Mid-Hudson Valley Federal Credit Union in Kingston, NY

This credit union is the worst one yet. They have been closed for two business days over a "technology upgrade" that has denied its members access to any of their account information and the ability to perform necessary transactions, while enabling themselves to collect fees for negative balances/overdrawn accounts. These banking errors are caused by the eliminated access to account information. I will tell everyone I meet and know about this and NOT to use this institution and if they ever reopen will be removing my funds immediately and switching to another institution.

This is an all-around good credit union, I've been very pleased. For me, the most valuable service they offer is their live teller machines after-hours and on the weekends.

I have several accounts, a line of credit and a vehicle loan with MHVFCU. Every employee I've ever encountered has always been tremendously friendly and the atmosphere is fantastic in the Kingston branches. My complaints are: In the midst of changing life circumstances I had some confusion after re-arranging which accounts were used for bills and which accounts were used for day-to-day spending. Ultimately, I ended up being charged $455 worth of $35 over-draft fees over a two day spending period, even though I had the funds available in a different account. $175 was refunded, but not until after I was told that I needed to take responsibility for my actions and instructed to hand-write a note to the CEO explaining the situation and asking for the funds to be refunded. Second complaint: When I was presented with the line of credit (which I have been using as an overdraft protection account), I was never told that I would be charged $3 for EVERY transaction from the line of credit. Over the course of 2 years, this has amounted to around $600. I've been a longtime customer with several accounts and a loan and I've been charged close to $1000 by MHVFCU.