Fee Schedule - Cross Valley Federal Credit Union

Checking Accounts

Seize your day Take control of your finances with a Cross Valley Checking account.

Auto Loans & Refinancing

Rates as low as 4.99% APR*

Share Certificates

Earn an amazing 4.60 APY*

* APY = Annual Percentage Yield. The APY is current as of July 13, 2023. For full details, please review our Truth-in-Share Certificates Disclosure or contact the credit union (570-823-6836). Rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal applies. Member eligibility is required.

Benefits

Small Business Lending Need funds for your new venture? We make it our business to know your business, so we can help your business grow.

Look at lending options

Becoming a member

It's time to take a trip. Your destination: Opportunity.

Welcome to Opportunity

Fee Schedule

The way we pay for things.

Fees are sometimes an unfortunate part of life. But we do our best to minimize ours. You’ll find we have a lot fewer and lower fees than most banks. It’s just another way we try to take care of you.

See how Cross Valley FCU measures up (err, down!) to other financial institutions.

Fees are effective April 29, 2024

Minimal fees, more you.

ATM Fees

Service	Fee
Replacement Card	$10.00
Replacement Card Rush	$25.00
Empty Deposit Envelope	$30.00
Monthly Fee without Direct Deposit	$1.00
Monthly Fee with Direct Deposit	FREE
Non-CVFCU Machine for ATM/DEBIT/PIN transactions (Over 6/month)	$1.00 each
Overdraft for recurring ATM Transactions	$35.00 each
International Service Assessment (ISA) Fee	Current Mastercard rate

Share Draft / ACH Fees

Service	Fee
Second Chance Share Draft	$3.00 per month
Return Fee	$35.00
Stop Payment	$35.00
ACH Authorization Revoked	$35.00
Automatic Transfer	$5.00
Checks (with direct deposit)	1 box free/yr
Check Copies	$2.00
Check Copies Online	FREE
Check Copies (after 1 year)	$5.00
Courtesy Pay	$35.00

e-Services Fees

Service	Fee
ePay	FREE
eStatements	FREE
Online Transfers	FREE
eMobile Texts (over 16)	$.05/text
BluePay Online Loan Payments	$10.00

Lending Fees

Service	Fee
Titling Fee	$100.00

Privacy and Cookie Policy

Last updated May 27, 2022

This Cookie Policy explains how Cross Valley Federal Credit Union ("Company", "we", "us", and "our") uses cookies and similar technologies to recognize you when you visit our website at my.crossvalleyfcu.org ("Website"). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information.

What are cookies?

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information.

Cookies set by the website owner (in this case, Cross Valley Federal Credit Union) are called "first party cookies". Cookies set by parties other than the website owner are called "third party cookies". Third party cookies enable third party features or functionality to be provided on or through the website (e.g. like advertising, interactive content and analytics). The parties that set these third party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.

Why do we use cookies?

We use first and third party cookies for several reasons. Some cookies are required for technical reasons in order for our Website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Website for advertising, analytics and other purposes. This is described in more detail below.

The specific types of first and third party cookies served through our Website and the purposes they perform are described below (please note that the specific cookies served may vary depending on the specific Online Property you visit):

How can I control cookies?

You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the customize panel. The customize panel allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services.

The customize panel can be found in the notification banner. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies. As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser's help menu for more information.

In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit http://www.aboutads.info/choices/ or http://www.youronlinechoices.com.

Analytics and customization cookies

These cookies collect information that is used either in aggregate form to help us understand how our Website are being used or how effective our marketing campaigns are, or to help us customize our Website for you.

What about other tracking technologies, like web beacons?

Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our Website or opened an e-mail including them. This allows us, for example, to monitor the traffic patterns of users from one page within a website to another, to deliver or communicate with cookies, to understand whether you have come to the website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of e-mail marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning.

Do you serve targeted advertising?

Third parties may serve cookies on your computer or mobile device to serve advertising through our Website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. This can be accomplished by them using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details or other details that directly identify you unless you choose to provide these.

How often will you update this Cookie Policy?

We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.

The date at the top of this Cookie Policy indicates when it was last updated.