Hudson Valley Federal Credit Union (often shortened to HVFCU) is a credit union in the New York counties of Dutchess, Orange, Ulster and Putnam. As of September 2013[update], the institution had 277,000+ members and approximately 800 employees. It is one of the largest credit unions in the United States. HVFCU offers a wide variety of services, including checking accounts, savings accounts, vehicle loans, home equity loans and lines of credit, mortgages, financial planning through HVFCU Financial Services, property & casualty insurance through Hudson Valley Insurance Agency, business loans and accounts, and VISA debit, credit, and gift cards. HVFCU offers its members access to over 82,000 surcharge-free ATMs nationwide in the Allpoint, CO-OP, Presto!, and SUM ATM Networks.