Disclosures - Cross Valley Federal Credit Union

Main Office parking lot and drive-thru construction continues over the next week. Please follow posted parking signs. The Main Office will be closed to members and traffic Oct. 6–7.

SCAM ALERT: Beware of fake calls and texts that appear to come from Cross Valley FCU. We will never ask for your full account number, card number, or online banking credentials.

Checking Accounts

Seize your day Take control of your finances with a Cross Valley Checking account.

Auto Loans & Refinancing

Rates as low as 4.79% APR*

* APR=Annual Percentage Rate. APRs are as low as the rates advertised above. Rates are for qualified borrowers who meet certain credit criteria. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Contact the credit union for full loan details.

Share Certificates

Earn an amazing 3.50 APY*

* APY = Annual Percentage Yield. For full details, please review our Truth-in-Share Certificates Disclosure or contact the credit union (570-823-6836). Rates are for new money only. All certificates are subject to change without notice. Members are encouraged to call for current rates. Penalty for early withdrawal applies.

Benefits

Small Business Lending Need funds for your new venture? We make it our business to know your business, so we can help your business grow.

Look at lending options

Becoming a member

It's time to take a trip. Your destination: Opportunity.

Welcome to Opportunity

Account Agreements & Disclosures

All the print that’s fine.

They’re not the most page-turning read, but they’re important, useful and required. If you’re looking for the fine print on any of our products and services, this is where you’ll find it.

If there’s ever something you’re looking for that you can’t find, you can always give us a call at (570) 823-6836 or send us a message.

Privacy and Cookie Policy

Last updated May 27, 2022

This Cookie Policy explains how Cross Valley Federal Credit Union ("Company", "we", "us", and "our") uses cookies and similar technologies to recognize you when you visit our website at crossvalleyfcu.org ("Website"). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information.

What are cookies?

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information.

Cookies set by the website owner (in this case, Cross Valley Federal Credit Union) are called "first party cookies". Cookies set by parties other than the website owner are called "third party cookies". Third party cookies enable third party features or functionality to be provided on or through the website (e.g. like advertising, interactive content and analytics). The parties that set these third party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.

Why do we use cookies?

We use first and third party cookies for several reasons. Some cookies are required for technical reasons in order for our Website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Website for advertising, analytics and other purposes. This is described in more detail below.

The specific types of first and third party cookies served through our Website and the purposes they perform are described below (please note that the specific cookies served may vary depending on the specific Online Property you visit):

How can I control cookies?

You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the customize panel. The customize panel allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services.

The customize panel can be found in the notification banner. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies. As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser's help menu for more information.

In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit http://www.aboutads.info/choices/ or http://www.youronlinechoices.com.

Analytics and customization cookies

These cookies collect information that is used either in aggregate form to help us understand how our Website are being used or how effective our marketing campaigns are, or to help us customize our Website for you.

What about other tracking technologies, like web beacons?

Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our Website or opened an e-mail including them. This allows us, for example, to monitor the traffic patterns of users from one page within a website to another, to deliver or communicate with cookies, to understand whether you have come to the website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of e-mail marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning.

Do you serve targeted advertising?

Third parties may serve cookies on your computer or mobile device to serve advertising through our Website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. This can be accomplished by them using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details or other details that directly identify you unless you choose to provide these.

How often will you update this Cookie Policy?

We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.

The date at the top of this Cookie Policy indicates when it was last updated.

Future Savings Calculator

Initial Deposit Amount

$

Term of Deposit

Annual Dividend Rate

%

Additional Deposits

$

Total Deposits:

$

Total Dividends:

$

Future Savings Value:

$

The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.