The Hudson Valley Federal Credit Union has $4.0 billion in assets and over 284,000 members. Its return on average assets in 2013 was 0.84. It has a 0.05% account yield, a $5 minimum amount to open an account and no monthly service fee. The penalty for nonsufficient funds is $30. The Hudson Valley Federal Credit Union has an A+ rating with the BBB and a five-star rating with Bauer Financial.