Hudson Valley

The Hudson Valley and The Catskills

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Hudson Valley Banks

Terms To Know...

BS Google

BS county

Non-Profit Credit Counseling Agency: 2 Computer Drive West; Albany, NY 12205; Business: (518) 482-0203 x 3305; Counseling: (518) 482-2227; Toll Free: 1-800-479-6026

Albany County

Albany City Lodge K of P FCU
10 Russell Road
Albany, NY 12206
(518) 438-2224

Albany Fireman's FCU
532 Central Ave
Albany, NY 12206
(518) 453-9748

Directors Choice CU
426 New Karner Road
Albany, NY 12205
(518) 456-2686

Empire Corporate FCU
1021 Watervliet-Shaker Road
Albany, NY 12205
(518) 292-3800

Excelsior CU
341 New Karner Road
Albany, NY 12205
(518) 456-7144

FASNY FCU
107 Washington Avenue
Albany, NY 12210
(518) 434-7352

Health EFCU
43 New Scotland Avenue
Albany Medical Center
Albany, NY 12208
(518) 262-3090

Newspaper ECU
1 News Plaza
Albany, NY 12212
(518) 454-5363

State EFCU
195 New Karner Road
Albany, NY 12205
(518) 452-8183

Cohoes City Employees FCU
(518) 233-2116
97 Mohawk Street
Cohoes, NY 12047

Capital Communications FCU
18 Computer Drive
East Albany, NY 12205
(518) 458-2195

Delmar OCF FCU
1277 Feura Bush Road
Feura Bush, NY 12067
(518) 475-3628

Hudon Valley FCU
35 Cohoes Avenue
Green Island, NY 12183
(518) 273-1341

Community Resource FCU
20 Wade Road
Latham, NY 12110
(518) 783-2211

School Systems FCU
125 Defreest Drive
Rensselaer Technology Park
Troy, NY 12180
(518) 286-1611

First Teachers FCU
Union Street
Schenectady, NY 12309
(518) 393-1326 1776

Sunmark FCU
1 Broadway Center
8th Floor
Schenectady, NY 12305
(518) 382-2597

Columbia County

Columbia Greene FCU: 207 A Green Street; Hudson, NY 12534; (518) 828-5216

The National Union Bank of Kinderhook: 1 Hudson Street; Kinderhook, NY 12106; 518-758-7101

Delaware County

Chen-Del-O FCU
38 Main Street
Franklin, NY 13775
(607) 829-3560

Sidney FCU
42 Union Street
Sidney, NY 13838
(607) 561-7300

Wilber National Bank: Operates sixteen offices in Otsego, Delaware, Schoharie and Ulster Counties.; Sidney Office, 19 Union Street,; Sidney, NY 13838; (607) 563-7770; Delhi Office, Sherwoods Road,; Delhi, NY 13753; (607) 746-2162; Downsville Office, 126 Main Street,; Downsville, NY 13755; (607) 363-7211; Fleischmanns Office, Main Street,; Fleischmanns, NY 12430; (845) 254-5252

Dutchess County

Matteawan FCU
Assylum Road
Beacon, NY 12508
(845) 831-6761

Hudson Valley Federal Credit Union: 159 Barnegat Rd; Poughkeepsie, NY 12601; 800-468-3011; Description: Financial Services / Credit Union

Marine Midland Bamk: Main Street; Pleasant Valley, NY 12569; 845-635-3411

The Bank of New York: Pleasant Valley Shopping Center; Pleasant Valley, NY 12569; 845-635-2191

Central Hudson EFCU
284 South Avenue
Poughkeepsie, NY 12601
(845) 486-5209

DOT FCU
21 Burnett Blvd, Suite 2
Poughkeepsie, NY 12603
(845) 452-3451

Hudson Valley FCU
159 Barnegat Road
Poughkeepsie, NY 12601
(845) 463-3011

Poughkeepsie Public School CU
70 Forbus Street
Poughkeepsie High School
Poughkeepsie, NY 12603
(845) 451-4922

TEG FCU
10 Tucker Drive
Poughkeepsie, NY 12603
(845) 452-7323

Greene County

Coxsackie Correctional EFCU (518) 731-6004 11260 Route 9W Coxsackie, NY 12051

National Bank of Coxsackie: Coxsackie 518-731-6161; West Coxsackie 731-6141; Greenville 966-5388; Ravena 756-2185; Athens 945-1400

Orange County

Middletown FCU
11 Center Street
Middletown, NY 10940
(845) 343-2850

Valley Central FCU
17 Walnut Street
Montgomery, NY 12549
(845) 457-5592

Eastern New York FCU
710 Berme Road
Napanoch, NY 12458
(845) 647-3131

Hudson Heritage FCU
2 Corwin Court
Newburgh, NY 12550
(845) 561-5607

Pine Bush Central FCU
Boniface Drive
Pine Bush Professional Building
Pine Bush, NY 12566
(845) 744-5332

Kolmar NY EFCU
King Street
Port Jervis, NY 12771
(845) 856-5311

Orange County NY School EFCU
Sussex Street - Exchange Plaza
Port Jervis, NY 12771
(845) 856-1005

Putnam County

PCH FCU
Stoneleigh Avenue
Putnam Hospital Center
Carmel, NY 10512
(845) 279-5711

Putnam FCU
1995 Route 6
Carmel, NY 10512
(845) 225-8962

Rensselaer County

Falls FCU
(518) 686-4180
26 John Street
Hoosick Falls, NY 12090

Hoosick FCU
(518) 686-4504
27 Main Street
Hoosick Falls, NY 12090

Niagara Mohawk Power Corp Troy EFCU
(518) 270-3400
235 Oakwood Avenue
Extension Troy, NY 12182

Norton Troy ECU
(518) 266-2481
2600 10th Avenue
c/o Saint-Gobain Abrasives
Watervliet, NY 12189

Postal Employees of Troy NY FCU
(518) 272-7300
400 Broadway
US Post Office Troy, NY 12180

RPI Employees Federal Credit Union
313 West Hall, RPI
110 8th Street
Troy NY 12180-3590
(518) 276-6593

School Systems FCU
(518) 286-1611
125 Defreest Drive
Rensselaer Technology Park
Troy, NY 12180

Troy FCU
(518) 272-1688
51 State Street
Troy, NY 12181

Uncle Sam FCU
(518) 273-3444
1 Monument Square
City Hall
Troy, NY 12180

Yankee Doodle FCU
(518) 434-4609
101 Washington Avenue
Rensselaer, NY 12144

Rockland County

Avon FCU (845) 368-2040 46 Washington Avenue Suffern, NY 10901

Empire State CU (845) 356-2545 385 West Route 59 Spring Valley, NY 10977

North East Alliance FCU (845) 735-6659 55 Old Turnpike Road Suite 301 Nanuet, NY 10954

North Rockland Educational FCU (845) 786-2616 14 Liberty Square Stony Point, NY 10980

O & R Utilities EFCU (845) 783-5490 500 Route 208 Monroe, NY 10950

Palisades FCU (845) 602-4242 300 North Middletown Road Suite 6 Pearl River, NY 10965

Rockland EFCU (845) 359-1836 140 Old Orangeburg Road RPC Bldg 1 2nd Floor Orangeburg, NY 10962

SUMA (Yonkers) FCU (914) 220-4900 125 Corporate Blvd Yonkers, NY 10701

Schenectady County

1st National Bank of Scotia: 120 Erie Blvd; Schenectady, NY 12305; 518 370-7265; Description:: All banking needs, business and individual

City of Schenectady EFCU (518) 346-3007 105 Jay Street City Hall Room 1 Schenectady, NY 12305

First Teachers FCU (518) 393-1326 1776 Union Street Schenectady, NY 12309

Mohawk Progressive FCU (518) 372-0828 1760 State Street Schenectady, NY 12304

Postal ECU (518) 370-3230 29 Jay Street Schenectady, NY 12301

Price Chopper EFCU (518) 355-8280 404 Princetown Road Schenectady, NY 12306

Schenectady County EFCU (518) 374-3830 133 Wall Street Schenectady, NY 12305

St Clare's Hospital EFCU (518) 347-5880 600 McClellan Street Schenectady, NY 12304

State EFCU (518) 452-8183 195 New Karner Road Albany, NY 12205

Stratton Air National Guard FCU (518) 372-1254 Air National Guard Road Scotia, NY 12302

Sunmark FCU (518) 382-2597 1 Broadway Center 8th Floor Schenectady, NY 12305

First Teachers FCU (518) 393-1326 1776 Union Street Schenectady, NY 12309

Schohari County

First Teachers FCU (518) 393-1326 1776 Union Street Schenectady, NY 12309

Bank of Richmondville: 857 East Main St., Cobleskill, NY 12043 518-234-4397

Central National Bank: 691 E. Main St., Cobleskill, NY 12043, 518-234-4331

Fleet Bank: 287 Main St., Schoharie, NY 12157, 518-295-8145

Key Bank of New York: 117 Veterans Dr., Cobleskill, NY 12043, 518-234-3511

Hudson River Bank & Trust Co.: Barnerville Rd. Cobleskill NY 12043, 518-234-3878

Troy Savings Bank: 3704 State Route 30, Middleburgh, NY 12122, 518-827-7888

National Bank of Stamford: 1 Churchill Ave., Stamford, NY 12167, 607-652-7545

First Teachers Federal Credit Union: 795 E. Main St., Cobleskill, NY 12043, 518-234-2583

Trustco Bank: Rt. 7, Wal Mart Plaza, Cobleskill, NY 12043, 518-254-0290

Wilber National Bank: 139 East Main St. Cobleskill, NY 12043, 518-234-2535

Sullivan County

Catskill Regional FCU (845) 292-5453 156 Sullivan Avenue Suite 1 Ferndale, NY 12734

Cooperative FCU (845) 434-4550 PO Box 307 Woodridge, NY 12789

Eastern New York FCU (845) 647-3131 710 Berme Road Napanoch, NY 12458

Ulster County

Eastern New York FCU (845) 647-3131 710 Berme Road Napanoch, NY 12458

Mid-Hudson Valley FCU (845) 336-4444 1099 Morton Boulevard Kingston, NY 12401

Ulster FCU (845) 339-5544 500 Washington Avenue Kingston, NY 12401

Ellenville National Bank: 70 Canal Street; PO Box 669; Ellenville, NY 12428; 845-647-4300; 845-647-4002 fax

First Hudson Valley Bank: 845-339-7000 - Kingston; 845-336-5500 - Ulster

Hudson United Bank: 68 Mill Hill Road; Woodstock, NY 12498; 845-679-3862

Marine Midland Bank: 1200 Ulster Avenue; Kingston, NY 12401

Mid-Hudson Valley Federal Credit Union: P.O. Box 1429; Kingston, NY 12402; 845-336-4444

M&T Bank: Wall Street, Kingston, NY; Shop Rite, Kingston, NY; New Paltz; Highland

Rondout Savings Bank: 300 Broadway; Kingston, NY 12401; 845-331-0073; Branches in West Hurley

Sawyer Savings: 85 Market Street; Saugerties, NY 12477; 845- 246-9541; 845- 246-4960 fax; 800- 486-9266; Mortgage Department: 845-246-2894; Milton Branch Office; 30 Main Street; Milton, NY 12547; 845- 795-2933; Fax: 845- 795-5820; Toll-Free 800- 486-9266

Ulster Federal Credit Union: 845-339-5544

Ulster Savings Bank: 180 Shwenk Drive; Kingston, NY 12401; 845-338-6322; Description:: Banking, savings, checking, home financing

Wilber National Bank: Boiceville Office; Route 28; Boiceville, NY 12412; 845-657-8733

Westchester County

Academic FCU (914) 923-3608 Elm Road C/O Pace University Briarcliff, NY 10570

Akzo FCU (914) 674-5000 Akzo Nobel Chemicals Inc Dobbs Ferry, NY 10522

AT & T White Plains FCU (914) 397-6056 440 Hamilton Avenue Room 100 C White Plains, NY 10601

BET FCU (914) 963-1554 111 St Johns Avenue Yonkers, NY 10704

Consumers Union EFCU (914) 378-2214 101 Truman Avenue Yonkers, NY 10703

Educational & Governmental EFCU (914) 946-6200 333 North Central Avenue 2nd Floor Hartsdale, NY 10530

Greater Centennial FCU (914) 664-1838 312 South 8th Avenue Mt Vernon, NY 10550

Harrison Teachers FCU (914) 777-2935 33 Oakland Avenue Harrison, NY 10528

Hudson River Teachers FCU (914) 739-5788 2085 East Main Street Cortland Manor, NY 10567

Kraft Foods FCU (800) 874-5544 2 Manhattanville Road Suite 401 Purchase, NY 10577

Macedonia Baptist FCU (914) 665-1167 141 South 9th Avenue Mt Vernon, NY 10550

MAMTA FCU (914) 834-3200 130 Hommocks Road Hommocks School Larchmont, NY 10538

Messiah Baptist FCU (914) 965-4218 76 Warburton Avenue Yonkers, NY 10701

Montrose VA Hospital FCU (914) 737-3507 Route 9A Building 1 Ground Floor Room 20 Montrose, NY 10548

Mt Vernon Postal EFCU (914) 668-0638 15 South First Avenue Post Office Mt Vernon, NY 10550

NestEgg FCU (315) 593-3131 726 West Broadway Fulton, NY 13069

NRPO EFCU (914) 632-3308 Post Office Building New Rochelle, NY 10802

NY Methodist FCU (914) 615-2222 20 Soundview Avenue White Plains, NY 10606

People's Alliance FCU (631) 434-3500 125 Wireless Boulevard Hauppauge, NY 11788

Pepsico EFCU (914) 253-3429 700 Anderson Hill Road Purchase, NY 10577

Port Chester Teachers FCU (914) 939-4870 11 Rye Ridge Plaza #9 Rye Brook, NY 10573

SCF Westchester NY EFCU (914) 694-3421 1000 Westchester Avenue Room 1139 White Plains, NY 10610

Sing Sing EFCU (914) 762-3372 2 Church Street Ossining, NY 10562

St Peter's (Yonkers) FCU (914) 963-0822 91 Ludlow Street Yonkers, NY 10705

SUMA (Yonkers) FCU (914) 220-4900 125 Corporate Blvd Yonkers, NY 10701

Triple A FCU (914) 939-1776 54 Clinton Street Port Chester, NY 10573

USAlliance FCU (914) 921-0500 600 Midland Avenue Rye, NY 10580

Union Baptist Greenburgh FCU (914) 948-6917 31 Manhattan Avenue White Plains, NY 10607

Unistar FCU
303 South Broadway, Suite 126
Tarrytown, NY 10591
(914) 631-1381

White Plains PO EFCU (914) 761-6507 100 Fisher Avenue White Plains, NY 10602

Yonkers Postal ECU (914) 423-9502 79-81 Main Street Yonkers, NY 10701

Yonkers Teachers FCU (914) 761-5775 1061 North Broadway Yonkers, NY 10701

Terms to know

Accrued Interest: Interest that accumulates on the loan and is payable by the borrower or federal government. Each day, interest is calculated on the unpaid principal balance and becomes accured interest.

Amortization: Gradually reducing the loan amount to zero through regularly scheduled payments of principal and interest spread over a predetermined length of time.

Borrower: An indivdual who obtains money from a lending institution by the extension of credit for a period of time. The borrower signs a promissory note as evidence of the debt.

Cancellation: Unlike other consumer loans , the balance of an education may be canceled upon death or disability of the borrower.

Capitalized Interest: Interest that is added to the principal amount. When this is done, the principal amount and monthly payments are increased during the repayment period, since you are paying interest on interest.

Co-signer: When a borrower has no collateral or credit history, a creditworthy individual may be required to sign the promissory note for a loan. This individual, called a co-signer, guarantees that the loan will be repaid if the borrower defaults.

Credit Reporting Agency: An agency that collects and distributes credit and personal information to creditors. A credit report includes payment history on loans and other credit accounts, such as credit cards, balances of accounts, and length and place of employment.

Creditworthiness: Having a good credit history, or no credit history.

Default: The failure of a borrower to make an installment payment when due, or to meet other terms of the promissory note.

Deferment: An approved postponement of payment for a specified period.

Deferred Interest: Interest payments that are potponed for the borrower and paid at a later date.

Delinquent: The failure of a borrower to make a loan payment when due.

Disclosure: Statement of actual cost to the borrower for a loan, the interest rate and any additional finance charges.

Fixed Interest: Rate of interest that does not change during the life of the loan.

Forbearance: A special arrangement between the borrower and the lender, at the lender's option, that allows the borrower to temporarily stop making payments, obtain an extension for making the payments, or make smaller payments than orginally scheduled.

Garnishment: Withholding a specific sum from wages to satisfy a debt.

Grace Period: The period before the borrower begins repaying the loan.

Lender: The bank, savings and loan, credit union, or other approved entity from which you obtained your loan.

Maturity Date: The date upon which a promissory note becomes due and payable.

Origination Fee: A fee, deducted from principal, that is sent to the federal goverment as insurance for a loan default.

Principal / Principal Balance: Principal is the face value of the loan or the amount borrowed upon which interest is charged. The principal balance is the amount remaining after subtracting the payments made against the orgininal principal.