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

Introduction

Welcome to Cross Valley, your trusted partner in financial services located at 113 S Main St, Mountain Top, PA 18707. Since our establishment in 1969, we have been dedicated to serving our community with integrity and commitment. As a proud member of the Cross Valley family, you join over 17,258 members who benefit from our extensive range of financial products and services tailored to meet your needs. At Cross Valley, we understand that your financial journey is unique. That's why we offer a variety of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. With total assets exceeding $242 million, and total deposits reaching $32 million, our solid financial foundation ensures that we are here for you today and in the future. While members can visit us at our branch location, official correspondence should be sent to 640 Baltimore Dr., Wilkes Barre, PA 18702. Our friendly team of 56 employees, led by CEO Traci Donahue and Board President Richard Shields, is committed to providing personalized service every time you reach out. With a net worth of $20 million and cash reserves of $4.7 million, we prioritize your financial security while also fostering growth opportunities within our community. Whether you're looking to open a checking account or secure a loan for your dream vehicle, we are ready to assist you. We invite you to explore how Cross Valley can support your financial goals. Feel free to reach out at 800-548-2849 or visit us online at Cross Valley FCU. Let's take this journey together!

Branch History & Mission

Welcome to Cross Valley, where our story began in 1969 right here in Mountain Top, PA. Over the years, we have evolved from a small community credit union into a trusted financial partner for over 17,000 members. Our location at 113 S Main St, Mountain Top, PA 18707 has become a cornerstone of the community. While members can visit us at this address, official correspondence should be sent to our mailing address at 640 Baltimore Dr., Wilkes Barre, PA 18702. Our mission is simple yet powerful: we are dedicated to providing our members with exceptional financial services while supporting the growth and well-being of our community. We believe that everyone deserves access to affordable banking solutions that help them achieve their financial goals. Whether it's through personal banking, auto loans, mortgages, or business financing, we strive to make your experience smooth and rewarding. As we grew, so did our commitment to innovation and customer satisfaction. Today, Cross Valley boasts total assets of $242,941,732 and offers a range of services including online and mobile banking options. We ensure that our facilities are accessible to everyone and provide modern conveniences like ATMs and drive-thru banking for quick transactions. In addition to offering essential financial products such as checking accounts and credit cards with rewards, we actively engage with our community through outreach programs and partnerships. We understand that our success is intertwined with the prosperity of those we serve. To meet the needs of our members effectively, we maintain flexible operating hours: Monday through Friday from 8:30 am to 4:30 pm and Saturday from 9:00 am to 1:00 pm. Our team is always ready to assist you at every step of your financial journey. Join us at Cross Valley today! Experience the warmth of a community-focused credit union where your needs are prioritized. Discover how we can support you in reaching your financial aspirations because here, you're not just a member; you're family. For more information about membership or to open an account, please visit our website or call us at 800-548-2849.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with accessibility in mind, ensuring everyone can visit us comfortably. With ADA-compliant features and easy parking options nearby, accessing our services has never been easier. We also offer a drive-thru service for those quick transactions, so you can stay on the go without missing a beat.

Operating Hours

We're here for you during the week and on Saturdays! Our lobby hours are Monday through Friday from 8:30 AM to 4:30 PM, extending to 5:30 PM on Fridays for your convenience. On Saturdays, our drive-thru is open from 9:00 AM to 1:00 PM, making it simple to handle your banking tasks even on the weekend.

Services Offered

At Cross Valley, we pride ourselves on providing a wide range of financial services tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage financing, our dedicated team is here to help. Plus, enjoy the ease of ATM access right at our location for quick cash withdrawals and balance checks. While members can visit us at 113 S Main St, official correspondence should be sent to our mailing address at 640 Baltimore Dr., Wilkes Barre, PA 18702. If you have any questions or need assistance, don't hesitate to reach out! Call us at 800-548-2849. We look forward to welcoming you in person soon!

Member Eligibility

At Cross Valley, we believe that everyone deserves a chance to join our friendly community and enjoy the benefits of credit union membership. If you're looking to become part of something special, you'll be pleased to know that eligibility is quite simple. Residents or individuals who work in Luzerne County are warmly welcomed to join us. Whether you're a first-time member or switching from another institution, we're here to support your financial journey every step of the way. Getting started is easy! You can find all the details about membership criteria on our website at https://www.crossvalleyfcu.org/about/membership/. Once you're ready to open an account, just visit us at https://application.crossvalleyfcu.org/ where the process is straightforward and user-friendly. If you have any questions, feel free to reach out to us at (800) 548-2849. We can't wait to welcome you into our community at Cross Valley, located conveniently at 113 S Main St Mountain Top Pa 18707!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Picture your store bustling with customers eager to check out. Our services allow you to accept various payment methods smoothly, ensuring that transactions are quick and hassle-free. This means happier customers and more sales for you! Visit us at 113 S Main St Mountain Top Pa 18707 in Mountain Top, PA, or call us at (800) 548-2849 to learn how we can help your business thrive today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a car? We provide auto loans and vehicle financing options that cater to different budgets and preferences. Our competitive rates make it easier for you to drive away in the vehicle of your dreams without breaking the bank.

Business Banking

For our entrepreneurial members, we offer business banking services tailored for growth. From merchant services that make transactions easy to business loans that can fund your next big project, we are committed to supporting local businesses every step of the way.

Digital Banking Features

In today's busy world, convenience is key. With Cross Valley, you'll have access to online and mobile banking platforms that allow you to check balances, transfer funds, and pay bills from anywhere. Plus, our ATM services ensure that cash withdrawals are just a few taps away.

Drive-Thru & Basic Banking Services

Need quick assistance? Our drive-thru service provides an efficient way to handle deposits and withdrawals without leaving your car. For those who prefer face-to-face interactions or have simple transactions in mind, our lobby is open during convenient hours throughout the week. If you're ready to explore how Cross Valley can assist you on your financial journey or if you have any questions about our services, don't hesitate to reach out! Call us at (800) 548-2849, visit us in person at 113 S Main St Mountain Top Pa 18707, or check out our website at Mountaintop. We look forward to serving you!

Mortgage Loans & Refinancing

Homeownership is a big step, and we are here to guide you through it. Our mortgage loans offer flexible terms to help you secure your dream home. If you're already a homeowner, consider our refinancing options that could lower your monthly payments or help you tap into your home's equity.

Personal Banking

Managing your finances should be easy and convenient. That's why we offer various personal banking options, including checking and savings accounts designed to fit your lifestyle. Need to make purchases or manage expenses? Our credit cards come with rewards that can help you get more out of your spending.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Whether it's medical bills, home repairs, or a special event, our personal loans provide quick access to funds when you need them most. If you're managing multiple debts, our debt consolidation services can simplify your financial life by combining them into one manageable payment.

Digital & Online Banking

Additional Services

We also offer e-statements for easy access to your account statements without the clutter of paper. Plus, if you need to send money quickly to friends or family, our person-to-person transfer feature makes it simple and fast. And for those who prefer cashless transactions, you can take advantage of mobile payments through various options available in our app. With 24/7 online banking services available, you're never out of reach from your accounts. Whether it's early morning or late at night, managing your finances has never been more accessible. Experience the freedom and control of digital banking today at Cross Valley!

Key Features

Our online banking platform allows you to manage your accounts with ease. You can view balances, transfer money, and pay bills all in one place. For those who are always on the go, our mobile application makes it even simpler to handle your banking needs right from your smartphone. Whether you're checking your balance or making a quick payment, everything is just a tap away. Security is our top priority. We utilize electronic signature authorization to ensure that all transactions are safe and secure. You can feel confident knowing that your personal information is protected while you enjoy the flexibility of managing your finances online.

Financial Strength

Commitment to Service

Our commitment to operational efficiency is reflected in our $842,156, enabling 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 ready to serve you with knowledge and dedication.

Growing Together

Total Share Accounts stand at 35,009, showing a strong and growing member base that trusts us with their finances. This trust empowers us to build a community focused on mutual success. 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 113 S Main St Mountain Top Pa 18707 or call (800) 548-2849 to learn more about how we can help you achieve your financial goals.

Member-Centric 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 for Your Benefit

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 across various sectors with $2,215 in used auto loans and $106,119,106 in total loans and leases.

Solid Financial 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. Whether you're interested in financing a new or used vehicle, our team is here to guide you through the process and ensure you find a solution that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,419,243 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and aim to support your journey with tailored lending solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,286,974, make buying or refinancing simple. We provide personalized support throughout your mortgage journey, making it easier for you to secure a home that meets your needs.

Refinancing Options

If you're considering refinancing any existing loans or lines of credit, our team can help you explore eligibility options that may lower your monthly payments or reduce interest rates. Our dedicated staff at Cross Valley, located at 113 S Main St Mountain Top Pa 18707, Mountain Top, PA 18,707, is available to answer any questions you might have about our loan offerings. Feel free to reach out to us at (800) 548-2849 during our operating hours: Monday - Thursday from 8:30 am - 4:30 pm, Friday from 8:30 am - 5:30 pm, and Saturday from 9:00 am - 1:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to providing transparent information so you can make informed decisions about your financial future. Visit us today and discover how we can assist you in achieving your financial goals!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards can be an excellent tool for building credit while enjoying the convenience of easy access to funds when needed.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you can trust that the offers you see are fair and transparent. By working with only verified lenders, LendMesh ensures that your comparisons reflect genuine market conditions.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You won't find misleading information here. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This way, you can make choices based solely on what's best for you. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly. This feature is crucial in today's fast-changing financial environment. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this underscore the reliability and efficiency of our platform. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

CROSS VALLEY FEDERAL CREDIT UNION - Mountain Top, PA

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