Share Solutions 


What are your savings goals?

Maybe they include a college education, owning your dream home, or simply the security of knowing you have the financial resources to live comfortably after retirement. Whatever your goal Cross Valley FCU has the share solution that is just right for you.

Your initial deposit in your Share Account is your "Share" in the credit union. This account is your primary savings account. You can also open as many Share accounts as you would like. All earn dividends, can be used as a basis for Overdraft Protection, can be accessed at any time and be set up for special purposes, too!

SECONDARY SHARE ACCOUNT (GENERAL PURPOSE ACCOUNT)
Need more than one Share account? Open a Secondary Share Account to set additional funds aside for your personal goals. Whether it’s a new car or just something special you’re saving for, this is a perfect way to keep track of your funds.


VACATION CLUB ACCOUNTS
Saving for your next vacation is easy with our Vacation Club Account. Dividends are compounded and credited quarterly. Vacation Clubs will be transferred into your Share Account, normally on April 1st. No checks will be issued unless you call or come into the credit union on the date publicized. Deposit dates are posted in our newsletter or are available contacting the credit union. It’s always a great time to start a new Vacation Club if you haven’t already done so! What better, more convenient way is there to save up for that vacation you’ve been dreaming about?

HOLIDAY CLUB ACCOUNTS
For years, members have enjoyed their holiday shopping even more by knowing they had planned ahead with a Cross Valley FCU Holiday Club Account. You can save as much or as little as you want each pay period. Dividends are compounded and credited quarterly. No checks will be issued unless you call or come into the credit union on the date publicized. Deposits are transferred into your savings account normally on October 1st. This is also the perfect time to start a new Holiday Club if you haven’t already done so. What better or more convenient way is there to save up for that special gift you’ve been planning to purchase?


Earn a yield dividend and have access to your money when you need it. Minimum balance of $2,500.00 is required. Dividends are calculated and paid monthly. We also offer Premium Money Market Accounts that feature special tiered rates.

To open a Money Market Account, or for more details, please contact the credit union or visit the Cross Valley FCU branch nearest you.


Certificates offer dividends at higher rates than normal Share Accounts. But they require that the money deposited stays in the account for the length of the term, otherwise a penalty can be imposed for early withdrawal. With a $1000.00 minimum deposit, you can open a Cross Valley FCU Certificate and choose the term that’s best for your financial situation. The longer the term and the higher the balance, the better the rate of return. Learn more about our certificate options.