--- title: "Cross Valley Credit Union Rates - Pennsylvania" description: "Current auto loan, heloc, personal loan, and savings & cd rates from Cross Valley Credit Union in Pennsylvania. Updated daily with source verification. See who can join Cross Valley Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/cross-valley" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Cross Valley Credit Union Rates - Pennsylvania ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan, Refinance** auto | — APR | 4.790% | — | Standard | | **New / Used Car, Truck, SUV Loan (2022 - 2026)²** auto_any_36mo | — APR | 4.790% | 36 mo · any | Standard | | **Used Car, Truck, SUV Loans (2021 & older)²** auto_used_36mo | — APR | 4.990% | 36 mo · used | Standard | | **New / Used Car, Truck, SUV Loan (2022 - 2026)²** auto_any_60mo | — APR | 5.040% | 60 mo · any | Standard | | **Used Car, Truck, SUV Loans (2021 & older)²** auto_used_60mo | — APR | 5.240% | 60 mo · used | Standard | | **New / Used Car, Truck, SUV Loan (2022 - 2026)²** auto_any_72mo | — APR | 5.490% | 72 mo · any | Standard | | **Used Car, Truck, SUV Loans (2021 & older)²** auto_used_72mo | — APR | 5.990% | 72 mo · used | Standard | | **New / Used Car, Truck, SUV Loan (2022 - 2026)²** auto_any_84mo | — APR | 6.090% | 84 mo · any | Standard | | **New / Used (2022 - 2026)²** auto_any_36mo | — APR | 6.150% | 36 mo · any | Standard | | **Used Car, Truck, SUV Loans (2021 & older)²** auto_used_84mo | — APR | 6.240% | 84 mo · used | Standard | | **New / Used (2022 - 2026)²** auto_any_60mo | — APR | 6.500% | 60 mo · any | Standard | | **New / Used (2022 - 2026)²** auto_any_72mo | — APR | 6.750% | 72 mo · any | Standard | | **10 Years Or Older** auto_used_60mo | — APR | 7.040% | 60 mo · used | Standard | Cross Valley Credit Union auto & vehicle rates as of November 9, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 4.990% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.990% | — | Standard | | **Current Home Equity Loan rates: (0-60 Months)** heloc_fixed | — APR | 5.990% | — | Standard | | **Current Home Equity Loan rates: (61-120 Months)** heloc_fixed | — APR | 6.990% | — | Standard | | **Current Home Equity Loan rates: (121-180 Months)** heloc_fixed | — APR | 6.990% | — | Standard | Cross Valley Credit Union heloc rates as of November 9, 2026 ### Personal loan rates 8 offers | Product | Published | Rate | Term / condition | Status | | **180-Month Share-Secured Loan** personal_secured_180mo | — APR | 4.500% | 180 mo | Standard | | **Share Pledged³** personal_unsecured_180mo | — APR | 4.500% | 180 mo | Standard | | **Personal Loan (unsecured) $500 - $15,000** personal_unsecured_60mo | — APR | 8.250% | 60 mo | Standard | | **Personal (up to $15,000)³** personal_unsecured_60mo | — APR | 8.250% | 60 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 9.750% | — | Standard | | **Personal ($15,000.01 - $25,000)³** personal_unsecured_72mo | — APR | 11.250% | 72 mo | Standard | | **Personal Loan (unsecured) $15,000.01 - $25,000** personal_unsecured_60mo | — APR | 11.250% | 60 mo | Standard | | **12-Month Credit Builder Loan** personal_unsecured_12mo | — APR | 15.990% | 12 mo | Standard | Cross Valley Credit Union personal loan rates as of November 9, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Certificate** share_certificate | — APY | 3.50% | — | Standard | | **Set it. Forget it. Watch it grow. (12-Month Certificate)** cd_12mo | — APY | 3.50% | 12 mo | Standard | | **Set it. Forget it. Watch it grow. (6-Month Certificate)** cd_6mo | — APY | 3.50% | 6 mo | Standard | | **Set it. Forget it. Watch it grow. (9-Month Certificate)** cd_9mo | — APY | 3.50% | 9 mo | Standard | | **Set it. Forget it. Watch it grow. (18-Month Certificate)** cd_18mo | — APY | 3.60% | 18 mo | Standard | | **Set it. Forget it. Watch it grow. (24-Month Certificate)** cd_24mo | — APY | 3.75% | 24 mo | Standard | Cross Valley Credit Union savings & cd rates as of November 9, 2026 Cross Valley Credit Union is a credit union in Pennsylvania. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/cross-valley) , verified from [Cross Valley Credit Union's official website](https://www.crossvalleyfcu.org/) Loading branch locator… ## About Cross Valley Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.1K Assets $293.6M Founded 1969 Locations reported 6 NCUA charter 19228 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Choice One Community** Wilkes Barre · Wilkes Barre · PA · 18702-4305 Branch in the same ZIP](https://rateapi.dev/credit-unions/pennsylvania/choice-one-community) [**Service 1st** Wilkes-Barre Office · Wilkes Barre · PA · 18702 About 3.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/service-1st) [**Vantage Trust** MAIN OFFICE · WILKES BARRE · PA · 18702-6705 About 5.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/vantage-trust) [**Citymark** Main Office · Plains · PA · 18705 About 6.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/citymark) [**Wyoming Valley Educational Empl** Main Office · Plains · PA · 18705-1033 About 6.1 miles away](https://rateapi.dev/credit-unions/pennsylvania/wyoming-valley-educational-empl) [**Saint Nicholas** Saint Nicholas FCU · Wilkes Barre · PA · 18701 About 6.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/saint-nicholas) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Cross Valley Credit Union Membership eligibility from Cross Valley Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Cross Valley Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer All Mechanical Service Company, Luzerne County Transportation Authority, Federal Government - Association National Cosmetology Association of Pennsylvania, Wyoming Monument Association, Perugia Beneficial Society, Mountain Council of Governments, Assumpta Council #3987 - Knights of Columbus, The Nanticoke Firemen's Relief Association - Place of worship Apostolic Faith Church - School Luzerne County Community College Alumni Association, Luzerne County Community College Verified from [Cross Valley Credit Union's membership page](https://www.crossvalleyfcu.org/about/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Cross Valley Credit Union Employers 3 · Associations 6 · Schools 2 · Places of worship · Military 2 · Family 15 published paths to membership, last verified August 21, 2026, quoted from Cross Valley Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Federal government “Federal Government Employees Employees who work in, or supervised from Lackawanna, Luzerne, Susquehanna, Wayne Counties, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Employee of Federal government - Employee of All Mechanical Service Company - Works in city:PA:wilkes barre “All Mechanical Service Company Catholic Social Services Employees who work in, are paid, or supervised from Wilkes Barre, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Employee of All Mechanical Service Company and Works in Wilkes Barre, PA - Employee of Luzerne County Transportation Authority - Works in county:PA:luzerne “Luzerne County Transportation Authority Employees who work in, are paid, or supervised from Luzerne County, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Employee of Luzerne County Transportation Authority and Works in Luzerne County, PA ### Associations 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of National Cosmetology Association of Pennsylvania “National Cosmetology Association of Pennsylvania Member who qualify in accordance with its charter and bylaws in effect on August 10, 2021 - Kingston, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Member of National Cosmetology Association of Pennsylvania - Member of Wyoming Monument Association “Wyoming Monument Association Members who qualify for membership in accordance with its Document of Incorporation in effect March 22, 2001 - Wyoming, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Member of Wyoming Monument Association - Member of Perugia Beneficial Society “Perugia Beneficial Society Member who qualify for membership in accordance with its charter and bylaws in effect on August 10, 2021 - Plains, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Member of Perugia Beneficial Society - Member of Mountain Council of Governments “Mountain Council of Governments Members who qualify for membership in accordance with its Articles of Agreement in effect on August 10, 2021 - Hazleton, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Member of Mountain Council of Governments - Member of Assumpta Council #3987 - Knights of Columbus “Assumpta Council #3987 - Knights of Columbus Member who qualify in accordance with its charter and bylaws in effect on August 10, 2021 - Luzerne, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Member of Assumpta Council #3987 - Knights of Columbus - Member of The Nanticoke Firemen's Relief Association “The Nanticoke Firemen's Relief Association Active members who qualify for membership in accordance with it charter and bylaws in effect on August 10, 2021 - Nanticoke, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Member of The Nanticoke Firemen's Relief Association ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Alumni of Luzerne County Community College Alumni Association “Luzerne County Community College Alumni Association Voting members who qualify for membership in accordance with its constitution and bylaws as of August 10, 2021 - Nanticoke, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Alumnus of Luzerne County Community College Alumni Association - Student of Luzerne County Community College “Student Luzerne County Community College Nanticoke, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Student at Luzerne County Community College ### Places of worship 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Apostolic Faith Church “Apostolic Faith Church Members located in Hazleton, PA” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Member of Apostolic Faith Church ### Military 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Military affiliation “Pennsylvania National Guard Full-time who work/supervise in Lackawanna, Luzerne, Susquehanna, or Wayne Counties” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Military: National Guard - Military affiliation “Military Reserve Personnel Full-time who work in Recruiting Offices, Reserve Units, or Reserve Training CTR in Lackawanna, Luzerne, Susquehanna, or Wayne Counties” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Military: reservists ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step sibling “Individuals who are members of an “immediate family or household” of an eligible individual, defined as: spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, step siblings, and adoptive relationships.” > [source ↗](https://www.crossvalleyfcu.org/about/membership/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step sibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Cross Valley Credit Union? Yes No ## Work at Cross Valley Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Cross Valley Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Cross Valley Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=cross-valley&state=pennsylvania&code=PA&name=Cross%20Valley%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Cross Valley Credit Union offer? Cross Valley Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 9, 2026 directly from the credit union's official website. ### How often are Cross Valley Credit Union rates updated? RateAPI verifies Cross Valley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 9, 2026. ### Where does RateAPI get Cross Valley Credit Union's rate data? Rate data is collected directly from Cross Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Cross Valley Credit Union? Cross Valley Credit Union publishes its membership criteria on its own website. RateAPI tracks 15 published membership paths covering 3 employers, 6 associations, 2 schools, 1 places of worship and 2 military for Cross Valley Credit Union, each quoted from Cross Valley Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Cross Valley Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.crossvalleyfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Cross Valley Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Cross Valley Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /cross-valley " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Cross Valley Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/cross-valley Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp