Free Access to Your FICO® Score | Hudson Valley Credit Union

Mortgage Loans | Hudson Valley Credit Union

Explore Credit Cards & Apply Online | Hudson Valley Credit Union

Open an Account at HVCU | Hudson Valley Credit Union

Home Equity Lines of Credit & Loans | Hudson Valley Credit Union

Hudson Valley Credit Union - Loans, Credit Cards, Mortgages & Financial Services

Auto Loans, Motorcycle & Car Financing | Hudson Valley Credit Union

Individual Retirement Account | Hudson Valley Credit Union

First time visit: View without clicking anything

Branches/ATMs | Find a Hudson Valley Credit Union Near You

Lists of related items should be written [semantically](https://html.com/semantic-markup/) as a 
list.

Usually this means rewriting these to use the `<ul>` or `<ol>` tags.

This allows assistive technologies to more easily navigate from item to
item, or past entire groups of links if the user wants to. 

## Examples 

### Navigation

This navigation:

```html
<a href="/about">About us</a>
<a href="/products">Products</a>
<a href="/contact">Contact us</a>
```

Should be rewritten as a list:

```html
<ul>
  <li><a href="/about">About us</a></li>
  <li><a href="/products">Products</a></li>
  <li><a href="/contact">Contact us</a></li>
</ul>
```

### Tables for content

This single-column table is redundant. There is no
value in placing the content in a table, which makes
it harder for screen reader users to interpret and interact
with.

```html
<table>
  <tr>
    <td>
      Banana
    </td>
  </tr>
  <tr>
    <td>
      Apple
    </td>
  </tr>
  <tr>
    <td>
      Pear
    </td>
  </tr>
</table>
```

Should be rewritten as a list:

```html
<ul>
  <li>Banana</li>
  <li>Apple</li>
  <li>Pear</li>
</ul>
```

## Justification

Users of assistive technologies, like screen readers, can skip an entire
list in one step. In some cases, they can even search inside a list. 

These aids are not available where links are written outside a list. 
Failing to use lists correctly can force users to have to step through
hundreds of items one at a time.

## Methodology

1. Any single-column tables are automatically considered 
   redundant lists. 
2. For non-table elements, recursively work down the page looking inside
   each element for links separated by minimal amounts of non-link text. 
   If the non-link text is below 30 characters 
   in length, we assume we're inside content that should be a list.
   Some exceptions are made, e.g. the presence of an `<hr>` would break
   out of the list.

## More information

See [Technique
H48](https://www.w3.org/TR/2016/NOTE-WCAG20-TECHS-20161007/H48) for
details.

mark-navigation-section-as-list

December 2025

November 2025

Hudson Valley Credit Union

	Title / URL	Issues
	Free Access to Your FICO® Score \| Hudson Valley Credit Unionwww.hvcu.org/online-services/fico-scores/	7
	Mortgage Loans \| Hudson Valley Credit Unionwww.hvcu.org/personal/borrow/mortgages/	5
	Explore Credit Cards & Apply Online \| Hudson Valley Credit Unionwww.hvcu.org/personal/bank/credit-cards/	2
	Open an Account at HVCU \| Hudson Valley Credit Unionwww.hvcu.org/personal/bank/open-an-account/	2
	Home Equity Lines of Credit & Loans \| Hudson Valley Credit Unionwww.hvcu.org/personal/borrow/home-equity/	2
	Hudson Valley Credit Union - Loans, Credit Cards, Mortgages & Financial Serviceswww.hvcu.org/	2
	Auto Loans, Motorcycle & Car Financing \| Hudson Valley Credit Unionwww.hvcu.org/personal/borrow/vehicle-loans/	2
	Individual Retirement Account \| Hudson Valley Credit Unionwww.hvcu.org/personal/bank/iras/	2
	First time visit: View without clicking anythingwww.hvcu.org/	2
	Branches/ATMs \| Find a Hudson Valley Credit Union Near Youwww.hvcu.org/about-us/branches-atms/	1

Write lists or groups of links semantically

Hudson Valley Credit Union

Where this issue has occurred