Mountain Valley Credit Union Au Sable Forks NY | Best Auto Loans & Business Banking

Introduction

Welcome to the Mountain Valley branch, located at 2499 Nys Route 9N, Au Sable Forks, NY 12912. Since opening our doors in 1963, we have been committed to serving our community with trust and integrity. With a robust membership of 4,714 and total assets reaching $53,967,959, we pride ourselves on being a reliable financial partner for individuals and businesses alike. At Mountain Valley, we believe that strong communities are built on solid financial foundations. That's why we offer a variety of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. Our dedicated team is here to help you navigate your financial journey with confidence. With over $699,696 in total deposits and a net worth of $4,422,984, we stand as a testament to sound financial management and community commitment. Our CEO, Maggie Pope, along with Board President Kathleen Roach, leads our team of six employees who are always ready to assist you. While members can visit us at our branch for personal service, official correspondence should be sent to the same address: 2499 NYS Route 9N, Au Sable Forks, NY 12912. If you have questions or need assistance, don't hesitate to reach out via phone at 518-825-2265. Explore how we can support your financial goals by visiting our website at mountainvalleyfcu.com. We invite you to join us in building a brighter future together!

Branch History & Mission

At Mountain Valley, our roots run deep in the community of Au Sable Forks, NY. Established in 1963, our branch has grown alongside the people we serve, becoming a cornerstone of financial support and community engagement. With a commitment to helping our members achieve their financial goals, we proudly boast a membership of over 4,700 individuals who trust us with their banking needs. Located at 2499 NYS Route 9N, Au Sable Forks, NY 12912, our branch is easily accessible for all members. Whether you're stopping by for a quick transaction or to discuss your financial future, you'll find a warm welcome and friendly faces ready to assist you. For any official correspondence, please send it to our mailing address at the same location. Our mission is simple yet impactful: to provide high-quality financial services while fostering a sense of community and support among our members. We understand that banking is not just about numbers; it's about relationships and building trust. That's why we prioritize personal connections and strive to offer tailored solutions that meet the unique needs of each member. As we continue to evolve, Mountain Valley remains committed to embracing modern advancements while ensuring accessibility for everyone. We are proud to offer online and mobile banking services that make managing finances convenient. Our facilities are ADA compliant, ensuring everyone can access our services without barriers. Over the years, we've expanded our services beyond traditional banking. From auto loans and mortgages to credit cards with rewards and business banking options, we aim to be your one-stop shop for all your financial needs. Additionally, we actively engage in community outreach programs, partnering with local organizations to give back and strengthen our community ties. With total assets reaching over $53 million, we have built a strong foundation that allows us to support our members effectively. Our drive-thru service is available for those on the go, along with ATM access for quick withdrawals and balance checks. We invite you to join the Mountain Valley family today! Experience firsthand how we can help you achieve your financial dreams while being part of a vibrant community dedicated to mutual success. To learn more about membership options or to apply for a loan, visit us online at Mountain Valley or call us at 518-825-2265. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Mountain Valley branch, your friendly financial partner located at 2499 Nys Route 9N in the heart of Au Sable Forks, NY. Nestled in beautiful Clinton County, our branch is conveniently situated near local landmarks and easily accessible for all members. Whether you're stopping by for personal banking services or need help with loans, our location is designed with your convenience in mind. While members can visit us at our branch address, official correspondence should be sent to the same address: 2499 NYS Route 9N, Au Sable Forks, NY 12912. Our branch features ample parking and is fully ADA compliant, ensuring that everyone can access our services without hassle. At Mountain Valley, we pride ourselves on providing excellent service with operating hours that fit your busy schedule. Visit us from Monday through Friday; our lobby is open from 8:30 AM to 4:00 PM, while the drive-thru service operates even earlier from 8:00 AM until 5:00 PM on Fridays. For those who prefer digital banking options, we also offer online and mobile banking services for easy access anytime you need them. Plus, you can take advantage of our ATM availability for quick cash withdrawals or balance checks. Our dedicated team is here to assist you with a variety of services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. If you have any questions or need assistance, don't hesitate to reach out to us at (518) 825-2265. We invite you to stop by our Mountain Valley branch today and see how we can support your financial journey!

Member Eligibility

At Mountain Valley, we believe that everyone deserves a supportive community to help them achieve their financial goals. Becoming a member is easy and welcoming! If you live, work, or attend school in the local area, you're likely eligible to join our credit union family. We also encourage family members of existing members to apply. This inclusivity ensures that our community can thrive together. Plus, once you're a member, you'll have access to a variety of financial products and services designed with your needs in mind, from checking accounts to loans tailored for every stage of life. To learn more about the specific eligibility requirements, feel free to visit our website at Mountain Valley Membership. If you're ready to take the next step and open an account, check out our application process here: Account Opening. Should you have any questions or need assistance, don't hesitate to give us a call at (518) 825-2265. We're excited to welcome you into the Mountain Valley community!

Business Banking & Commercial Services

Financing Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $17 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,593,960, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Life Easier

In addition to loans, we offer merchant services that streamline payment processing. Imagine being able to accept payments quickly and securely, enhancing customer satisfaction while freeing up your time to focus on what you do best running your business. Located at 2499 Nys Route 9N Au Sable Forks Ny 12912 in Au Sable Forks, NY, our dedicated team is here to assist you. Reach out at (518) 825-2265 and discover how we can help propel your business forward!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key in today's fast-paced world. At Mountain Valley, we provide ATM & Cash Withdrawal Services for quick access to your cash when you need it most. With ATMs available at strategic locations, you won't have to worry about finding one nearby.

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing make it simple to hit the road. We understand that purchasing a car is a big decision. Our competitive rates and flexible terms can help make your dream of owning a car a reality without straining your budget. Plus, you can apply conveniently through our website.

Business Banking

We also cater to local businesses with our Business Banking services, which include merchant services and business loans. If you're an entrepreneur looking to grow your business or enhance cash flow, we have the tools to support you.

Credit Cards with Rewards

For those who enjoy earning as they spend, our Credit Cards with Rewards offer fantastic benefits. You can earn points on everyday purchases that can be redeemed for exciting rewards turning regular spending into something rewarding!

Drive-Thru Banking

Our Basic Drive-Thru Banking allows you to handle deposits, withdrawals, and other simple transactions without leaving your car perfect for busy days when every minute counts! In addition to these services, we're proud of our commitment to digital banking features like online banking and mobile applications that make managing your finances easier than ever. If you're ready to explore how Mountain Valley can help meet your financial goals or if you have questions about any of our services, don't hesitate to give us a call at 518-825-2265. We're here for you! Visit us today at Mountain Valley's Website for more information or to get started on opening an account or applying for a loan!

Mortgage Loans & Refinancing

Thinking about buying your first home or refinancing an existing mortgage? Our Mortgage Loans offer options that cater to various financial situations. Picture yourself settling into a cozy home where memories are made our team is here to guide you through every step of the process.

Personal Banking

Whether you are just starting out or looking to manage your finances more effectively, our Personal Banking options are designed for you. We offer checking and savings accounts that provide flexibility and easy access to your funds. Imagine being able to effortlessly manage your everyday expenses while saving for that dream vacation or a new home. With our online and mobile banking services, you can check balances, transfer money, and pay bills anytime, anywhere.

Personal Loans & Debt Consolidation

Life sometimes throws unexpected expenses your way. Our Personal Loans provide quick access to funds for those unforeseen moments. Additionally, if you're looking to streamline your finances, consider our debt consolidation options that can lower monthly payments and simplify your budgeting.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, giving you the freedom to check balances, transfer funds, and pay bills whenever it suits you. Say goodbye to long lines and limited hours! You can also enjoy the convenience of e-statements, allowing you to review your account activity without the clutter of paper statements. Plus, our mobile application makes banking on the go a breeze. If you're looking for quick payment options, our mobile payments feature lets you make secure transactions directly from your smartphone. While person-to-person transfers aren't currently available, we are committed to providing secure and efficient ways for you to manage your money.

Security and Ease of Use

Your security is our top priority. We ensure that all online transactions are protected with advanced security measures so you can bank with confidence. Our platform is designed for ease of use, allowing you to navigate effortlessly through your options. Whether you're using our website or mobile app, you'll find real-time account management tools that keep you in control of your finances. And while we don't offer electronic signature authorization just yet, we're dedicated to enhancing your banking experience continually. With Mountain Valley, managing your money has never been more accessible or secure. Explore our digital banking services today and take advantage of all the benefits we have to offer!

Financial Strength

Commitment to Growth

Our $4,176,227 in undivided earnings reflects our commitment to reinvesting in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $413 in used auto loans and $40,536,649 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 7,842, showcasing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $2,392,377, further demonstrating our capability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mountain Valley is your trusted partner. Visit us at 2499 Nys Route 9N Au Sable Forks Ny 12912 or call (518) 825-2265 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 6 full-time employees ready to assist you with knowledgeable service.

Secured Savings for Members

Your savings are secured through $3,087,097 in share certificates and $1,242,642 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $8,805,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $4,422,984, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $820 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. We have provided over $6,269,643 in used vehicle loans and $2,154,097 in new vehicle loans already helping members get on the road. Whether you're after a brand-new model or a reliable used vehicle, we make it easy to secure financing that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,593,960 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational costs, we are here to support your business ambitions. At Mountain Valley, we believe in making borrowing straightforward and accessible. If you're interested in refinancing or learning more about eligibility options for any of these loan products, feel free to reach out! You can contact us at (518) 825-2265 for personalized assistance. 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 our loan offerings today and see how we can assist you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,725,967, making buying or refinancing simple. We offer competitive rates and flexible terms to help you navigate the home-buying process with confidence.

Personal Financing

For those looking for flexibility in managing expenses, we also provide unsecured credit card loans with total offerings of $0. This allows members to handle unexpected costs or consolidate debt without collateral requirements.

Loan Aggregator

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Mountain Valley