New & Used Car, Truck & Motorcycle Loans

As a not-fot-profit auto loan lender, MHV can help you with everything from selecting the right car to affording necessary insurance, maintenance and service. You’ll probably find that we offer lower rates, more generous terms and fewer fees than other lenders. What's more, you may qualify for a .25% rate reduction by authorizing convenient automatic payments from your MHV savings or checking account.

Apply now!


What if you are injured in an accident? Or lose your job? How will you keep up your loan payments? MHV has a couple of options.

MEMBER’S CHOICE™ Borrower Security helps protect your loan, your family’s security and your credit rating by canceling the monthly amount due up to the policy maximum.

MHV offers coverage for:

  • Life
  • Life & Disability
  • Life, Disability & Involuntary Unemployment.

Single and Joint payment protection is available; there is no additional cost for the joint protection.

  • Qualifying is simple and part of the loan process.

Learn more about debt protection, how it works and the protection available, from any member service representative by calling 800.451.8373, Ext. 6000.

MEMBER’S CHOICE™ Borrower Security is a debt protection product offered by Mid-Hudson Valley Federal Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact us for additional information on benefit maximums, eligibility, and limitations. DPGAP-0709-45A3

Guaranteed Auto Protection (GAP) insurance provides protection in the event that your vehicle is totaled, or stolen and never recovered.

  • GAP insurance is taken out at the time of your closing to cover the difference between the market value (or what your insurance company will pay) and the remaining balance on your loan (minus any deductible, past due payments or fees).
  • The cost is just $125, which can be included in your loan or paid for upfront.

Ask your member service representative about this valuable coverage.


Offered exclusively to Credit Union members, CUDL AutoSmart links you to dealerships offering CU financing. Its services include an entire tool kit that helps you compare vehicles, research the best payment or financing options, do free “lemon” checks, find trade-in values, choose an insurance company and more. This online auto buying resource can help you research the history of a particular vehicle, point you toward used car values, and help you avert disaster – such as unknowingly buying a car that survived a hailstorm before coming to your local lot. It can even help you figure out whether it’s a better deal to take the rebate or the lower rate at a dealership.

Check out the tools and tips at


Balance Car Buying Financial Toolkit

What you need to know to make the best decisions and gets you on your way to owning a vehicle.

Balance- Car Buying Financial Toolkit



Save 10% on Your Auto Insuance

MHV now offers the NYS Defensive Driving Course Online through a partnership with the New York Safety Council. Take the course from the comfort of home on your time with no tests or quizzes. Only $29 to enroll. Click here to learn more and to enroll.



*Rates, terms and conditions subject to change without notice. Loans subject to credit approval

Join Us!

Ready to take ownership of your financial institution? Click here to become a member!


Where to Find Us?

MHV Branches & ATMs

Surcharge-Free Network ATMs


Zip Code: