Our equity
is your agency.
Hudson Valley Credit Union is a member-owned financial cooperative. We operate without external shareholders, moving every dollar of profit back into lower rates and local growth.
One Member, One Vote.
Unlike traditional banks where voting power is proportional to shares held, Hudson Valley Credit Union operates on a democratic model. Every member holds an equal share in the institution. Whether you have $5 or $500,000 in your account, your voice carries the same weight in electing our volunteer Board of Directors.
View membership benefitsSurplus as Service.
When we generate a surplus, it doesn't leave the community. We return those funds through higher yields on savings and lower interest rates on mortgages and auto loans. Our goal is not to maximize extraction, but to sustain a healthy financial ecosystem for all residents of the Hudson Valley area.
Explore rate structuresLocal Accountability.
Our leadership isn't managed from a distant corporate headquarters. Our Board of Directors is composed of unpaid volunteers—members of this community—who donate their professional expertise to ensure the credit union remains stable, secure, and responsive to local economic shifts.
Meet our leadership < i class="fa-solid fa-arrow-right text-xs">
Rooted in the Pacific Northwest,
sustaining the community since inception.
"Our history is rooted in providing accessible capital to people who were overlooked by traditional lenders, maintaining a legacy of cooperative finance that prioritizes stability over aggressive expansion."
Institutional
Milestones
Founded as a small employee-based credit union, our charter was simple: pool resources to help neighbors secure homes and build small businesses. We began with a modest membership base that shared a vision of mutual financial support.
As the Hudson Valley region grew, so did our commitment. We transitioned to a community charter, allowing anyone living or working in the area to benefit from the hvcu credit union model. This period marked our first major investment in digital banking infrastructure.
Today, Hudson Valley Federal Credit Union stands as a pillar of regional stability. Even during economic volatility, our conservative lending profile and member-first priority have ensured that our assets remain protected and our service uninterrupted.
Financial Literacy & Community
Community engagement goes beyond surface-level sponsorship. We believe in building a foundation of financial wisdom. Our staff participates in local literacy programs to help residents navigate debt management, home ownership, and long-term retirement planning.
Institutional Integrity
We maintain a conservative risk profile to ensure longevity, focusing on sustainable lending practices that protect our members' assets during volatile economic shifts. Our focus is on long-term health, not short-term gains.
Access hvfcu online bankingTransparency in Access.
As a member of Hudson Valley Credit Union, you have direct access to our leadership and services. We operate with open doors and clear communication.
Main Office
1250 1st Avenue SouthSeattle, WA 98144, USA
Hours of Operation
- Mon-Fri: 9:00-17:00
- Sat: 9:00-13:00
- Sun: Closed
Ready to manage your account?
Access your dashboard through the secure hvfcu online login to manage transfers, view statements, and apply for loans directly from your device.