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Hudson Valley Banks

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

(518) 453-9748
532 Central Ave
Albany, NY 12206

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 (607) 829-3560 38 Main Street Franklin, NY 13775

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Putnam County

PCH FCU (845) 279-5711 666 Stoneleigh Avenue Putnam Hospital Center Carmel, NY 10512

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

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 EFCU (518) 276-6593 110 8th Street C/O RPI Room 313 West Hall Troy, NY 12180

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

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

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

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

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

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

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.

Promissory Note

A written promise to pay a lender a fixed amount of of money over a specified period of time.

Simple Interest

Interest calculated on the orginal principal only.

Variable Interest

Rate of interest that is tied to a certain index, depending on the loan, and changes periodically as the index changes.

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