FULL JUMBO (1800) XXXL (1620) XXL (1496) XL (1280) LG (960) MD (840) SM (600) XS (480)

Get to know CEO Traci Donahue

Cross Valley CEO Traci Donahue shares her journey from a near-fatal accident to leading a credit union, and lots more...

Welcome to lower rates. better banking. local lending. community. Opportunity.

Home Lending

Home lending solutions designed for everyone.

From Home Equity Loans to HELOCs, Cross Valley has flexible and affordable options designed to help open your door to Opportunity.

Open the door

Auto Loans

Driving with Cross Valley is a breeze.

Flexible terms, low rates and local expertise make upgrading or refinancing your ride a breeze. Let’s move your dreams into drive.

Get on the road

Personal Loans

Give your debt a reset.

Consolidate your high-rate credit card debt into a single monthly payment with rates as low as 7.50% APR¹ and terms up to 72 months².

Consolidate and save

Student Loans

It’s your time to dream big.

Whether you’re just out of high school or choosing a new path in life, Opportunity is waiting for you in the classroom and beyond.

Dream big

Credit Cards

Opens doors, earns rewards.

Our credit cards³ empower you to confidently check off bucket list dreams, pay for that new laundry tower or do a date night right! With premium benefits, rewards and competitive rates, we create experiences—versus transactions.

Learn more

Mortgages

Your dream home with customized lending.

With competitive rates and clear guidance, our mortgage team creates Opportunity for you every step of the way—whether you’re purchasing your first home, next home, vacation home or retirement home.

Here’s your next home loan

Financial Literacy

2024 CrossState Award Winners

Receiving this year's CrossState Financial Literacy Award goes to show that our Ranger CU student members know what makes cents.

Discover Ranger CU

Mocanaqua

A new chapter.

Our new and unique Mocanaqua branch officially opened on Thursday, July 13th with a ribbon-cutting ceremony cohosted by the Wyoming Valley Chamber of Commerce.

Visit a branch

Community Care

Overcoming need with Opportunity

We invest a great deal of time and effort into helping our members reach their financial goals, and this philosophy spills over into our community, too.

Continue reading

Fraud Watch

Used vehicle washout.

During the pandemic, supply chain issues limited the number of new cars that were being manufactured, so used vehicles became highly desired. While some of those issues linger, new vehicles are more readily available but are coming with increasingly higher price tags.

Continue reading

Good Financial Health

Take aim at your goals.

During this journey we call life, you’ll find yourself tasked with saving for a variety of different things. Some of your goals may be short-term, some may be long…

Continue reading

Merchant Lending Pro

Giving your customers a better way to buy.

Merchant Lending Pro boosts your customers’ purchasing power by offering them a Personal Loan at a lower interest rate than most credit cards. On top of that, you earn 1% of every loan closed through Cross Valley FCU.

Learn more

Business Spotlight

We love Luzerne County Community College

Once upon a time, credit unions were specifically associated with a single workplace or organization. It was an opportunity for these members to pull their resources together to help each other financially.

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Relationships

Interested in holding onto your employees longer?

When your employees benefit, your business benefits—and that’s exactly what our EPIC business relationship program aims to do.

Learn more

Our mission is to create and provide Opportunity for our members by making financial solutions accessible, equitable and achievable.

Welcome to Opportunity
About us

To understand Cross Valley, just start with our mission.

Because creating and providing Opportunity for our over 19,000 members day in and day out is the reason we exist. And we love doing it.

Discover Cross Valley

Careers

Joining our team means strengthening yours.

Being a Cross Valley team member means becoming part of something bigger: inspiring positive change and creating Opportunity for those in your community. For you, it’s an Opportunity to be your personal best.

Explore Opportunities

Membership

This isn’t some elite club. Not even close.

We’re a member-owned, not-for-profit financial home for you, your family, and your dreams that puts people over profits.

Learn more Join now

Scholarships

Your future sure does look bright.

We’re strong believers that education should never stop, which is why our scholarship program stands behind you and your continued education journey.

Learn more

Six branch locations in the Wyoming Valley ready to serve you and your dreams.

Drag and scroll map
Branches
Branch ATMs/QUBEs
Remote QUBEs/ATMs
Wilkes-Barre Branch (Main Office)

640 Baltimore Drive
Wilkes-Barre, PA 18702
(570) 823-6836

Schedule Appointment

Directions

Day Time
Mon 8:30 AM - 4:30 PM
Tues 8:30 AM - 4:30 PM
Wed 9:30 AM - 4:30 PM
Thur 8:30 AM - 4:30 PM
Fri 8:30 AM - 5:30 PM
Sat 9:00 AM - 12:00 PM
Sun Closed
Branch Features
  • Full-Service Branch
  • Loan Office
  • Drive Thru Teller
  • Night Drop – Checked once every business day
  • Drive Thru QUBE (Accessible 24/7)
  • Vestibule ATM (Accessible 24/7)
  • Signature Medallion Service
  • Notary Service
Spring St Branch

40 Spring St.
Wilkes-Barre, PA 18702
(570) 823-6836

Schedule Appointment

Directions

Day Time
Mon 8:30 AM - 4:30 PM
Tues 8:30 AM - 4:30 PM
Wed 9:30 AM - 4:30 PM
Thur 8:30 AM - 4:30 PM
Fri 8:30 AM - 5:30 PM
Sat 9:00 AM - 12:00 PM
Sun Closed
Branch Features
  • Full-Service Branch
  • Loan Office
  • Drive Thru Teller
  • Night Drop – Checked once every business day
  • Drive Thru ATM (Accessible 24/7)
  • Vestibule QUBE+ (Accessible 24/7)
  • Notary Service
Forty Fort Branch

1181 Wyoming Ave.
Forty Fort, PA 18704
570-823-6836

Schedule Appointment

Directions

Day Time
Mon 8:30 AM - 4:30 PM
Tues 8:30 AM - 4:30 PM
Wed 9:30 AM - 4:30 PM
Thur 8:30 AM - 4:30 PM
Fri 8:30 AM - 5:30 PM
Sat 9:00 AM - 12:00 PM
Sun Closed
Branch Features
  • Full-Service Branch
  • Loan Office
  • Drive Thru Teller
  • Night Drop – Checked once every business day
  • Drive Thru QUBE (Accessible 24/7)
  • Vestibule ATM (Accessible 24/7)
  • Notary Service
Mountain Top Branch

113 South Main Road
Mountain Top, PA 18707
570-823-6836

Schedule Appointment

Directions

Day Time
Mon 8:30 AM - 4:30 PM
Tues 8:30 AM - 4:30 PM
Wed 9:30 AM - 4:30 PM
Thur 8:30 AM - 4:30 PM
Fri 8:30 AM - 5:30 PM
Sat Closed
Sun Closed
Branch Features
  • Full-Service Branch
  • Loan Office
  • Drive Thru Teller
  • Night Drop – Checked once every business day
  • Vestibule QUBE+ (Accessible 24/7)
  • Vestibule ATM (Accessible 24/7)
  • Notary Service
Shavertown Branch

1926 Memorial Highway
Shavertown, PA 18708
570-823-6836

Schedule Appointment

Directions

Day Time
Mon 8:30 AM - 4:30 PM
Tues 8:30 AM - 4:30 PM
Wed 9:30 AM - 4:30 PM
Thur 8:30 AM - 4:30 PM
Fri 8:30 AM - 5:30 PM
Sat Closed
Sun Closed
Branch Features
  • Full-Service Branch
  • Loan Office
  • Drive Thru Teller
  • Night Drop – Checked once every business day
  • Drive Thru QUBE (Accessible 24/7)
  • Walk-Up QUBE (Accessible 24/7)
Mocanaqua Branch

8075 Main St.
Mocanaqua, PA 18655
570-823-6836

Schedule Appointment

Directions

Day Time
Mon Closed
Tues Closed
Wed 2:00 PM - 7:00 PM
Thur 10:30 AM - 7:00 PM
Fri 10:30 AM - 7:00 PM
Sat 9:00 AM - 12:00 PM
Sun Closed
Branch Features
  • Full-Service Branch
  • Loan Office
  • Drive Thru Teller
  • Night Drop – Checked once every business day
  • Safe Deposit Boxes
  • Drive Thru QUBE+ (Accessible 24/7)
  • Vestibule ATM (Accessible 24/7)
  • Notary Service
Main Branch (2 Machines)

640 Baltimore Dr.
Wilkes Barre, PA 18702

Directions

Day Time
Drive Thru QUBE Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
Vestibule ATM Options
  • Accessible 24/7
  • Cash Deposits & Withdrawals
  • Balance Inquiry
  • Check Deposits
  • Transfer Funds
Spring St. Branch (2 Machines)

40 Spring St.
Wilkes Barre, PA 18702

Directions

Day Time
Mon 8:30 AM – 5:30 PM
Tues 8:30 AM – 7:00 PM
Wed 9:30 AM – 7:00 PM
Thur 8:30 AM – 7:00 PM
Fri 8:30 AM – 7:00 PM
Sat 9:00 AM – 12:00 PM
Vestibule QUBE+ Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
  • Teller Assistance during business hours
Drive Thru ATM Options
  • Accessible 24/7
  • Cash Deposits & Withdrawals
  • Balance Inquiry
  • Check Deposits
  • Transfer Funds
Forty Fort Branch ( 2 Machines)

1181 Wyoming Avenue
Forty Fort, PA 18704

Directions

Day Time
Drive Thru QUBE Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
Vestibule ATM Options
  • Accessible 24/7
  • Cash Deposits & Withdrawals
  • Balance Inquiry
  • Transfer Funds
Mountain Top Branch (2 Machines)

113 South Main Rd
Mountain Top PA 18707

Directions

Day Time
Vestibule QUBE+ Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
  • Teller Assistance – During Business Hours
Vestibule ATM Options
  • Accessible 24/7
  • Cash Withdrawals
  • Balance Inquiry
  • Transfer Funds
Shavertown Branch (2 Machines)

1926 Memorial Hwy
Shavertown, PA 18708

Directions

Day Time
Walk-Up QUBE Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
Drive Thru QUBE Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
Mocanaqua Branch (2 Machines)

8075 Main St.
Mocanaqua, PA 18655

Directions

Day Time
Mon 8:30 AM – 5:30 PM
Tues 8:30 AM – 7:00 PM
Wed 9:30 AM – 7:00 PM
Thur 8:30 AM – 7:00 PM
Fri 8:30 AM – 7:00 PM
Sat 9:00 AM – 12:00 PM
Drive Thru QUBE+ Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
  • Teller Assistance – During Business Hours
Vestibule ATM Options
  • Accessible 24/7
  • Cash Withdrawals
  • Balance Inquiry
  • Transfer Funds
Boscov’s

15 S Main St.
Wilkes Barre, PA 18702

Lower Level of Building

Directions

Day Time
ATM Options
  • Cash Withdrawals
  • Transfer Funds
  • Balance Inquiry
Health & Wellness Center - Hazleton

51 Moisley Dr.
Hazleton, PA 18202

Lower Level of Building

Directions

Day Time
QUBE Options
  • Cash Withdrawals
  • Transfer Funds
  • Balance Inquiry
Lehigh Valley Hopistal - Hazleton

700 Broad St.
Hazleton, PA 18201

Next to Chapel

Directions

Day Time
QUBE Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
O'Malia’s Greenhouse

1125 North River St.
Plains, PA 18702

Accessible During Merchant Business Hours

Directions

ATM Options
  • Cash Withdrawal
  • Transfer Funds
  • Balance Inquiry
Luzerne County Fair Grounds

3605 State Route 118
Dallas, PA 18612

Accessible during events

Directions

Day Time
ATM Options
  • Cash Withdrawal
  • Transfer Funds
  • Balance Inquiry
Irem Pavilion

70 Ridgway Drive
Dallas PA 18612

Accessible during events

Directions

Day Time
ATM Options
  • Cash Withdrawal
  • Transfer Funds
  • Balance Inquiry
Social Security Administration

1150 E Mountain Blvd.
Wilkes Barre, PA 18702

Limited Access

Directions

Day Time
ATM Options
  • Cash Deposit & Withdrawal
  • Check Deposits
  • Transfer Funds
  • Balance Inquiry
Laurel Mall

106 Laurel Mall Dr
Hazleton PA

Northwest entrance of mall

Directions

Day Time
Mon 8:30 AM – 5:30 PM
Tues 8:30 AM – 7:00 PM
Wed 9:30 AM – 7:00 PM
Thur 8:30 AM – 7:00 PM
Fri 8:30 AM – 7:00 PM
Sat 9:00 AM – 12:00 PM
QUBE+ Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
  • Teller Assistance during business hours*
Martz Bus

47 S Washington St.
Wilkes Barre, PA 18701

Accessible during merchant business hours

Directions

ATM Options
  • Cash Withdrawal
  • Transfer Funds
  • Balance Inquiry
Taylor Walmart

1325 N Main St
Taylor PA

West end of the Walmart parking lot

Directions

Day Time
Mon 8:30 AM – 5:30 PM
Tues 8:30 AM – 7:00 PM
Wed 9:30 AM – 7:00 PM
Thur 8:30 AM – 7:00 PM
Fri 8:30 AM – 7:00 PM
Sat 9:00 AM – 12:00 PM
QUBE+ Options
  • 24/7 Self Service
  • Full Account Access
  • Balance Inquiry
  • Transfer Funds
  • Cash Deposits & Withdrawals
  • Check Deposits
  • Loan Payments
  • Mini Statements
  • Teller Assistance during business hours*
Luzerne County Community College

521 Trailblazer Dr.
Nanticoke, PA 18634

Building 14

Directions

Day Time
ATM Options
  • Cash Deposit & Withdrawal
  • Check Deposit
  • Transfer Funds
  • Balance Inquiry
Northwest Area Middle/High School

243 Thorne Hill Rd.
Shickshinny, PA 18655

Business Loading Platform

Directions

Day Time
ATM Options
  • Cash Withdrawal
  • Transfer Funds
  • Balance Inquiry
Drag and scroll map

What our members are saying.

We have worked with this bank (the same wonderful woman) for years. She has helped us refinance our home loan twice, has given us helpful information and was completely professional while still being friendly.

Brandi Brace

Google Reviews

I have been with Cross Valley FCU since 1995. I had another bank for a very brief time before joining Cross Valley. I would never chose any other institution! Banking. Loans. Always the Best service. I honestly do not know why anyone would go anywhere else!

Karen I. .M.

Google Reviews

This location is awesome the staff are super friendly! Terri with the loan department is great. Awesome experience and with multiple locations throughout the county this credit union is unbeatable.

Daniel

Google Reviews

*

Restrictions and qualifications apply. Ability to borrow up to 133% loan-to-value (LTV) applies to Home Equity Loans and is specific to home improvements determined by the loan underwriter. This offer is subject to change without notice. Credit union membership required.

¹

APR = Annual Percentage Rate. APRs are as low as the rates advertised above and include a 0.25% APR discount for automatic withdrawal of loan payment each month. Rates are for qualified borrowers who meet certain credit criteria. Payment example: $87.16 for $1,000 borrowed at 7.50% APR for 12 months. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Contact the credit union for full loan details.

²

Maximum loan amount is $25,000. For loan amounts over $15,000, the maximum term is 72 months, and the rate is as low as 13.75% Annual Percentage Rate (APR). Your actual rate will vary depending upon your credit worthiness. Other rates and terms are available. Offer is subject to change without notice. Payment example: for a 72-month term at 13.75%, the monthly payment will be $20.59 per $1,000 borrowed.

³

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.