Cross Valley Credit Union Mocanaqua PA | Best Auto Loans & Business Banking

Introduction

Welcome to Cross Valley, your trusted financial partner located at 132 S Main St, Mocanaqua, PA 18655. Established in 1969, we have been dedicated to serving our community for over five decades, and today, we proudly serve 17,258 members. At Cross Valley, we understand that banking is more than just transactions; it's about building relationships and supporting our members' dreams. With total assets amounting to an impressive $242,941,732, we are well-equipped to meet your financial needs. Our commitment to you goes beyond just numbers; it's reflected in our exceptional service and the variety of products we offer. From auto loans where we've financed over 5,930 vehicles to savings accounts with a total deposit balance of $32,200,154, we strive to provide solutions that fit your lifestyle. Our leadership team is dedicated to your success. Led by CEO Traci Donahue and Board President Richard Shields, our experienced staff is here to guide you through every step of your financial journey. We have a total of 56 employees ready to assist you with personalized services tailored to your needs. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 640 Baltimore Dr, Wilkes Barre, PA 18702-7943. Whether you're looking for personal banking options like checking and savings accounts or business loans and merchant services, we've got you covered. We invite you to explore how Cross Valley can help you achieve your financial goals. For more information or assistance, please call us at 570-823-6836 or visit our website at crossvalleyfcu.org. Join us in making a difference in our community today!

Branch History & Mission

At Cross Valley, we take pride in our rich history and commitment to serving our members in Mocanaqua, PA. Established in 1969, our branch has been a cornerstone of the community for over five decades. With the aim of providing financial services that empower individuals and families, we have grown alongside our members and adapted to meet their evolving needs. Located at 132 S Main St, Mocanaqua, PA 18655, our branch is easily accessible to all who seek personalized banking solutions. We invite you to visit us during our operating hours: Wednesday from 2 PM to 7 PM, Thursday and Friday from 10 AM to 7 PM, and Saturday from 9 AM to 12 PM. If you wish to send official correspondence, please use our mailing address at 640 Baltimore Dr, Wilkes Barre, PA 18702-7943. Over the years, Cross Valley has achieved remarkable milestones. We currently serve 17,258 members with total assets amounting to an impressive $242,941,732. Our focus on community engagement is evident through various outreach programs and partnerships that support local initiatives. We believe that banking should not just be about transactions but about building relationships and fostering growth within the community. Our mission is clear: we strive to provide exceptional financial services while supporting the people of Mocanaqua and surrounding areas. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we are dedicated to helping you achieve your financial goals. Our team is committed to delivering outstanding service through a customer-centric approach that prioritizes your needs. As technology advances, so do we! At Cross Valley, we embrace digital banking options such as online banking and mobile applications for your convenience. Additionally, our facilities are ADA compliant to ensure accessibility for all members of our community. You can also enjoy the ease of using our ATM services and drive-thru banking for quick transactions. Join us at Cross Valley and experience the difference of being part of a credit union that truly cares about its members. Whether you're a long-time member or considering joining us for the first time, we welcome you with open arms. Discover how we can help you secure your financial future today! For more information or assistance, feel free to contact us at 570-823-6836 or visit our website at crossvalleyfcu.org.

Branch Location & Accessibility

Connect with Us

At Cross Valley Credit Union, we're dedicated to making your banking experience as smooth as possible. While members can visit us at our Mocanaqua location for all their financial needs, official correspondence should be sent to our mailing address: 640 Baltimore Dr., Wilkes Barre, PA 18702-7943. We invite you to come by and see how we can help you achieve your financial goals!

Nearby Landmarks and Accessibility

You'll find us just a short drive from the scenic Susquehanna River and near local shops that add to the vibrant community atmosphere. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking spaces to ensure everyone can visit us comfortably.

Operating Hours and Services

We understand that life can get busy, which is why we offer flexible banking hours. Our lobby is open on Wednesdays from 2 PM to 7 PM, Thursdays and Fridays from 10 AM to 7 PM, and Saturdays from 9 AM to 12 PM. We're closed on Mondays and Tuesdays as well as Sundays. With both drive-thru banking and ATM access available, you can handle your transactions quickly and efficiently without needing to step inside. In addition to traditional banking services such as checking and savings accounts, we also provide auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. If you have any questions or need assistance, don't hesitate to reach out at 570-823-6836.

Member Eligibility

Joining the Cross Valley community opens the door to a world of financial opportunities and support. To become a member, you'll need to meet some straightforward eligibility criteria. If you live, work, worship, or attend school in Luzerne County or certain neighboring areas, you're likely eligible to join! We welcome individuals from various backgrounds and lifestyles because we believe everyone deserves access to quality financial services. For specific details about who can join, feel free to check out our eligibility guidelines at this link. Getting started is easy! Simply visit us at our Mocanaqua Branch located at 132 S Main St, Mocanaqua, PA 18655, or give us a call at 570-823-6836 if you have any questions. When you're ready to open an account, you can do so conveniently online by following this link: Open an Account. We're excited to welcome you to the Cross Valley family where your financial goals are our priority!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner that helps you manage payments effortlessly. Our merchant services offer straightforward payment processing solutions, allowing you to focus on what truly matters running your business. From point-of-sale systems to online payment options, we provide tools that enhance customer satisfaction and streamline your operations. Located conveniently at 132 S Main St Mocanaqua Pa 18655, Mocanaqua, PA, our team is ready to assist you in navigating your business banking needs. Contact us today at (570) 823-6836 to learn more about how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $11 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,419,243, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, we offer robust Business Banking services. This includes Merchant Services that streamline payment processing and Business Loans that can help grow your enterprise. We understand that managing a business is complex, so we're here to simplify banking for you.

Convenient Access

We know that convenience matters. That's why we offer an ATM & Cash Withdrawal Services, along with basic drive-thru banking options for quick deposits and withdrawals. You can also count on our friendly staff during lobby hours from Wednesday through Saturday if you prefer face-to-face service.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows members to earn points on purchases which can be redeemed for exciting rewards. It's a great way to make the most out of your spending while enjoying all the benefits of being part of Cross Valley.

Get Started Today!

At Cross Valley, we are committed to supporting our members every step of the way. To learn more about how we can assist you in reaching your financial goals or to open an account, give us a call at 570-823-6836 or visit us online at Cross Valley FCU. Join us today and experience community-driven banking like never before!

Loans for Every Need

When it comes to financing, we understand that life can present various challenges and opportunities. Our Auto Loans & Vehicle Financing options make it easy for you to get behind the wheel of your dream car without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our competitive Mortgage Loans are here to help make those dreams a reality. Do you need extra cash for a big purchase or to consolidate debt? Our Personal Loans can provide the financial boost you need, allowing you to take control of your expenses and reduce stress.

Personal Banking

For everyday banking needs, we offer Checking and Savings Accounts that come with features designed for convenience and flexibility. Imagine having access to your funds anytime you need them through our Online & Mobile Banking platforms. You can easily check balances, transfer money, and pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Features

One of the standout features at Cross Valley is our Electronic Signature Authorization. This means you can sign documents electronically, saving time and eliminating the hassle of printing and mailing paperwork. Plus, our E-Statements Availability allows you to receive your statements electronically, helping you stay organized while being environmentally friendly. For those who want to send money quickly to friends or family, our Person-to-Person Transfers feature makes it easy. Simply enter the recipient's details, and you can send money instantly without needing cash or checks. If you're always on the move, you'll appreciate our Mobile Application. It allows you to manage your accounts right from your smartphone. While we currently don't offer mobile payments, our app provides everything else you need for effective account management at your fingertips.

Security You Can Trust

We prioritize your security at Cross Valley. Our online banking services are equipped with robust security measures to protect your information. You can feel confident knowing that your data is safe while you enjoy the convenience of online banking. Whether you're checking in on your savings or making transactions during your lunch break, our digital banking options ensure that managing your finances is easier than ever before. Join us today and experience how effortless banking can be with Cross Valley!

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 44 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With a total of 35,009 share accounts, we show a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cross Valley is your trusted partner. Visit us at 132 S Main St Mocanaqua Pa 18655 or call 570-823-6836 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $17,502,659 in share certificates and $43,973,285 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Your Future

With $20,266,555 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $22,153,267 in used auto loans and $106,119,106 in total loans and leases.

Solid Foundation

With a net worth of $20,339,932, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.37% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $35,473,267 in used vehicle loans and $17,211,370 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles, ensuring you have options that fit your budget.

Business Financing

For business owners in our community, our outstanding commercial loans totaling $1,419,243 provide the capital needed to grow and expand your ventures. We believe in supporting local businesses as they play a vital role in our economy.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $10,286,974, designed to make your journey toward owning a home smoother. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is ready to assist you every step of the way.

Personal Financing Options

In addition to auto and mortgage loans, we also provide unsecured credit card loans for everyday expenses. Currently, we have $0 in unsecured credit card loans available. While this may seem limited now, we are committed to offering flexible terms when we do provide these options in the future.

Refinancing and Eligibility

If you're considering refinancing any of your current loans or checking eligibility for our various loan products, we encourage you to reach out. Our knowledgeable team is here to walk you through your options and help find the best solution for your unique financial situation. For more information or to get started with any of our loan offerings, feel free to contact us at 570-823-6836 or visit us at our branch located at 132 S Main St Mocanaqua Pa 18655. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Cross Valley can support your financial journey today!

CROSS VALLEY FEDERAL CREDIT UNION