Cross Valley Federal Credit Union

News & Promotions

We value our members and are committed to your financial well being, so count on us to keep you informed on the latest Cross Valley FCU news, information, announcements and specials.

Be sure to check back with us, as the following information is updated regularly!

Courtesy Pay is a safety net to protect against life's everyday unexpected occurrences and emergencies.

It provides you with the secuity and peice of mind of knowing your transaction will be processed, not returned for insufficient funds, and it prvents you from being charged any additional fees by a merchant.

Simply click here to use our Courtesy Pay Faqs.

Go ahead, click the tires

Shopping for a car should be simple. And with Cross Valley FCU’s online car-buying resource center, we make finding your next vehicle as easy and fast as possible. Research and compare thousands of new, used and certified pre-owned cars from multiple dealers.

Find the perfect match

Whether you’re a family of five or buying for the first time, our auto-shopping website has everything you need. Customize your search and find your ideal car, SUV, RV or motorcycle. Can’t make up your mind? Virtually assemble your ideal car, and we’ll compare it to available inventory.

Browse dealers’ inventories online

Our online resource lets you instantly connect to a large selection of inventory. Just use your computer or device to find your next ride any time, anywhere. It’s car-shopping on your terms.

Get an estimate on your trade-in

If you’re looking for ways to save on your new vehicle, check the trade-in value of your current car on our website. You’ll know how much your car is worth before you ever meet the dealer.

Apply for a credit union loan

Once you’ve done the research and found your perfect car, make sure you get pre-approved for an auto loan from Cross Valley FCU. Save on the cost of your vehicle, and get affordable monthly payments with our exclusive, low rates. Apply in person or online before you start shopping. Visit our online resource center today.

SHERPA Identity Protection is Your Trusted Guide for Personal Data Security.

Your personal information is collected and shared everywhere when you go online, use a debit card, or text a friend. It’s becoming more and more difficult to keep your information safe. Using top ID protection technology and your credit union. Sherpa will equip you with the tools and guidance to protect your personal information. If a breach should occur, SHERPA's proactive monitoring identifies it quickly. Plus they have the experts you need to navigate the path to identity and credit restoration should you ever need it.

Cross Valley FCU will be offering Sherpa Identity Protection at three levels to fit every members’ needs and budget. Don’t cross your fingers and hope for the best be proactive!!! Be sure to check back for more details!

Effective August 15, 2016, Cross Valley Federal Credit Union will be altering how this institution complies with Reg D limitations of frequency of transfers.

Due to Federal Regulations, during any month, you may make an unlimited number of withdrawals in person, by mail, or ATM from your non-transactional account.

However, you may not make more than six withdrawals or transfers to another account of yours, or to a third party by means of a preauthorized (POS or ACH) or automatic transfer (OVERDRAFT PROTECTION), PAL, Home CU, or similar order to a third party.

Loan payments at Cross Valley Federal Credit Union are not included. If you exceed the transfer limitations set forth above, your account may be subject to penalties or closure.

For more information on how this regulation, simply click here to view our Reg D FAQs.

Cross Valley FCU ATM/Debit Card Conversion New Cardů New Benefits... New Ways to Save!

At Cross Valley FCU, we’re committed to providing our members with the best products and services available. That’s why we’re thrilled to report that we’ll be enhancing your ATM or Debit Card from Visa© to MasterCard© EMV this October. Your new MasterCard EMV Debit Card can be used just as the ATM or Debit Card you’re using today, with the same worldwide acceptance and unlimited access at ATMs and merchants.

Because your card number will be changing, you must update any automatic payments you have set up on your existing Debit Card. (These may include EZPay, Netflix©, Amazon©, gym memberships, etc.) You can do this once you receive and activate your new MasterCard Debit Card.

Afraid you’ll forget and don’t want to wait? You may also choose to switch your automatic payments from your Debit Card to your checking account. Simply use our routing and transit number − 231386881 − and your checking account number. Cross Valley FCU is proud to lead the industry with secured EMV chip technology. This technology is becoming the standard, and it helps keep your transactions and personal information more secure.

The embedded EMV microchip on the front of the card encrypts your personal and purchase information into a unique code that makes card replication and fraud more difficult when used with the EMV payment method.

For answers to more of your questions, please click here to view our FAQs page.

If you have questions about the new Cross Valley MasterCard debit card program, please contact Member Services at 570-823-6836 or your local Cross Valley branch office.

What is Same Day ACH?

The National Automated Clearinghouse Association (NACHA) adopted this rule to provide a new capability for moving ACH payments faster. This rule will enable same day processing of MOST ACH payments. This rule change enables vendors and companies that desire same day processing the option to send same day ACH transactions to accounts at any Receiving Depository Financial Institution (RDFI).

What are the benefits to Same Day ACH?

  • Credits – if your payroll office missed a cut off, they have two more opportunities to send the file out.
  • Debits – Billing companies can offer same-day bill payment via their web sites and call centers, allowing consumers to have their bill payments made and completed on a single business day. This can include bill payments made on due dates; that are late; or are the start, end or restoration of service.
  • More up-to-date information regarding transactions on member accounts.
What types of ACH payments are eligible for same day processing?

Almost all ACH payments are eligible; the only exclusions are international transactions (IATs) and transactions above $25,000.00.

Additional Information:

  • All Receiving Depository Financial Institutions (RDFIs) are required to receive and process Same Day ACH payments, both credit and debit transactions.
  • RDFIs rely on the accuracy of information contained in the Entry, from the Vendor/Billers. RDFIs are not in position to know the date or timing for which any specific ACH debit was authorized.
  • Members should understand that when they authorize a merchant or biller to debit their account, the merchant or biller should include information or a statement about the timing of the payment.
  • Members should always have sufficient funds in their account to cover every payment they make, authorize or initiate, and they should frequently review their account statements and transactions for accuracy.

Please note that as of September 15, 2017 files can come in three times per a day, which can also mean that returns can also be acquired three times a day as well. In order to avoid fees be sure to keep your account current or to make deposits the day before.
Website Accessibility Under ADA.

At Cross Valley FCU, we are improving the accessibitity and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines 2.0. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need with any content on our website or online services, please contact us at 570-823-6836.