# Mid-Hudson Valley Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/mid-hudson-valley-federal-credit-union
Institution: Mid-Hudson Valley Federal Credit Union (NCUA 15766)
Aliases: 
Status: live
Last verified: 2026-10-23T01:44:35.000Z (October 22, 2026)
Official source: https://www.mhvfcu.com/rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 6 months | $100,000 | 3.10% | Not ZIP-priced | −1.30% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 6 months | $500 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 9 months | $500 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Jumbo Certificate | standard | 12 months | $100,000 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 12 months | $500 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 15 months | $500 | 4.15% | Not ZIP-priced | −0.50% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 18 months | $500 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 30 months | $500 | 3.00% | Not ZIP-priced | −1.91% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 36 months | $500 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |
| Certificate | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-23T01:44:35.000Z | [Snapshot 665](https://apyledger.com/snapshots/665) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.