Last Updated: 07/28/2025
Mid-Hudson Valley FCU Visa Signature Rewards
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.99% - 14.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
8.74% - 11.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Annual Fee
$0
Mid-Hudson Valley FCU Visa Signature Rewards Review
This is a rewards card issued by Mid-Hudson Valley Federal Credit Union. If you're wondering whether Mid-Hudson Valley FCU Visa Signature Rewards is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Mid-Hudson Valley FCU Visa Signature Rewards has a variable regular purchase APR that ranges from 11.99% up to 14.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Mid-Hudson Valley FCU Visa Signature Rewards
| The Good | The Bad |
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Mid-Hudson Valley FCU Visa Signature Rewards FAQ
Does Mid-Hudson Valley FCU Visa Signature Rewards have a cash back or rewards program?
Mid-Hudson Valley FCU Visa Signature Rewards is a rewards card.
| Description |
Does Mid-Hudson Valley FCU Visa Signature Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Mid-Hudson Valley FCU Visa Signature Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Mid-Hudson Valley FCU Visa Signature Rewards benefits?
Mid-Hudson Valley FCU Visa Signature Rewards provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Mid-Hudson Valley FCU Visa Signature Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Mid-Hudson Valley FCU Visa Signature Rewards has a variable purchase APR that ranges from 11.99% up to 14.99%. The card has a variable balance transfer APR that ranges from 8.74% up to 11.74%. It also has a variable cash advance APR that ranges from 8.74% up to 11.74%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Mid-Hudson Valley FCU Visa Signature Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 8.74% - 11.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mid-Hudson Valley FCU Visa Signature Rewards have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Mid-Hudson Valley FCU Visa Signature Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Mid-Hudson Valley FCU Visa Signature Rewards have a foreign transaction fee?
Mid-Hudson Valley FCU Visa Signature Rewards charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Mid-Hudson Valley FCU Visa Signature Rewards?
The customer service number for Mid-Hudson Valley FCU Visa Signature Rewards is (845) 336-4444.
What is the support contact email for Mid-Hudson Valley FCU Visa Signature Rewards?
The support contact email for Mid-Hudson Valley FCU Visa Signature Rewards is contactus@mhvfcu.com.
How do people rate the customer service and user experience of Mid-Hudson Valley FCU Visa Signature Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Mid-Hudson Valley FCU Visa Signature Rewards report your account activity to credit bureaus?
Yes, Mid-Hudson Valley FCU Visa Signature Rewards reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Mid-Hudson Valley Federal Credit Union perform a hard credit pull?
Yes, Mid-Hudson Valley FCU Visa Signature Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Mid-Hudson Valley FCU Visa Signature Rewards
- Visit the website of Mid-Hudson Valley FCU Visa Signature Rewards.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
6:00AM - 2:00AM
Tuesday
6:00AM - 2:00AM
Wednesday
6:00AM - 2:00AM
Thursday
6:00AM - 2:00AM
Friday
6:00AM - 2:00AM
Saturday
6:00AM - 11:00AM
Other Services by Mid-Hudson Valley Federal Credit Union
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Rating not yet determined
Purchase APR
7.49% - 10.49%
Disclaimer popup with additional information
Balance Transfer APR
7.49% - 10.49%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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