Low Rate Card
Save on interest with the MHV Visa® Platinum Credit Card, a low-rate card designed for everyday purchases and greater financial flexibility.
credit card, credit cards
A lower rate on what you carry.
1.99% intro APR for 12 months, then a low variable rate — with no annual fee and no balance transfer fee, so more of your payment goes to the balance.
Every card comes loaded with value
No Annual Fee
Competitive Rates
Credit lines up to $20,000
Fraud Protection
Card Controls
Mobile Wallet Ready
What members say about their MHV cards
“Switched my balance over to the Platinum card and the low rate is saving me real money every month.”
Pay less on your balance.
No annual fee. No balance transfer fee. A rate you can see.
Commonly asked questions about credit cards
A 1.99% introductory APR for the first 12 months from account opening, then a variable APR of 14.00% to 18.00% based on your creditworthiness. See the Visa Terms & Conditions for full pricing.
No annual fee and no balance transfer fee. See our terms and conditions for details.
Request the transfer in your application or, after approval, through MHV Digital Banking or by calling 845-336-4444. Keep making payments on your old card until the transfer posts.
Any remaining balance moves to your standard variable APR of 13.00%-18.00%. There's no penalty and no retroactive interest; the rate simply changes going forward.
For a balance you can pay off within the intro period, the card's no-fee transfer is hard to beat. For a larger balance you want gone on a schedule, a fixed-rate debt consolidation loan gives you one payment and a payoff date. We're happy to walk through both.
Yes. You can view balances, make payments, set up alerts, and lock or unlock your card directly in the MHV Mobile App.
Compare our Visa Credit Card options
*View MHV Credit Card Terms and Conditions
APR = Annual Percentage Rate. Introductory rates are subject to change and are based on creditworthiness. After the introductory period, the variable APR applies and may vary with the market based on the Prime Rate. See full Credit Card Terms and Conditions for details. Federally Insured by NCUA.
Visa® Platinum
Ideal for those looking for a card with a low interest rate
1.99% APR*
Introductory APR for 12 Months
13.00% to 17.24% APR*
Thereafter
Visa® Signature Rewards
Ideal for those looking to earn rewards for their spending
0.00% APR*
Introductory APR on Purchases for 6 Months
14.00% to 18.00% APR*
Thereafter
Secured Visa® Platinum
When you need to build or rebuild your credit
1.99% APR*
Introductory APR for 12 Months
13.00% to 17.24% APR*
Thereafter
APR = Annual Percentage Rate. 1.99% introductory APR for 12 months from account opening and billing cycles; after the introductory period, a variable APR of 13.00%–18.00% applies based on your creditworthiness. Variable APRs are based on the U.S. Prime Rate published in the Wall Street Journal. No annual fee. No balance transfer fee. Balance transfers from other Mid-Hudson Valley Federal Credit Union accounts are not eligible. Example figures on this page are illustrative only and are not an offer of credit. See the MHV Visa Credit Card Terms & Conditions for complete pricing and terms. Subject to credit approval and membership eligibility. Rates and terms subject to change.