When it comes to setting aside funds for life’s bigger moments (think moving to a new town or a down payment), it’s all about letting your savings earn you more. With two high-earning options to choose from, when those bigger moments come, you’ll be ready.
Planning for the big moments ahead. Your money works magic when it earns compounding dividends. With a Cross Valley Money Market Account, you can save more while preserving access to your funds for whatever arises. And if you want access to special tiered rates, our Premium Money Market Accounts will give you even more opportunity to earn big dividends.
If you’d rather open a Money Market Account over the phone, give us a call at (570) 823-6836 and we’ll open an account with you.
Your money is the market. “Money Market accounts—they’re like the superhero of savings. Flexible, higher interest and you can still grab your cash when needed. It’s your money, but with a little extra swagger and a side of growth. Nice, right?”
Sure, there are many ways to earn a decent yield on your money these days, but none give you the guarantee of a Share Certificate (known as CD’s in the banking world). While high-yield savings accounts can reduce their rates overnight, a Share Certificate from Cross Valley locks your rate in and guarantees you that high return.
Give us a call to open yours today.
| Certificate Term | APY¹ |
|---|---|
| 6-Month Certificate | 4.00% |
| 9-Month Certificate | 4.00% |
| 12-Month Certificate | 3.85% |
| 18-Month Certificate | 3.75% |
Guaranteed returns on your money. No need to watch the market or hunt for great rates. It’s all right here at Cross Valley FCU.
4.00% APY¹
3.85% APY¹
Visit a branch or give us a call to open yours.
High-yield savings designed for seasonal workers
Earn more while you’re off the clock. With an incredible 4.00% APY² and 6- or 9-month terms available, the Seasonal Savings Certificate helps seasonal employees like teachers, warehouse and construction workers grow savings quickly and securely. Best of all, you can add funds to it at any time for even more growth!
Together, we’ll help maximize your income, build your savings, and prepare for your next season with confidence.
Save smart between seasons. 4.00% APY²
4.00% APY²
The Seasonal Share Certificate was created by listening to our members and their desire to continually strengthen their savings. By providing a Share Certificate with the option to add funds during the term, our members are able to grow their savings even faster!
—Traci Donahue, Cross Valley CEO
APY = Annual Percentage Yield. The APY is current as of November 03, 2025. For full details, please review our Truth-in-Share Certificates Disclosure or contact the credit union (570-823-6836). Rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal applies. Member eligibility is required.
Annual Percentage Yield. Seasonal Savings Certificate is available to all Cross Valley Federal Credit Union members. Rate is accurate as of October 1, 2025. For full details, please review our Truth-in-Share Certificates Disclosure or contact the credit union (570-823-6836). Rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal applies.
