Mid-Hudson Valley Federal Credit Union Resources
Resources
News
Meet Sarah Gillespie, MHV's Chief Banking Officer
Meet Our Rhinebeck Branch Manager: Heather Hart
3rd Quarter 2025 Chairman’s Award Winner
Kayla exemplifies what it means to lead with MHV’s Core Values – bringing creativity, collaboration, and compassion into every facet of her work.
MHV Welcomes Razi Qadri As New President And CEO
Coaches
Workplace Cybersecurity
Entrepreneurship
Earning Extra Income
Basic Bookkeeping
Scam Checker
Are You Cyber Safe? For Teens
Make the Most of Your HSA or FSA
Your Tax Return Pre-Game
What Mortgage Can I Afford?
Repairing Credit
How Do I Build Credit?
Get Out of Debt
Calculators
Mortgage Loan Calculator
Budget Calculator
Debt Consolidation Calculator
HELOC Calculator
Auto Loan Calculator
Car Lease vs Buy Calculator
Auto Refinance Calculator
Closing Costs Calculator
Certificate (CD) Calculator
Personal Loan Calculator
Articles
Don't Give Scammers What They're Looking For
Learn how fraudsters pretend to be from tech support or a fraud department to gain your trust, your money, and access to your devices.
Protecting Your Debit Card from Fraud
You want to keep your debit card (and your accounts) safe from fraud, right? Here are some tips you probably won’t hear anywhere else.
Real Help or Real Scam?
Learn how fraudsters pretend to be from tech support or a fraud department to gain your trust, your money, and access to your devices.
Impersonation Scams Targeting Seniors
Learn the warning signs of impersonation scams and how to protect yourself and your loved ones.
5 Tips for Protecting Your Information and Money
Learn what you can do to help safeguard yourself from fraud.
Protect Yourself from Fraudulent Calls & Texts
Stay alert when receiving calls and texts. They may not be what they seem.
Buying a Home: Exploring Your Options
Thinking about buying a place to call home? Then it’s time to think through the home buying process. It can be tempting to start by...
Your First SBA Loan
Professional Help with Your Business
Keeping Your Employees
Health Benefits
Funds to Build Your Business
Documentation for SBA Loans
Business Structure Quiz
Attracting Employees
By knowing what you’re looking for in an employee and providing incentives to attract skilled candidates, you can create a strong team.
Traditional vs. Roth IRA
Traditional Individual Retirement Accounts (IRAs), which were created in 1974, are owned by roughly 43 million U.S. households. And Roth IRAs, created as part of the Taxpayer Relief Act in 1997, are owned by nearly 35 million households. 1
How Women Can Prepare For Retirement
When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration (SSA) estimates that today's average 67-year-old woman will live to age 88. Given these projections, it appears that a retirement of 20 years or longer might be in your future. 1
Where Will Your Retirement Money Come From?
What workers anticipate in terms of retirement income sources may differ considerably from what retirees actually experience. For many people, retirement income may come from a variety of sources.
Saving Early & Letting Time Work for You
As a young investor, you have a powerful ally on your side: time. The earlier you start saving, the more opportunity your investments have to increase in value.
Diversification, Patience, and Consistency
The saying “don’t put all your eggs in one basket” has some application to investing. Over time, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment, you could find yourself under a bit of pressure if that asset class experiences some volatility.
Asset Allocation
Asset allocation is a critical building block of investment portfolio creation. Having a strong knowledge of the concept may help you when considering which investments may be appropriate for your long-term strategy.
Getting a Head Start on College Savings
As a parent, you teach your children to dream big and believe in their ability to overcome any obstacle. By investing wisely, you can help tackle the financial obstacles of funding their higher education – and smooth the way for them to pursue their dreams.
What If Your Kids Decide Against College?
As a parent or grandparent, you may have diligently saved money in a 529 account to help fund your child's or grandchild's college education. But what happens if they decide college isn't the right path for them? It's a valid question that many families are facing as more and more people choose alternatives to traditional four-year colleges.
529 Plans Can Cover More Than College
Here’s some good news about 529 plans that could change how you think about education savings.
What to Look for in an Extended-Care Policy
Extended-care coverage can be complex. Here's a list of questions to ask that may help you better understand the costs and benefits of these policies.
Term vs. Permanent Life Insurance
When considering life insurance, one of the most important factors to understand is the difference between term and permanent insurance. Here’s an inside look at both.
Reviewing Your Life Insurance Needs
Life is an ever-evolving journey marked by significant milestones, personal growth, and unexpected changes. As life unfolds, your financial and insurance needs also shift, changing from year to year, decade to decade. A good example of this is life insurance.
Problems with Probate
Many of us hope to leave something behind for our loved ones when we pass away. But the probate process is complex. To understand how to better manage potential probate fees, let’s explore what probate is and how the process works.
How Often Should You Update Your Estate Strategy?
Once an estate strategy is in place, it should only require periodic reviews to check that it still reflects your wishes. However, life events such as marriage, divorce, births, deaths, relocations, health changes, business sales, and changes in tax law may prompt you to reconsider part of your overall strategy.
Managing an Inheritance
Inheriting wealth can be a burden and a blessing. Even if you have an inclination that a family member may remember you in their last will and testament, there are many facets to the process of inheritance that you may not have considered. Here are some things you may want to keep in mind if it comes to pass.
Handling High Inflation
What's Next for Cryptocurrency?
What is a Certificate of Deposit or Share Certificate?
What is a Bull or Bear Market? And Other Market Terms
Understanding an Unstable Stock Market
Trump Accounts For Kids
Sick and Can’t Work—You’ve Got Options
Mind the Gap: GAP Insurance
As you drive off the lot in your new car, the last thing you want to think about is what you’ll do if it gets totaled, but thinking ahead could save you big.
Life Insurance
Job Benefits
Health Insurance Basics
Disability Benefits & Insurance
Auto Insurance
9 Questions to Ask at Open Enrollment
6 Things You Should Do for Your Finances After a Natural Disaster
5 Health Insurance Questions for 2026
What Is Inflation?
When Times Get Tough
Emergency Funds
College Application Checklist
Borrowing Money for Youth
14 Ways to Cut Household Expenses
Stock Market Basics
Retiring in a Rocky Market? Here's What You Can Do Now
Interest
5 Changes to Retirement Law in 2024
3 Jar Allowance For Kids
Suspect Your Information Was Compromised? Here's What You Can Do
Scams Targeting Seniors
Romance & Dating Scams
Recognizing and Avoiding Scams
Ransomware
Protect Yourself Online
Preventing Identity Theft
In today’s uber-connected online world, the risk of identity theft is hard to avoid. But there are ways to minimize identity theft risks and stay ahead of scammers and thieves who want your personal information.
Investment Warning Signs and Red Flags
Financial Exploitation of Older Adults
Don’t Take the Bait: Avoiding Phishing Scams
8 Internet Safety Rules for Kids
4 Tips for Using Peer-to-Peer Payment Apps
Teaching Tax Basics
Tax Planning: Strategies and Tips
Tax Brackets and Statuses
Meet Your 401(k)
How to Teach Income Tax: Lessons & Resources
How to Become a Young Entrepreneur
Financial Steps After the Death of a Loved One
Federal Income Taxes
Donating to Charity
Completing a Tax Return
A Guide To Understanding and Paying Taxes
Working with a Mortgage Lender
What is Net Worth?
What is Financial Literacy?
Financial literacy is knowing what finances are and how to spend, save, and manage money effectively. But it’s not a light switch—you don’t flip the switch and be done with it.
What is a HELOC?
Understanding Your Renter Rights: Navigating the Rental Landscape
To Buy or Not to Buy?
If you’re ready to change your living situation, you may be debating whether it’s better to rent or purchase your next home. Unfortunately, the decision isn’t always easy to make.
The Cost of a Mortgage: A Comprehensive Guide
Renting Rulebook
Renter's Insurance: What It Is and What It Covers
Preparing Your Finances to Leave the Military
Mortgage Type Activity
Mortgage Application Checklist
Making a Down Payment on a House
Insuring Your Home
How Does Amortization Work?
If you’ve ever financed a car or taken out a mortgage, you’ve likely heard the word “amortization” tossed around.