Youth Solutions


Make savings your goal, and the goal of the youngster in your life!

At Cross Valley FCU we know your children mean the world to you. So putting some savings aside now, while they are still young, will help secure their financial future. The Scottie Savers Club is a program from Cross Valley FCU designed to give you the opportunity to save with your child and have fun at the same time!

Scottie Savers, ages 3 to 12 years old, must live, work, worship, or attend school in Luzerne, Lackawanna, or Wyoming Counties. Each child must have his or her own individual account and must have an adult on the account as a joint owner.

Together, we can teach our youth valuable lessons!
  • Executive Student Program (E.S.P.)

Get a head start on your future today!

The Executive Student Program was designed to help students 13 to 17 years old start off on the right road to financial responsibility. E.S.P. is available to students who are in the family of a member of Cross Valley FCU.

You will be asked to make an initial deposit of $10.00 ($5.00 is your membership fee and the other $5.00 will be deposited into your account where it will remain as your "share" in the credit union) to establish your account with Cross Valley FCU. Your account earns dividends (interest) from day of deposit to day of withdrawal. Open an account by filling out a membership card online or at your local Cross Valley FCU Branch. If your parents will be co-owners of the account; they must sign also.

When filling out your membership application you must check the box to request a share draft account. Students must have a guardian as a co-owner of the account.

You can use this card to access your Share and Share Draft Accounts. All transactions at Cross Valley FCU ATMs are no charge. Withdrawal at non-Cross Valley FCU ATMs may be subject to a surcharge.

As an E.S.P. member you will be eligible for our $5.00 Good Student Rewards Deposit, if you receive an award such as honors, athletic accolades, etc. Each student can receive one award per quarter. To receive your $5.00, just send a copy of your latest report card or award to our Main Office.

Each August Cross Valley FCU awards scholarships to E.S.P. members graduating and continuing their education in college. Students must have a B average or higher to eligible. Be sure to check our website, branches, and social media for scholarship applications and full details. You can also contact any member service representative for this information.

Opening an E.S.P. Account is easy!

Simply complete a membership application online, visit any of our convenient locations, or contact the credit union today!


Free Educational Materials & Classroom Visits

Cross Valley FCU staff is available to speak to your class about financial literacy topics! Contact us today to learn about free educational materials for your classroom.


Joining Cross Valley FCU and opening a youth savings account is easy!

Simply complete a membership application online, visit any of our convenient locations, or contact a member service representative today!