Mountain Valley Credit Union Wilmington NY | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Mountain Valley, your trusted financial partner located at 5790 Nys Route 86, Wilmington, NY 12997. Established in 1963, our credit union has been a pillar of the community for over five decades, serving a dedicated membership of 4,714 individuals who rely on us for their financial needs. With total assets amounting to an impressive $53,967,959 and total deposits reaching $699,696, we are committed to providing secure and accessible banking solutions. Under the leadership of our CEO, Maggie Pope, and Board President, Kathleen Roach, Mountain Valley is more than just a credit union; we are a community-focused organization that believes in putting our members first. Our dedicated team of 6 employees is here to assist you with personal banking services including checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. While members can visit us at our Wilmington branch for all their banking needs, official correspondence should be sent to our mailing address: 700 Bear Swamp Rd, Peru, NY 12972. At Mountain Valley, we pride ourselves on our strong financial standing with a net worth of $4,422,984 and cash in hand totaling $1,750,250. Whether you're looking for loans over 1,937 loans are currently available or simply need a safe place to save your money, we're here to help you achieve your financial goals. Explore our website at Mountain Valley FCU or call us at 518-418-2050 to learn more about how we can serve you better. Join us today and experience the difference that comes from being part of a supportive credit union dedicated to its members!

Branch History & Mission

At Mountain Valley, our story began in 1963 when we opened our doors in the picturesque town of Wilmington, NY. Nestled at 5790 Nys Route 86, just a stone's throw from the stunning landscapes of the Adirondack Mountains, we've been dedicated to serving our community for over six decades. Our journey has been marked by growth and resilience, and today we proudly serve a membership of over 4,700 individuals who trust us with their financial needs. Throughout the years, Mountain Valley has evolved significantly while remaining committed to our core mission: to provide exceptional financial services that empower our members and strengthen our community. We understand that banking is about more than just transactions; it's about building relationships. Our dedicated team works tirelessly to ensure that every member feels valued and supported. While members can visit us at 5790 Nys Route 86 Wilmington Ny 12997, official correspondence should be sent to 700 Bear Swamp Rd, Peru, NY 12972. This commitment to accessibility is reflected in our operating hours, which align with those of our other branches, ensuring that you can reach us when you need us most. We offer a full suite of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and even business banking solutions. Our mission goes beyond financial success; it's about creating lasting impacts within Wilmington and its surrounding areas. We are proud to be an active participant in local initiatives and community outreach programs. By partnering with various organizations, we aim to foster economic development and improve the quality of life for everyone in Essex County. In addition to traditional banking services, we've embraced digital advancements to make banking easier for our members. With features such as online banking and mobile payments available, we ensure that you can manage your finances conveniently from anywhere. Our ATM availability and drive-thru banking further enhance your experience with us. As we look to the future, Mountain Valley remains focused on continuing our legacy of service and support for all our members. Whether you're looking to open an account or explore loan options, we invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about its members and community. For more information or to become a member today, give us a call at (518) 418-2050, or visit us online at Mountain Valley. Your financial journey starts here!

Branch Location & Accessibility

Accessibility and Features

At our Wilmington branch, we prioritize accessibility for all our members. The location is fully compliant with ADA standards, featuring ramps and designated parking spaces to ensure everyone can access our services comfortably. Plus, we offer a drive-thru service for added convenience perfect for those quick transactions without leaving your car!

Come Visit Us!

We invite you to stop by the Mountain Valley branch in Wilmington today! Experience the personalized service and community focus that sets us apart. Your financial journey matters to us, and we're here to help every step of the way. See you soon!

Operating Hours

We understand that life gets busy, which is why we operate during hours that fit your schedule. Our operating hours are the same as other branches, allowing you flexibility when planning your visit. If you ever need assistance outside of regular business hours, don't hesitate to reach out via phone at (518) 418-2050.

Services Offered

Our branch provides a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. You can also take advantage of our ATM availability for quick cash withdrawals and balance checks anytime. While members can visit us at 5790 Nys Route 86 Wilmington Ny 12997, official correspondence should be sent to 700 Bear Swamp Rd, Peru, NY 12972 if you need to mail anything.

Member Eligibility

Becoming a member of Mountain Valley is like joining a family that truly cares about your financial well-being. Located at 5790 Nys Route 86 Wilmington Ny 12997, we welcome anyone who lives, works, worships, or attends school in our community. This means that if you share a connection with our vibrant area, you're already on your way to enjoying the many benefits we offer. Membership comes with perks such as competitive loan rates and personalized service tailored just for you. It's easy to get started! If you're ready to open an account or want more information about eligibility, feel free to give us a call at (518) 418-2050 or visit our detailed membership criteria page at https://mountainvalleyfcu.com/membership/ . We're excited to help you take this important step toward financial empowerment!

Business Banking & Commercial Services

Commercial Loan Options

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

But it doesn't stop at loans. Our merchant services are designed to simplify payments for your customers, making transactions easy and efficient. Picture a local café using our services to accept credit cards, enhancing customer satisfaction while boosting sales. With a focus on understanding your needs, Mountain Valley is here to empower your business every step of the way. Whether you're located at 5790 Nys Route 86 Wilmington Ny 12997 in Wilmington, NY, or beyond, we invite you to explore how our business banking solutions can help you achieve your goals.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? Our ATMs provide essential withdrawal services along with balance checks at your convenience. We also offer basic drive-thru banking for deposits and simple transactions perfect for those on-the-go moments! At Mountain Valley in Wilmington, NY, we pride ourselves on being more than just a financial institution; we are part of your journey toward achieving financial well-being. If you have any questions or would like more information about how we can assist you further, don't hesitate to reach out! Give us a call at 518-418-2050 or visit us online at Mountain Valley FCU. Join us today and experience how easy banking should be!

Auto Loans & Vehicle Financing

If you're looking to buy a car, our Auto Loans & Vehicle Financing options make it easier than ever. With competitive rates and flexible terms, getting behind the wheel of your dream car is just a few steps away. Picture driving off in your new vehicle without breaking the bank this is what we strive for at Mountain Valley.

Business Banking

Running a business comes with its own set of challenges, which is why we offer Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our resources are designed to help local businesses thrive.

Credit Cards with Rewards

For those who love earning benefits while spending, our Credit Cards with Rewards are perfect for you. From cash back on everyday purchases to travel rewards, using our credit card can enhance your buying experience while adding value back into your budget.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and our Mortgage Loans & Refinancing services are here to support you through every step. Whether you're buying your first home or refinancing an existing mortgage for better rates, we're committed to making the process smooth and straightforward.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. With features like mobile payments and easy access to transaction history, staying on top of your finances has never been easier.

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer Personal Banking services that include checking and savings accounts designed to help you save and grow your money efficiently. Imagine having an account that not only keeps your funds secure but also earns you interest over time this is what we aim to provide.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation options provide financial relief when you need it most. Imagine consolidating multiple debts into one manageable payment our team will work with you to find the best solution tailored to your situation.

Digital & Online Banking

Enhanced Features

If you enjoy the convenience of modern payment methods, you'll love our mobile payments feature that allows you to make transactions quickly and securely. While person-to-person transfers are not currently available, our other features ensure that managing your money is simple and effective. At Mountain Valley, we believe in making banking as hassle-free as possible. Our commitment to security means that all your transactions are protected, giving you peace of mind as you navigate your financial journey. Whether you're accessing your accounts through our website or mobile app, rest assured that you're in safe hands. Experience the ease and efficiency of digital banking with us today! Visit https://mountainvalleyfcu.com/ to explore all the ways we can help simplify your financial life.

Key Services

With our online banking services available 24/7 at https://mountainvalleyfcu.com/ , you can check your account balances, transfer funds, and pay bills with just a few clicks. Our mobile application further enhances this experience, allowing you to manage your accounts directly from your smartphone. You'll never have to worry about missing a payment again! For those who prefer going paperless, we provide e-statements so you can receive your account statements electronically. This not only helps you stay organized but also contributes to a more sustainable environment. Plus, with secure electronic signature authorization, signing documents has never been easier or safer.

Financial Strength

Commitment to Innovation

With $4,176,227 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 $413 in used auto loans and $40,536,649 in total loans and leases.

Member Trust

Total Share Accounts: 7,842, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,392,377 indicates that we have the resources needed to help you achieve your financial aspirations. 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 5790 Nys Route 86 Wilmington Ny 12997 or call (518) 418-2050 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.

Reliable Operations

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' 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.

Solid 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. This financial strength allows us to be there for you when you need us most.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $6,269,643 in used vehicle loans and $2,154,097 in new vehicle loans, helping our members get on the road with confidence. Whether you're looking for a reliable used car or a brand-new model, we've got you covered.

Commercial Loans

For business owners, our outstanding commercial loans totaling $1,593,960 provide essential capital needed to grow and expand your business. Our team understands the challenges you face and is ready to help you navigate the lending process.

Credit Lines and Unsecured Loans

For those looking for flexibility in managing finances, we also offer credit lines totaling $1,500,000. Additionally, while we currently don't have any unsecured credit card loans available, rest assured that our offerings are designed to help you manage your expenses effectively when they do become available.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,725,967. We make buying or refinancing simple and straightforward. Our dedicated team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans or looking for eligibility options, our team can assist you in finding the best solutions tailored to your financial situation. At Mountain Valley in Wilmington, NY (5790 Nys Route 86), we're committed to providing personalized service and quality financial products. If you're interested in exploring any of our loan offerings or want to learn more about eligibility requirements, feel free to give us a call at 518-418-2050 or visit our website at Mountain Valley. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to providing verified data. All loan offers are sourced from reputable financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This means users can trust that the results they see are unbiased. LendMesh also offers real-time rate comparisons, giving users access to up-to-date loan rates from multiple institutions. This helps individuals find the best possible deals available at any given moment. 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!"

Ensuring Accurate 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 ensures that all offers presented are fair and transparent. By working only with legitimate financial institutions, LendMesh guarantees that users receive verified data, allowing them to make informed choices without confusion.

Take Action Today

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 FEDERAL CREDIT UNION - Wilmington, NY