Mountain Valley Credit Union Peru NY | Low Mortgage Rates & Auto Loans

Introduction

At Mountain Valley Federal Credit Union, we believe in the power of community and the strength of financial partnerships. Established in 1963, our credit union has been a trusted resource for 4,714 members in the heart of Peru, NY. Located conveniently at 700 Bear Swamp Rd, Peru, NY 12972, our branch is dedicated to serving your banking needs with integrity and commitment. With total assets amounting to an impressive $53,967,959 and total deposits reaching $699,696, Mountain Valley stands strong as a pillar of financial support. Our dedicated team of 6 employees, led by our CEO Maggie Pope and Board President Kathleen Roach, works tirelessly to ensure that you receive personalized service tailored to your unique situation. Whether you're looking for auto loans, mortgages, or simple savings accounts, we have options designed just for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 565, Peru, NY 12972. We understand that accessibility is vital; that's why we offer various services including online and mobile banking, ATMs, and basic drive-thru services for your convenience. Our commitment doesn't stop at just providing banking services. With a net worth of $4,422,984 and cash in hand totaling $1,750,250, we are well-positioned to support our members' financial dreams while ensuring the stability of our credit union. We're here to help you navigate your financial journey with confidence. Ready to take the next step? Visit us today or give us a call at 518-643-9915 to learn how Mountain Valley Federal Credit Union can help you achieve your financial goals!

Branch History & Mission

Commitment to Innovation

As times change, so do we. We have embraced digital advancements that make banking easier and more efficient for our members. From online banking services to mobile payment options, we ensure that managing your finances is convenient and secure. We are proud to be ADA compliant so that everyone can access our services without barriers. Additionally, our branch features an ATM for quick cash withdrawals and drive-thru banking for those who prefer face-to-face interactions without leaving their vehicles. We are dedicated to providing services that fit into your lifestyle.

Join Us

We invite you to become part of the Mountain Valley family! Experience the benefits of membership where you can enjoy competitive rates on loans and savings products while being part of a community-focused organization. For more information or to open an account, please call us at (518) 643-9915 or visit our website. Together, let's build a brighter future for you and the community!

Our Mission

At Mountain Valley, our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of community and belonging among our members. We believe in putting people first offering personalized solutions like checking and savings accounts, auto loans, mortgage financing, and business banking options tailored to meet your unique needs. We understand that financial literacy is essential for growth and stability. That's why we actively engage with local schools and organizations to promote education about money management and responsible borrowing. Our goal is not only to help you achieve your financial goals but also to uplift the entire community through outreach programs and partnerships with local businesses.

Branch Location & Accessibility

Finding Us

While members can visit us at our branch address, official correspondence should be sent to PO Box 565, Peru, NY 12972. We have ample parking available to make your visit as hassle-free as possible. Our facility is fully accessible, featuring ADA-compliant ramps and entrances to ensure everyone can enjoy our services comfortably.

Get in Touch!

If you have questions or need assistance, don't hesitate to call us at 518-643-9915. We're here to help! Whether you're a long-time member or considering joining our family, we invite you to visit us soon and experience the personalized service that sets us apart. Your financial journey starts here at Mountain Valley Federal Credit Union!

Operating Hours

Our lobby is open Monday through Wednesday from 8:30 AM to 4:00 PM, and Thursday to Friday from 8:00 AM to 5:00 PM. We also offer drive-thru banking for those who prefer the convenience of staying in their vehicle. Drive-thru hours match our lobby hours, providing flexibility for your banking needs.

Services Offered

At Mountain Valley Federal Credit Union, we pride ourselves on offering a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered! Need cash quickly? Our ATM is available for withdrawals and balance checks whenever you need it.

Member Eligibility

Becoming a member of Mountain Valley is like joining a close-knit community that values each individual's journey. If you live, work, worship, or attend school in the area around 700 Bear Swamp Rd Peru Ny 12972, you're already on the path to membership! This inclusive approach means that many people can take advantage of the great services we offer. Whether you're looking for personal banking options or loans, our friendly team is here to help you every step of the way. For more details on eligibility, please visit our resource page at https://mountainvalleyfcu.com/membership/. Ready to open an account? The process is simple and straightforward! You can get started right away by visiting us online at https://mountainvalleyfcu.com/apply-for-a-loan/ or by giving us a call at (518) 643-9915. We're excited to welcome you to the Mountain Valley family and look forward to supporting your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced environment, efficient payment solutions are crucial. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Imagine a busy Saturday at your shop; customers can quickly pay with ease while you manage your inventory seamlessly. Located conveniently at 700 Bear Swamp Rd Peru Ny 12972, Peru, NY 12972, we're here to help you thrive. Contact us today at (518) 643-9915 to explore how our business banking services can benefit you!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we provide top-notch online and mobile banking services. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills anytime, anywhere. Plus, our ATM and cash withdrawal services ensure that accessing cash is hassle-free whenever you need it.

Easy Transactions with Drive-Thru Banking

If you prefer face-to-face interaction but are short on time, our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. It's perfect for those busy days when every minute counts! At Mountain Valley, we're committed to making banking accessible and user-friendly. If you'd like to learn more about how we can assist you with any of these services or if you have any questions, don't hesitate to reach out! Call us at 518-643-9915, or visit us online at Mountain Valley Federal Credit Union. Your financial well-being is our priority!

Financing Your Dreams

When it comes to achieving your dreams, whether that's buying a new car or owning a home, Mountain Valley has you covered with competitive auto loans and vehicle financing options. Picture yourself driving off in that new car or refinancing an existing loan to reduce your payments our flexible terms make it possible. Additionally, our mortgage loans and refinancing options allow you to secure a home or lower your current interest rates, putting more money back into your pocket. For those unexpected expenses or plans that need funding, our personal loans and debt consolidation services provide relief when you need it most. We aim to simplify your financial obligations so that you can focus on what truly matters.

Personal Banking Made Simple

We understand that personal banking is at the heart of your financial journey. That's why we offer checking and savings accounts designed for convenience and accessibility. Imagine easily managing your day-to-day expenses while saving for those special moments in life. Our accounts come with features that help you track your spending and grow your savings over time.

Rewarding Credit Options

Looking to earn rewards while spending? Our credit cards with rewards offer great benefits tailored just for you. Use them for everyday purchases and watch the rewards add up! It's an easy way to enjoy perks while managing your finances responsibly.

Supporting Local Businesses

We also believe in fostering local entrepreneurship through our business banking services, which include merchant services and business loans. If you're a small business owner in need of financial support, we're here to help you thrive.

Digital & Online Banking

At Mountain Valley, we understand that managing your finances should be as simple and secure as possible. That's why we offer a range of digital and online banking services designed to fit your lifestyle. Whether you're at home or on the go, our services give you the convenience and peace of mind you deserve. With our user-friendly online banking platform available at https://mountainvalleyfcu.com/, you can access your accounts 24/7. This means you can check balances, make transfers, and pay bills anytime you need. Plus, our mobile application allows you to manage your finances right from your smartphone. It's like having a bank branch in your pocket! We also offer e-statements, so you can say goodbye to paper clutter and keep track of your finances digitally. Not only is this feature eco-friendly, but it also keeps your statements secure and easily accessible whenever you need them. If you're someone who loves the ease of mobile payments, we've got you covered! Our mobile payments feature lets you make purchases quickly and securely with just a tap. You can enjoy the freedom of paying bills or shopping without having to carry cash or cards. While electronic signature authorization isn't available at this time, rest assured that all transactions are protected by top-notch security measures. Your information is safe with us, so you can focus on what truly matters your financial goals. For those looking to send money to friends or family, we currently do not support person-to-person transfers, but our other features ensure that managing your money is still easy and efficient. In summary, Mountain Valley is committed to providing an accessible and secure online banking experience that empowers you to take control of your financial life. Join us today and discover how our digital banking services can simplify your everyday tasks!

Financial Strength

A Strong Foundation

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.

Commitment to Growth

Our commitment to you is further demonstrated by having $4,176,227 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures. With $413 in used auto loans and $40,536,649 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Growing Together

With a robust membership base of 7,842, more individuals trust us with their finances every day. We also manage net shares (funds available for lending and investments) amounting to $2,392,377, which helps reinforce our commitment to serving you effectively. 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 700 Bear Swamp Rd Peru Ny 12972 or call (518) 643-9915 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us. We hold $3,087,097 in share certificates and $1,242,642 in money market shares, which offer 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.

Operational Efficiency

We are proud to report that our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Our dedicated team consists of 6 full-time employees who are always ready to assist you with their expertise.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with 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 purchasing a brand-new model or a reliable used vehicle, we have financing options that fit your budget.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also provide personal loans and credit lines. With a total of $1,500,000 available in credit lines, you can manage unexpected expenses or plan for big purchases without stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,725,967, providing you with the flexibility and support needed to secure your dream home.

Refinancing Options

If you're considering refinancing an existing loan, our team can help you explore eligibility options that may save you money over time. We are committed to finding solutions that best serve your financial needs. At Mountain Valley, we prioritize transparency and accessibility in our services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. For more information about our loan offerings or to start the application process today, feel free to reach out to us at 518-643-9915 or visit us at 700 Bear Swamp Rd, Peru NY 12972. Let us help you take the next step toward achieving your financial goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While our current total stands at $0, we are always ready to assist members in managing their finances effectively through various options.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, it's crucial to have a reliable tool that helps you navigate the lending landscape efficiently. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence to strict guidelines guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By relying on verified data, LendMesh builds trust with its users, knowing they can count on the integrity of the information provided. One of the standout features of LendMesh is its commitment to transparency. All loan offers come exclusively from legitimate financial institutions, which eliminates any concerns about misleading or inflated rates. Furthermore, LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. This means that users can make informed decisions without worrying about hidden agendas or sponsored listings. Another benefit of using LendMesh is its real-time rate comparisons. Users have access to up-to-date loan rates from multiple institutions, allowing them to quickly identify the best options for their specific needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking for a trustworthy tool to compare loans without the noise of advertising gimmicks, LendMesh is your go-to solution. 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.

Mountain Valley