Cross Valley Federal Credit Union

Lending Rates

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

Looking for a Savings Account? View our rates.

Vehicle Loans

Effective September 14, 2017

Type Term APR*
New / Used Car, Truck, SUV Loan (2015, 2016, 2017 & 2018) 36 Months 2.09%
48 Months 2.29%
60 Months 2.39%
72 Months 3.23%
84 Months 4.19%
Used Car, Truck, SUV Loans (2013- 2014)** 36 Months 2.84%
48 Months 2.84%
60 Months 2.84%
72 Months 3.64%
84 Months 4.64%
Used Car, Truck, SUV Loans (2011 - 2012)** 0 - 60 Months 5.19%
Used Car, Truck, SUV Loans (2008- 2010)** 0-36 Months 6.19%
New / Used Motorcycle (2015 - 2018) 0-36 Months 2.35%
37-60 Months 2.60%
Used Motorcycle (2013 - 2014) 0-36 Months 2.45%
37-60 Months 2.65%
Used Motorcycle (2011 - 2012) 0-60 Months 5.99%
Used Motorcycle (2008 - 2010) 0-36 Months 6.99%
New / Used ATV, Jet Ski and Snowmobiles (2015, 2016, 2017 & 2018) 0-36 Months 2.60%
37-60 Months 2.85%
Used ATV, Jet Ski and Snowmobiles (2013 - 2014) 0-36 Months 2.70%
37-60 Months 2.95%
Used ATV, Jet Ski and Snowmobiles (2011 - 2012) 0-60 Months 6.49%
Used ATV, Jet Ski and Snowmobiles (2009 - 2010) 0-36 Months 7.49%
New Boat and Marine Recreational Vehicle 2015-2018 Up to 36 Months 5.25%
37-72 Months 5.25%
73-120 Months 6.00%
121-180 Months 7.00%
Used Boat and Marine Recreational Vehicle 2013-2014††† Up to 36 Months 5.50%
37-72 Months 5.50%
73-120 Months 6.50%
121-180 Months 7.50%
Used Boat and Marine Recreational Vehicle (2011-2012) Up to 60 Months 6.00%
61-84 Months 6.50%
Used Boat and Marine Recreational Vehicle (2009-2010) 0-60 Months 6.50%
New RV (2015-2018) 0-36 Months 2.74%
37-71 Months 3.24%
72-119 Months 5.24%
120-180 Months 6.74%
Used RV (2013-2014) Up to 36 Months 3.24%
37 to 71 Months 3.74%
72 to 119 Months 5.74%
120-180 Months 7.24%
Used RV (2011-2012) Up to 60 Months 4.24%
61-84 Months 6.24%
Used RV (2009-2010) Up to 60 Months 4.74%

Home Equity Loans

Effective August 1, 2016

Type Term APR*
Home Equity Fixed Rates*** 0-60 Months 3.29%
61-120 Months 3.29%
121-180 Months 4.05%
Home Equity Line of Credit**** 0 to 15 Years 4.75%

Personal Loans

Effective August 1, 2016

Type Term APR*
Signature Unsecured*** 0 - 36 Months 7.99%
37-48 Months 8.49%
49-60 Months 8.99%
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 $17.97 per $1000 borrowed for the rates shown above. Members may borrow up to 70% 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.
†Share-Secured APR = 2.00% higher than the Share.
††Maximum limit $2000.00. Minimum advance will be $50.00 and will advance in increments of $50.00 thereafter. Contact credit union for full loan details.
†††Please contact the credit union for additional terms, years, and rates.

Refinance your Auto Loan

Transfer your loan to Cross Valley FCU to lower your rate!

Learn More
%Today’s Rates
as low as
Auto Loans 2.09% APR
Home Equity 3.29% APR
View All Rates Rates subject to change.