Feeling the chill this winter? If your heating bills are climbing or your home’s insulation isn’t pulling its weight, it might be time for a home efficiency upgrade. From energy-efficient windows to a new HVAC system or improved insulation, these updates can do more than just keep you warm—they can also shrink your heating bills and boost your comfort all season long.

Cross Valley is here to help you turn those upgrades into reality without breaking the bank. A Home Equity Line of Credit (HELOC) or Home Equity Loan is an affordable and flexible way to fund your home improvements. With competitive rates and a straightforward process, we make it easy to invest in your home’s comfort and value.

And let’s not forget the bonus: these upgrades often pay for themselves over time through lower energy bills and increased property value. So, why not let your home work harder for you?

Don’t let the cold keep you down—take the first step toward warmer, more affordable days. Stop by or give us a call to learn more about our HELOCs and Home Equity Loans. Together, we can make your winter upgrades a reality. Cross Valley FCU: Helping you live smarter, warmer and happier this season!

Explore Home Lending

The holidays are full of joy, but let’s be real—sometimes they leave our wallets feeling the strain. If holiday spending has you looking for a smart way to manage debt or plan ahead, let us introduce you to a helpful tool: a Personal Line of Credit (PLOC).

What’s a PLOC? Think of it as your financial safety net. It’s a revolving credit line you can tap into whenever you need extra funds—whether to pay off holiday expenses, cover unexpected bills or fund a big goal in 2025. You borrow only what you need, when you need it, and pay interest only on the amount you use. Plus, as you pay it off, those funds become available again.

Why is a PLOC a great option for tackling holiday debt? For starters, it typically comes with lower rates than credit cards, helping you save money on interest. It also offers flexibility to create a repayment plan that fits your budget while giving you peace of mind for the year ahead.

We’re here to help you make smart financial moves. Want to learn more? Stop by or give us a call—we’d love to help you kick off 2025 with confidence and clarity!

Explore PLOCs

This past year, thanks to member submissions and help from our community, Cross Valley was able to grant holiday wishes for ten individuals—totaling an amazing $4,700!

Whether it’s an extra something under the tree or helping a family with a needed winter vehicle repair, it’s small acts of kindness like this that truly add the magic to our Holiday Magic program. We’re so thankful for everyone who gave submissions and even more thankful for those we were able to help. Communities are great, but it’s the individuals that make them amazing.

Be on the lookout for the 2025 Holiday Magic later in the year where you’ll have the opportunity to submit requests for individuals or families in need.

If you’re living (or at least trying) to live your best life now and in 2025, you probably do things like an annual checkup with your doctor, see the dentist a couple times a year (who reminds you to floss), exercise when you can and say you drink more water than you really do (don’t worry, we won’t tell).

But when was the last time you checked in on your finances? At Cross Valley, our WealthWise team offers a checkup for your money—all 100% free for you, your family or anyone living in your household.

The WealthWise team isn’t made up of just anyone; they’re our in-house squad of Certified Credit Union Financial Counselors™, ready to help you tackle everything from monthly budgeting to big-picture planning and more.

It’s such a good thing, we’ll say it again: The WealthWise financial checkup is 100% free for our members (that’s you), your family and anyone living in your household. Not only is the financial checkup free, but everything the WealthWise team offers is included with your membership at no additional cost!

Whether you’re dreaming of paying off debt, saving for a house or just getting a better handle on your money, WealthWise is here to help. No judgment, no pressure, no sales gimmicks—just friendly, professional guidance to get you where you want to be.

So, why not take advantage of this awesome member perk? Schedule your free checkup today and start feeling confident about your financial future. Call us or visit Cross Valley FCU to learn more. You’ve got this!

Schedule your free checkup

As many of you know, we recently rolled out a new Online Banking platform. And while we’ve had amazing feedback from our members, we understand there are some members who felt frustrated. I want to take a moment to address your concerns, share our perspective and explain why this change was necessary.

Why We Upgraded

The decision to move to a new platform was not taken lightly. Our previous system was reaching the end of its support lifecycle, meaning it could no longer meet our needs or yours. Beyond that, we saw an opportunity to improve your digital banking experience with an updated look, better user interface, greater functionality and features you’ve been asking for—like the ability to set travel notifications, update personal information, manage debit card transactions and perform external transfers, all in one place. Our goal was simple: give our members better security and make banking with Cross Valley easier, regardless of where you are.

Addressing Member Frustrations

Despite months of preparation and extensive outreach through social media, email, phone messages and in-branch notifications, we recognize this transition wasn’t as seamless as we had hoped. For that, I sincerely apologize. While we envisioned this change as a positive step forward, we understand that, for some members, it may not have felt that way.

Balancing Progress with Security

In today’s environment, protecting your data is one of our highest priorities. This new platform allows us to stay ahead of regulatory requirements and cyber threats while maintaining the hometown service you value. We take pride in offering personal service and a commitment to your financial well-being.

When frustrations arise, please remember our staff is here to help. We’re working tirelessly to address any and all issues our members are facing.

What We’ve Learned

This experience has been insightful and valuable. Here are a few key takeaways:

1. Keeping Your Information Updated is Essential
   Many members expressed frustration about updating your contact details. We understand it can feel like a hassle, but having up-to-date information is vital for us to protect your accounts, keep you informed and offer relevant services. If we don’t have accurate email addresses, or if you opt out of communications, it becomes difficult to reach you when changes happen.
2. Marketing Messages Need Improvement
   We understand some members feel our communications could be better aligned with their preferences, including both frequency and content. We’d love to hear your thoughts on how you’d like to stay connected. With 18,000 unique members, finding the perfect balance is a challenge, but we’re always looking to improve.
3. Security Measures Can Be Frustrating
   We know the extra layers of verification can be time-consuming. But with increasing fraud risks, these safeguards are necessary to protect your accounts. While they may feel inconvenient, they are designed with your security in mind.
4. Your Feedback Matters
   Some of you have praised our incredible staff, while others have shared less positive experiences. Both types of feedback are invaluable. If something isn’t working for you, we want to know. If you have suggestions for improvement, please let us know. Our credit union exists to serve you, and we’ll do everything we can to make sure you have the best experience with each and every interaction.

Moving Forward Together

We sincerely apologize for any inconvenience this transition has caused and appreciate your patience as we work through these challenges. At the heart of it all, we are only as good as our partnership with you.

Your feedback is incredibly valuable, and we’re committed to resolving any remaining issues as quickly as possible. Your input helps us grow and improve so we can serve you better. Thank you for your patience and for being part of our credit union family.

Sincerely,
Traci Donahue
CEO, Cross Valley FCU

In December of 2024, we launched a major upgrade to our online and mobile banking. Here are a few of our favorite features:

The Look and Feel: The user interface and overall experience of the new Online Banking is leaps and bounds better than what it used to be. Navigating our accounts, looking at transaction history and just using the app is so smooth and seamless. You can even personalize your dashboard’s colors!

Enhanced Security: In today’s world, any extra level of security, especially when it comes to your finances, is a great thing. And our new Online Banking has some serious sentries at the door. From two-factor authentication to biometric logins, it’s packed with enhanced security features that should make any intruder think twice.

Total Card Control: On top of security enhancements, the control you get over your accounts is amazing. Whether it’s updating your personal information, making transfers (internal or external), setting vacation notifications or requesting a new card—it can all be done from the app. With this much control at your fingertips, you might never need our call center again!