About

Credit unions, unlike banks, are member-owned cooperatives focused on community and service. We prioritize your financial well-being over profits, offering lower fees, competitive rates, and personalized attention. As a credit union we’re committed to fostering a supportive and local approach that puts people first.

Even when compared to smaller local and regional banks, it comes down to ownership. Although smaller than the huge multinational banks, local banks are still typically owned by a combination of shareholders, private investors, and sometimes institutional investors.

With credit unions like Cross Valley, our members are the shareholder, the investors and the owners. It’s why accounts like our Share Draft and Share Savings Account have the word “share” in front of them.

Through your auto loan, you still own a share in the credit union—it’s included in the auto loan agreement. That share you own, even though it’s small, still makes you an owner of Cross Valley. Feels pretty good, huh?