Products & Services

Find A Surcharge Free ATM

FREE Checking...NO Minimum Balance...NO Per Check Charges...

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FREE VISA Debit Card....SURCHARGE FREE at over 32,000 ATM's via the CO_OP and Allpoint ATM networks...use it anywhere that VISA is taken.

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Holiday & Vacation Clubs

	Do you have a tough time saving money?
	Do you find yourself facing the holiday season without enough cash on-hand for all the things you want to do?
	Do you think it’s impossible to ever take a vacation because you’ll never be able to afford it?

We have a solution. Our new Holiday Club and Vacation Club make it easy to save! Have a small amount deducted from each paycheck or transferred from another account on a regular schedule and you won’t even miss it! Before you know it, you’ll have a nice little nest egg. 

Here’s how to save for next Christmas:

1.  First, determine how much you’ll need during the holiday season: gift-giving, parties, travel, or household decorations.
2. Next, decide if you want to save through Payroll Deduction (having a portion of your paycheck deposited each pay period) or ACH (transferring funds electronically from one of your other bank accounts).
3.  Then, divide your savings need (from step one) by the frequency of your deposits (from step two, each pay period for example) to determine the amount to have deducted from your paycheck or transferred from your other account. (You can make deposits yourself, too. It’s just so much easier to have it done automatically.)
4. Open a Holiday Club and set-up the deposits you’ve determined you need to make (in step three).
5.  Finally, forget about it until the holiday season approaches and you get to reap the rewards of saving! Holiday Club funds are distributed on November 1st every year. You can have the funds transferred to your checking or savings account or have a check mailed to you.

The Vacation Club works the same way – determine your need, break it into manageable deposits, have those deposits made automatically or make them yourself – the only difference is that YOU determine when to have the funds distributed. Planning a trip for July? Start saving now and get your money in June. Traveling in September? Schedule your distribution for August. You get the idea.

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New Mortgage Webcenter Home Purchases Refinances Free Online Pre-Approvals Instant Rate Quotes Calculators

Visit our MORTGAGE WEBCENTER now!

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Auto & Home Insurance

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Savings Products Offered

• Savings Account  (share account)
• Certificate of Deposit

Click here for rates on our savings products!

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Direct Consumer Loans Offered
Hudson River Teachers Federal Credit Union offers the following types of direct consumer loans:

Click Here For a Consumer Loan Application
(When comleted, Print and Fax to 914-739-8372 or save a copy and e-mail the completed application to (info@hudsonriverteachers.org) .

* All loans are subject to qualification of the borrower.

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Student Loan Program

From textbooks to tuition, we've got you covered.

Don't let the rising costs of higher education get you down. Whether you need to cover smaller expenses like books and meals or you need several thousand dollars to assist with tuition costs, we're here to help.

Our partnership with CU Student Higher Education Loan Program (CU Student H.E.L.P.) helps students fill the gap between the cost of attendance and traditional financial aid. With a CU Student H.E.L.P . loan, no payments are required while the student is enrolled at least half-time. Other benefits include a 12-month grace period after graduation and no penalty for prepayment.

Apply Online today and receive an online decision in less than a minute.
Or you can apply by phone at (877) CUEDLOAN or (877) 283.3562.

Undergraduate and Graduate Loans

Additional Program Features

• Borrowers can apply online 24/7 and get an online decision in less than a minute;
• Cosigner is eligible for release during repayment ² ;
• Borrowers may receive interest rate reductions for auto-debit and on-time payments ² ;
• Level and graduated repayment options with forbearance up to one year; and
• No prepayment penalties.

Borrower Qualifications

To be eligible for a Hudson River Teachers Federal Credit Union Student H.E.L.P. loan, the borrower must be 18 (19 in Nebraska and Alabama, 21 in Puerto Rico & Mississippi) ³ by the date of application, enrolled at least half-time in, or admitted to, an eligible institution and a U.S. citizen or eligible non-citizen holding a valid, unexpired USCIS form I-151 or I-551. Borrower must be making satisfactory academic progress.

Apply Now

CU Student H.E.L.P. is administered by CampusDoor. All loans are subject to credit approval. Lender is Lehman Brothers Bank, FSB. Equal Opportunity Lender. Hudson River Teachers Federal Credit Union is compensated for the referral of private loan customers to the Lender.

¹ The incidental loan can be a maximum of 30% of the requested loan amount, up to a $3,000 maximum loan amount, with a minimum loan amount of $500. Please note that if the Financial Aid Office reduces the loan amount at certification, the amount of the incidental loan may be reduced or possibly eliminated.

² Borrower benefits terms and conditions are subject to change.

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