Overdraft Line of Credit FAQ

To apply for a loan with Hudson Heritage Federal Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange, Dutchess or Ulster Counties, New York or have an immediate family member who is already a member of Hudson Heritage Federal Credit Union. You will be required to become a member prior to loan closing with a $5 initial deposit in a savings account.  Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.

The terms for an Overdraft Line of Credit are not applicable. Please refer to the Overdraft Line of Credit table for more information.

The variable APR for an Overdraft Line of Credit  is 18.00%. Please refer to the Overdraft Line of Credit table for more information.

The fixed APR for an Overdraft Line of Credit is not applicable. Please refer to the Overdraft Line of Credit table for more information.

Overdraft Protection with Courtesy Pay from HHFCU saves you from the inconvenience and embarrassment of insufficient funds in your account. Courtesy Pay is not a line of credit. HHFCU will cover your overdrafts up to $500. There is a fee of $32 each time we pay an overdraft, but you will not be caught in the predicament of having your debit card transaction declined due to lack of funds. Plus, you’ll have the added measure of protecting your credit rating. Get started by signing up for Overdraft Protection with Courtesy Pay.