With Cross Valley Edge, you can earn a 1.00% APR** loan discount just for banking with us.
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From Home Equity Loans to HELOCs, Cross Valley has flexible and affordable options designed to help open your door to Opportunity.
Flexible terms, low rates and local expertise make upgrading or refinancing your ride a breeze. Let’s move your dreams into drive.
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.
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.
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.
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.
Receiving this year's CrossState Financial Literacy Award goes to show that our Ranger CU student members know what makes cents.
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.
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.
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.
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…
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.
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.
When your employees benefit, your business benefits—and that’s exactly what our EPIC business relationship program aims to do.
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.
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.
We’re a member-owned, not-for-profit financial home for you, your family, and your dreams that puts people over profits.
We’re strong believers that education should never stop, which is why our scholarship program stands behind you and your continued education journey.
| Day | Time |
|---|---|
| Mon | 8:30 AM - 4:30 PM |
| Tue | 8:30 AM - 4:30 PM |
| Wed | 9:30 AM - 4:30 PM |
| Thu | 8:30 AM - 4:30 PM |
| Fri | 8:30 AM - 5:30 PM |
| Sat | 9:00 AM - 12:00 PM |
| Sun | Closed |
(Accessible 24/7)| Day | Time |
|---|---|
| Mon | 8:30 AM - 4:30 PM |
| Tue | 8:30 AM - 4:30 PM |
| Wed | 9:30 AM - 4:30 PM |
| Thu | 8:30 AM - 4:30 PM |
| Fri | 8:30 AM - 5:30 PM |
| Sat | 9:00 AM - 12:00 PM |
| Sun | Closed |
(Accessible 24/7)| Day | Time |
|---|---|
| Mon | 8:30 AM - 4:30 PM |
| Tue | 8:30 AM - 4:30 PM |
| Wed | 9:30 AM - 4:30 PM |
| Thu | 8:30 AM - 4:30 PM |
| Fri | 8:30 AM - 5:30 PM |
| Sat | 9:00 AM - 12:00 PM |
| Sun | Closed |
(Accessible 24/7)| Day | Time |
|---|---|
| Mon | 8:30 AM - 4:30 PM |
| Tue | 8:30 AM - 4:30 PM |
| Wed | 9:30 AM - 4:30 PM |
| Thu | 8:30 AM - 4:30 PM |
| Fri | 8:30 AM - 5:30 PM |
| Sat | Closed |
| Sun | Closed |
(Accessible 24/7)| Day | Time |
|---|---|
| Mon | 8:30 AM - 4:30 PM |
| Tue | 8:30 AM - 4:30 PM |
| Wed | 9:30 AM - 4:30 PM |
| Thu | 8:30 AM - 4:30 PM |
| Fri | 8:30 AM - 5:30 PM |
| Sat | 9:00 AM - 12:00 PM |
| Sun | Closed |
(Accessible 24/7) (Accessible 24/7)| Day | Time |
|---|---|
| Mon | Closed |
| Tue | Closed |
| Wed | 2:00 PM - 7:00 PM |
| Thu | 10:00 AM - 7:00 PM |
| Fri | 10:00 AM - 7:00 PM |
| Sat | 9:00 AM - 12:00 PM |
| Sun | Closed |
(Accessible 24/7)
640 Baltimore Dr.
Wilkes Barre, PA 18702
| Day | Time |
|---|
Options
40 Spring St.
Wilkes Barre, PA 18702
| Day | Time |
|---|---|
| Mon | 8:30 AM – 5:30 PM |
| Tue | 8:30 AM – 7:00 PM |
| Wed | 9:30 AM – 7:00 PM |
| Thu | 8:30 AM – 7:00 PM |
| Fri | 8:30 AM – 7:00 PM |
| Sat | 9:00 AM – 12:00 PM |
Options
1181 Wyoming Avenue
Forty Fort, PA 18704
| Day | Time |
|---|
Options
113 South Main Rd
Mountain Top PA 18707
| Day | Time |
|---|
Options
1926 Memorial Hwy
Shavertown, PA 18708
| Day | Time |
|---|---|
| Mon | 8:30 AM – 4:30 PM |
| Tue | 8:30 AM – 4:30 PM |
| Wed | 9:30 AM – 4:30 PM |
| Thu | 8:30 AM – 4:30 PM |
| Fri | 8:30 AM – 5:30 PM |
| Sat | 9:00 AM – 12:00 PM |
Options Options
8075 Main St.
Mocanaqua, PA 18655
| Day | Time |
|---|---|
| Mon | 8:30 AM – 5:30 PM |
| Tue | 8:30 AM – 7:00 PM |
| Wed | 9:30 AM – 7:00 PM |
| Thu | 10:00 AM – 7:00 PM |
| Fri | 10:00 AM – 7:00 PM |
| Sat | 9:00 AM – 12:00 PM |
Options
700 Broad St.
Hazleton, PA 18201
Next to Chapel
| Day | Time |
|---|
Options
1125 North River St.
Plains, PA 18702
Accessible During Merchant Business Hours
3605 State Route 118
Dallas, PA 18612
Accessible during events
| Day | Time |
|---|
70 Ridgway Drive
Dallas PA 18612
Accessible during events
| Day | Time |
|---|
1150 E Mountain Blvd.
Wilkes Barre, PA 18702
Limited Access
| Day | Time |
|---|
106 Laurel Mall Dr
Hazleton PA
Northwest entrance of mall
| Day | Time |
|---|---|
| Mon | 8:30 AM – 5:30 PM |
| Tue | 8:30 AM – 7:00 PM |
| Wed | 9:30 AM – 7:00 PM |
| Thu | 8:30 AM – 7:00 PM |
| Fri | 8:30 AM – 7:00 PM |
| Sat | 9:00 AM – 12:00 PM |
Options
47 S Washington St.
Wilkes Barre, PA 18701
Accessible during merchant business hours
1325 N Main St
Taylor PA
West end of the Walmart parking lot
| Day | Time |
|---|---|
| Mon | 8:30 AM – 5:30 PM |
| Tue | 8:30 AM – 7:00 PM |
| Wed | 9:30 AM – 7:00 PM |
| Thu | 8:30 AM – 7:00 PM |
| Fri | 8:30 AM – 7:00 PM |
| Sat | 9:00 AM – 12:00 PM |
Options
521 Trailblazer Dr.
Nanticoke, PA 18634
Building 14
| Day | Time |
|---|
243 Thorne Hill Rd.
Shickshinny, PA 18655
Business Loading Platform
| Day | Time |
|---|
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 choose 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
No payments for the first 90 days means your first payment is due 90 days after your loan is funded. Interest starts accruing immediately. All loans subject to credit approval. Offer subject to change without notice. Credit union membership required.
1.00% loan discount available to qualifying members based on utilization of Cross Valley Federal Credit Union products and services. To qualify for the discount, a minimum of four accounts or activities must be met: (1) Have an existing Cross Valley loan or line of credit. This includes a loan refinance from another institution. (2) A minimum of 30 debit card transactions per quarter tied to a Share Draft Checking account. (3) An established direct deposit totaling more than $500.00 per month. (4) Enrolled in at least one auto pay. (5) At least one of the following: (a) Active Share Certificate. (b) Active Money Market Account. (c) Active Club Account (Vacation Club or Holiday Club). (6) eService use such as active Online Banking login, mobile app usage or enrollment in eStatements. Loan discount may not be combined with other loan discounts and applies to new, qualifying loans only. Partial discounts are not available. Rate discount not available for Cross Valley employees. Cross Valley may apply the rate discount once within six months of the loan closing date provided qualifying criteria is met. Offer subject to change without notice.
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 10.75% APR for 12 months. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Contact credit union for full loan details.
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 10.50% 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 11.50%, the monthly payment will be $18.78 per $1,000 borrowed.
