are determined monthly. See our account disclosures for additional information about your account. Rates effective 10/1/2021. 

* Dividends begin to accrue on the business day you deposit noncash items, such as checks. We use the daily balance method to calculate dividends in your account; this method applies a periodic rate to the balance in the account each day. Dividends will be compounded and credited to your account monthly. Your dividend rate and annual percentage yield may change. The dividend rate on your account is determined and declared at the discretion of the Credit Union Board of Directors. The dividend rate and annual percentage yield (APY) are disclosed under separate cover. After the first of each month, or after Tuesday of each week, depending on the product, you may call 800-451-8373 or 845-336-4444 for dividend rate and APY information. Accrued dividends will be paid upon closing the account.

* Rates effective 1/1/26. Dividends begin to accrue on the business day you deposit noncash items, such as checks. We use the daily balance method to calculate dividends in your account; this method applies a periodic rate to the balance in the account each day. Dividends will be compounded and credited to your account monthly. Your dividend rate and annual percentage yield may change. The dividend rate on your account is determined and declared at the discretion of the Credit Union Board of Directors. The dividend rate and annual percentage yield (APY) are disclosed under separate cover. After the first of each month, or after Tuesday of each week, depending on the product, you may call 800-451-8373 or 845-336-4444 for dividend rate and APY information. Accrued dividends will be paid upon closing the account.

**Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply. Fees could reduce earnings on this account. A low balance fee of $10.00 will be assessed if the average monthly balance is below the minimum required.

* Rates effective 9/24/2025. Dividends begin to accrue on the business day you deposit noncash items, such as checks. We use the daily balance method to calculate dividends in your account; this method applies a periodic rate to the balance in the account each day. Dividends will be compounded and credited to your account monthly. Your dividend rate and annual percentage yield may change. The dividend rate on your account is determined and declared at the discretion of the Credit Union Board of Directors. The dividend rate and annual percentage yield (APY) are disclosed under separate cover. After the first of each month, or after Tuesday of each week, depending on the product, you may call 800-451-8373 or 845-336-4444 for dividend rate and APY information. Accrued dividends will be paid upon closing the account. Certificate Accounts: You must maintain in your account each day the minimum balance that corresponds to your account on the accompanying rate sheet to obtain the disclosed annual percentage yield. Dividends for fixed rate certificates and fixed rate IRA certificates will be earned at the rate in effect when opened. Dividends for variable rate certificates and variable rate IRA certificates will be earned at the rate in effect for that certificate type at the beginning of the month. For non-IRA certificates: You may choose one of the following three methods of payment: 1. Credit to the certificate. 2. Credit to an alternative sub on the owner’s account. 3. Check mailed. Posted dividends may be withdrawn from non-IRA certificates at the time of posting, without penalty. Substantial penalties will be imposed for early withdrawal and fees will reduce earning on the account, see fee schedule for details.