Mid-Hudson Valley Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Mid-Hudson Valley Federal Credit Union's highest tracked CD (share certificate) rate is 4.15% APY on a 15-month CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.00% to 4.15% APY.
Tracking began .
Mid-Hudson Valley Federal Credit Union CD & share certificate rates
Membership required. Fixed-rate personal certificates only, with a $500 minimum and $100,000 jumbo tiers where listed. Variable-rate VIP certificates and IRA certificates are excluded. Dividends compound monthly. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Jumbo Certificate | $100,000 | 3.10% | −1.30% | Top 62% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate | $500 | 3.00% | −1.40% | Top 69% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate | $500 | 3.25% | −1.23% | Top 75% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Jumbo Certificate | $100,000 | 3.50% | −1.07% | Top 59% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $500 | 3.40% | −1.17% | Top 63% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | Certificate | $500 | 4.15% | −0.50% | Verified October 22, 2026 |
| 18 months | Certificate | $500 | 3.50% | −1.22% | Top 57% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $500 | 3.75% | −1.12% | Top 40% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Certificate | $500 | 3.00% | −1.91% | Verified October 22, 2026 |
| 36 months | Certificate | $500 | 3.00% | −1.95% | Top 63% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $500 | 3.00% | −1.98% | Top 60% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $500 | 3.00% | −2.01% | Top 64% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Mid-Hudson Valley Federal Credit Union's best CD rates by term?
Mid-Hudson Valley Federal Credit Union's best rate is 4.15% APY on 15 months, verified October 22, 2026.
- 6 mo3.10%
- 9 mo3.25%
- 12 mo3.50%
- 15 mo4.15%
- 18 mo3.50%
- 24 mo3.75%
- 30 mo3.00%
- 36 mo3.00%
- 48 mo3.00%
- 60 mo3.00%
How much interest could a Mid-Hudson Valley Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$521.12 interest · $10,521.12 at maturity on $10,000.00.
4.15% APY · 15 months · Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $74.653.00% APY · Certificate · Standard | $149.303.00% APY · Certificate · Standard | $373.263.00% APY · Certificate · Standard | $746.513.00% APY · Certificate · Standard |
| 9 months | $121.503.25% APY · Certificate · Standard | $243.003.25% APY · Certificate · Standard | $607.493.25% APY · Certificate · Standard | $1,214.993.25% APY · Certificate · Standard |
| 12 months | $170.003.40% APY · Certificate · Standard | $340.003.40% APY · Certificate · Standard | $850.003.40% APY · Certificate · Standard | $1,700.003.40% APY · Certificate · Standard |
| 15 months | $260.564.15% APY · Certificate · Standard | $521.124.15% APY · Certificate · Standard | $1,302.804.15% APY · Certificate · Standard | $2,605.604.15% APY · Certificate · Standard |
| 18 months | $265.033.50% APY · Certificate · Standard | $530.063.50% APY · Certificate · Standard | $1,325.163.50% APY · Certificate · Standard | $2,650.323.50% APY · Certificate · Standard |
| 24 months | $382.033.75% APY · Certificate · Standard | $764.063.75% APY · Certificate · Standard | $1,910.163.75% APY · Certificate · Standard | $3,820.313.75% APY · Certificate · Standard |
| 30 months | $383.703.00% APY · Certificate · Standard | $767.403.00% APY · Certificate · Standard | $1,918.493.00% APY · Certificate · Standard | $3,836.983.00% APY · Certificate · Standard |
| 36 months | $463.643.00% APY · Certificate · Standard | $927.273.00% APY · Certificate · Standard | $2,318.173.00% APY · Certificate · Standard | $4,636.353.00% APY · Certificate · Standard |
| 48 months | $627.543.00% APY · Certificate · Standard | $1,255.093.00% APY · Certificate · Standard | $3,137.723.00% APY · Certificate · Standard | $6,275.443.00% APY · Certificate · Standard |
| 60 months | $796.373.00% APY · Certificate · Standard | $1,592.743.00% APY · Certificate · Standard | $3,981.853.00% APY · Certificate · Standard | $7,963.703.00% APY · Certificate · Standard |
How Mid-Hudson Valley Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 17 of 55 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Mid-Hudson Valley Federal Credit Union (this institution)Certificate · Standard | 15 months | $500 | Membership required · branches in NY | 4.15% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Available nationwide | 4.30% | October 22, 2026 |
| Apple BankHigh-Yield Certificate of Deposit (Special Offer) · Promotional | 15 months | $25,000 | Branches in NJ, NY | 4.00% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Mid-Hudson Valley Federal Credit Union on October 22, 2026.
About Mid-Hudson Valley Federal Credit Union
- Legal name
- Mid-Hudson Valley Federal Credit Union
- Regulator ID
- NCUA 15766
- Headquarters
- Kingston, NY
- Available in
- NY
- Total assets
- $1.7 billion
- Also known as
- Website
- www.mhvfcu.com
Source: rates read from https://www.mhvfcu.com/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Mid-Hudson Valley Federal Credit Union?
Among the rates we track, 4.15% APY on a 15-month CD, as of October 22, 2026.
What is the minimum deposit for a Mid-Hudson Valley Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Mid-Hudson Valley Federal Credit Union's best CD rate compare with Treasury yields?
4.15% APY is −0.50% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Mid-Hudson Valley Federal Credit Union CDs insured?
Mid-Hudson Valley Federal Credit Union is a federally insured credit union (NCUA 15766). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Mid-Hudson Valley Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Mid-Hudson Valley Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Mid-Hudson Valley Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Mid-Hudson Valley Federal Credit Union before opening an account. This page is not financial advice.