Loan Rates 


Cross Valley FCU has the loan you're looking for. Check out our competitive rates and flexible terms.

Vehicle Loans

EFFECTIVE JULY 5, 2019

Type Term APR*
New / Used Car, Truck, SUV Loan (2018 - 2020) 36 Months
48 Months
60 Months
72 Months
84 Months
Used Car, Truck, SUV Loans (2016 - 2017)*** 36 Months
48 Months
60 Months
72 Months
84 Months
Used Car, Truck, SUV Loans (2014 - 2015)*** 0 - 60 Months
Used Car, Truck, SUV Loans (2012- 2013)*** 0-36 Months
Older Direct Automobile Loans 12-60 Months
New / Used Motorcycle (2018 - 2020) 0-36 Months
37-60 Months
Used Motorcycle (2016 - 2017) 0-36 Months
37-60 Months
Used Motorcycle (2014 - 2015) 0-60 Months
Used Motorcycle (2012 - 2013) 0-36 Months
New / Used ATV, Jet Ski and Snowmobiles (2018 - 2020) 0-36 Months
37-60 Months
Used ATV, Jet Ski and Snowmobiles (2016 - 2017) 0-36 Months
37-60 Months
Used ATV, Jet Ski and Snowmobiles (2014 - 2015) 0-60 Months
Used ATV, Jet Ski and Snowmobiles (2010 - 2012) 0-36 Months
New Boat and Marine Recreational Vehicle 2018 - 2020 Up to 36 Months
37-72 Months
73-120 Months
121-180 Months
Used Boat and Marine Recreational Vehicle 2016 - 2017†† Up to 36 Months
37-72 Months
73-120 Months
121-180 Months
Used Boat and Marine Recreational Vehicle (2014 - 2015) Up to 60 Months
61-84 Months
Used Boat and Marine Recreational Vehicle (2012 - 2013) 0-60 Months
New RV (2018 - 2020) 0-36 Months
37-71 Months
72-119 Months
120-180 Months
Used RV (2016 - 2017) Up to 36 Months
37 to 71 Months
72 to 119 Months
120-180 Months
Used RV (2014 - 2015) Up to 60 Months
61-84 Months
Used RV (2012 - 2013) Up to 60 Months

Home Equity Loans

EFFECTIVE OCTOBER 3, 2018

Type Term APR*
Home Equity Fixed Rates**** 0-60 Months
61-120 Months
121-180 Months
Home Equity Line of Credit***** 0 to 15 Years

Personal Loans

EFFECTIVE JULY 5, 2019

Type Term APR*
Signature Unsecured**** 0 - 36 Months
37-48 Months
49-60 Months
Share-Secured Up to 180 Months
Certificate-Secured Refer to Policy Pricing


First Mortgages

Please call to speak to one of our qualified Mortgage officers at (570) 823-6836.

Credit Cards

Visit our Online Credit Card Center for current credit card rates.


*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 credit union for full loan details.

***Maximum mileage 90,000.

****Repayment in as many as 60 monthly payments of $18.41 per $1000.00 borrowed for the rates shown above for Auto Loans and repayment in as many as 36 monthly payments of 31.33 per $1000 borrowed on personal loans for rates shown above. Members may borrow up to 80% maximum loan to value (LTV) without first mortgage (with first mortgage 50%). The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Consult your tax advisor for tax-deductible eligibility. Contact credit union for full loan details. Notice to borrower: If you obtain this loan, Cross Valley Federal Credit Union, the lender, will have a mortgage on your home. You could lose your home and any money you put into it if you do not meet your obligations under the loan. NMLS#808487

*****Maximum draw: 60 month. Maximum payment term: 180 month. APR*= Annual Percentage Rate. Membership requirements apply. Rates shown are for qualified borrowers who meet certain credit criteria. Rates and terms subject to change without notice. Other rates and terms available. The rate will be the 6 Month Treasury Bill plus your margin to the nearest .25%. Lifetime maximum variable APR is 18%. The rate will depend on the borrower’s credit score, loan-to-value (LTV) ratio, property type, automatic payment, and other factors we may lawfully consider. NMLS#808487

†Share-Secured APR = 2.00% higher than the Share.

††Please contact the credit union for additional terms, years, and rates.