When your income pours in for part of the year and slows to a trickle the rest, saving can feel like an uphill climb. Cross Valley gets it, and we built something specifically to help.

Introducing the Seasonal Savings Certificate

The Seasonal Savings Certificate is a high-yield savings option designed around the way seasonal earners actually live and work. Instead of fighting against an income that comes and goes, you can put your busy-season earnings to work and earn a strong, guaranteed return while you do.

Here’s what makes it a great fit:

• Earn a guaranteed 3.50% APY*
• Choose a 6- or 9-month term to match your season
• Deposit funds anytime, so you can keep adding as you earn
• No maximum deposit amount
• Includes free WealthWise financial guidance to help you save smarter

Built around your season, not against it

The flexible terms and anytime deposits mean your savings can grow right alongside your busiest months. Then, when the slow season arrives, you’ll have a cushion ready and waiting. Pair that with personalized guidance from our WealthWise team, and you have a real plan for turning a few strong months into year-round stability.

Make this season the one where your hard-earned income works as hard as you do. Learn more and open your Seasonal Savings Certificate at

Together, we’ll help you maximize your income, build your savings, and head into your next season with confidence.

Get started today

*Annual Percentage Yield. Seasonal Savings Certificate is available to all Cross Valley Federal Credit Union members. Rate is accurate as of July 1, 2026. 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.

Summer’s here, with road trips, ballgames and that long-awaited getaway. But so are the scammers, and this year they’ve leveled up, using real booking details, spoofed numbers, even AI-generated voices. A few seconds of skepticism still stops most of them. Here’s what’s making the rounds.

Booking “hijacks.” A message arrives with your real hotel, dates and confirmation number, then a link to “update payment.” It’s fake. Call the hotel or airline using the number on their official site, never pay through a link.

Fake event tickets. With the World Cup in North America and festival season here, bogus ticket sites rank high in search results. Buy only from official box offices or verified resale partners.

“Unpaid toll” texts. Messages claiming you owe a small fee, often spoofing E-ZPass, are surging. Real agencies don’t collect by text. Look up the toll authority yourself.

AI imposter scams. Scammers can clone a voice or fake a video chat. If a “grandchild,” romance or company creates urgency around money, hang up and verify through a trusted number. A family safe word helps.

Your scam-proofing checklist

• Turn on transaction alerts in your Cross Valley app
• Check accounts regularly and use strong, unique passwords
• Never pay by gift card, wire or crypto, which is a red flag
• When something feels off, pause. Urgency is the scammer’s tool.

When in doubt, contact us directly. Here’s to a summer that stays fun, relaxing and scam-free.

We’re always looking for ways to make communication easier, faster and more convenient for our members. Soon, that will include text messages from select Cross Valley departments.

As this new service rolls out, members may receive helpful updates from areas such as Member Service, Lending, Business Development, Marketing or Collections. These messages are meant to make it easier to stay informed and connected when something needs your attention.

Of course, your security always comes first. Cross Valley will never ask you by text message for your personal details, including:

• Account number
• Debit or credit card number
• Online banking password
• Online banking credentials

Our texting numbers include:

Collections
+15706762196

Business Development
+15705690786

Member Service
+1570823683609

Lending
+1570910809927

Marketing
+1570526271127

If a message ever feels suspicious, don’t click any links or share personal information. Instead, contact us directly.

We’ll share more details as this texting service becomes available!

What if your ATM could do a whole lot more than hand you cash? At Cross Valley, it can. Our QUBE and QUBE+ kiosks put a surprising amount of everyday banking right at your fingertips, so you can get in, get it done and get on with your day without ever heading inside.

What you can do at a QUBE

• Deposit cash and checks
• Withdraw cash
• Transfer funds between accounts
• Make loan payments
• Check your balances
• Access your accounts quickly, no lobby required

QUBE+ adds a real, live teller

Want a little extra help? At our QUBE+ kiosks during regular business hours, you can connect face-to-face with a live teller directly on the screen. It’s the personal service you’d get at the counter with the speed and convenience of a drive-up, all without going inside.

Find one near you

Planning for education after high school can feel overwhelming, especially when it comes to the cost. At Cross Valley, helping young people prepare for their future is part of our commitment to creating more opportunity in the communities we serve.

Through our Tuition Fund Program, students between the ages of 15 and 18 can receive a dollar-for-dollar match on their post-high school savings. Eligible students can save anywhere from $250 to $1,000, and Cross Valley will match those funds with a check made payable directly to the college, university, trade school, union or apprenticeship they choose to attend.

The program is designed to encourage smart savings habits while helping students take meaningful steps toward higher education. To participate, students simply open a Share Savings Account at Cross Valley and designate a secondary savings account as their “Tuition Fund.” Deposits can be made through direct deposit, paychecks or money earned through jobs and side work.

Once a student reaches their savings goal, Cross Valley verifies the deposits and prepares the matching funds within five business days.

Case in point, our recent ESP Scholarship winner, Aubrey Spearing, also took advantage of the Tuition Fund in addition to the $2,500 scholarship she received.

Aubrey Spearing receiving her $2,500 scholarship from Traci Donahue.

The Tuition Fund Program is one of the many ways Cross Valley invests in the next generation. The credit union has long been committed to supporting financial education and expanding opportunities for young people throughout northeastern Pennsylvania.

That commitment is also reflected through Ranger Credit Union, a student-led branch created in partnership with Northwest Area High School in Shickshinny. Designed to serve a rural community with limited opportunities, Ranger Credit Union provides more than 200 students with access to financial services, scholarships, personalized financial counseling and even employment opportunities through the school’s coffee shop.

Together, programs like Tuition Fund and Ranger Credit Union help students build confidence with money, develop lifelong financial skills and take meaningful steps toward achieving their goals.

Students and families interested in learning more about the Tuition Fund Program can contact Cross Valley at (570) 823-6836 or visit any Cross Valley branch location.

Because at Cross Valley, investing in education means investing in the future of our communities.

You don’t need a major renovation or a big spend to make your home feel brand new for summer. A few smart, low-cost changes can lighten up a room, lift your mood and give your space that fresh seasonal feeling. Here’s how to get a big impact without stretching your budget.

Lighten up for the season

Swap heavy winter throws, dark pillow covers and flannel bedding for lighter fabrics in brighter colors. Linen and cotton in soft, airy tones instantly make a room feel cooler and more open, and pillow covers are far cheaper than buying whole new pillows.

Rearrange before you buy

Before spending a dollar, try moving your furniture. Pulling a sofa away from the wall, angling a chair toward a window or simply opening up a walkway can completely change how a room feels. It’s free and often reveals you needed a new layout more than new things.

Let the light in

Summer is all about natural light. Clean your windows, switch heavy drapes for sheer curtains and place a mirror across from a window to bounce light around the room. Brighter spaces feel bigger and more cheerful with zero ongoing cost.

Add greenery

A few plants (real or no-maintenance faux) bring life and color to any corner. Herbs on a kitchen windowsill do double duty by looking nice and saving you money at the store.

Shop your own home

Move a lamp from the bedroom to the living room, rotate the art between rooms or restyle a shelf with things you already own. A fresh arrangement of what you have can feel like something new.

Hunt for secondhand gems

Thrift stores, estate sales and online marketplaces are full of solid furniture and decor for a fraction of retail. A little paint or new hardware can turn a budget find into a showpiece.

Refresh with paint

If you do spend on one thing, make it paint. A single accent wall or a few coats on a tired dresser deliver the biggest visible change for the smallest cost.

A summer refresh should feel good for your home and your wallet. Set a small budget, give yourself permission to get creative and enjoy the results. And if a bigger project is on your wish list down the road, Cross Valley is here to help you plan and save for it.

If you’re reading this and attended our Annual Meeting, thank you for being there!

If you weren’t able to make it, this is for you, too!

My goal is simple: to keep our members informed about where we’ve been, where we are and where we’re headed.

When we look in the rearview mirror, one thing is clear: your credit union spent the year focused on building stronger financial futures.

Here’s how we put that promise into action:

• We introduced our Edge Loyalty Program
• Expanded financial education with our WealthWise program
• Launched a Seasonal Savings Certificate
• Hosted our first community seminar presented entirely in Spanish

Giving back to the community

Through sound lending and investment decisions, we donated $52,000 to local nonprofits and $10,000 to St. Jude Children’s Hospital. Just as importantly, our team invested 547 volunteer hours supporting local charities and organizations.

We also began plans to better support our local Veterans and underserved communities, ensuring our impact continues far beyond our branches.

The year’s financials

Our independent auditors, RKL, LLP, issued an opinion that our statements of financial condition present fairly, in all material respects, the financial position of the credit union as of and for the year ended June 30, 2025.

• Total assets grew 14.2% over 2024
• We ended December 31, 2025 with $281,599,662 in assets under management
• Through careful balance sheet management, we continued building capital so we can keep investing in:
  • New technologies
  • New products and services
  • And most importantly, our people

The credit union continues to be considered “well-capitalized” under our regulatory body, the National Credit Union Administration (NCUA).

Today, as transactions, services, and solutions continue to move deeper into the digital space, we are constantly evaluating where credit unions belong in an ever-changing environment.

The world around us is evolving quickly, and our responsibility is to ensure that Cross Valley remains relevant, strong, and trusted—not just today, but for generations to come.

Credit unions have always stood apart. We are not-for-profit, not-for-charity, but for service. That principle guides every decision we make.

Every single day, we work to balance how we serve all of you—because you are at different stages of life, you experience change differently, and yet, we need each and every one of you.

• We need members building and maintaining deposits to sustain the credit union’s strength.
• We need members in their borrowing years to trust us as the safe, reliable place we pride ourselves on being.

By responsibly managing both deposits and lending, we’re able to reinvest locally and support those who need help most.

Cross Valley has a clear commitment: Impact over Everything. Let me be very clear: Cross Valley is not spending your money frivolously. We are laser-focused on impact.

We continually ask ourselves a very important question:

How do we do the greatest good with the limited resources entrusted to us?

That question sits at the center of every strategic decision we make. And we don’t make those decisions alone—we look to you for direction.

If you have an idea, a concern, or a passion—something you believe could enrich the lives of fellow members—we want to hear it. Talk to a branch employee, reach out online, send us an email, or stop in for a conversation. Open communication makes us stronger, and listening is part of who we are.

Looking ahead: What is coming in 2026-2027

We have a lot to be excited about. Here’s a look at some of what we’re working on.

Digital improvements remain a top priority. (Yes, We Heard You!)

• Phone system upgrades are actively underway. While improvements were made, we know it hasn’t been as user-friendly as it should be—and we’re fixing that.
• Continued investment in online account opening, streamlined loan processes, and home banking enhancements that evolve with member expectations.
• Implementation of a stronger collections system, which helps:
  • Protect your deposits
  • Better support members facing financial hardship
  • Ensure accountability and fairness on both sides

And one of the most exciting updates for members: We are introducing a new and improved online payment option—and it will be FREE to our members.

We are closely monitoring the economic environment so we can:

• Offer competitive dividend and loan rates
• Responsibly manage associated risks

One area we’re actively exploring is how we can better support members through the transfer of generational wealth and help ease the burden of inheritance taxes. This is an evolving area, and we welcome your ideas as we navigate it together.

Education remains a cornerstone of our mission.

• We’ll continue supporting Financial Reality Fairs, which have proven valuable for students and adults.
• We are introducing a bilingual coloring book and hope to follow it with a credit-union-focused educational edition.

Small steps can spark lifelong financial awareness—and we’re committed to starting early.

We’re enhancing offerings for our business community, including:

• 401(k) options for Select Employee Groups
• Increased access to FHL Bank grants, including:
  • Home4Good, supporting stable housing solutions
    • $6 million committed by FHLBank Pittsburgh
    • $8.394 million total available in 2025
  • Funding awarded locally to organizations including:
    • CEO-PA: $35,225
    • Catholic Social Services: $17,725
    • Salvation Army/Kirby Family House: $17,725
    • Valley Youth House: $14,225
    • Volunteers of America: $24,725
    • Willow Foundation: $7,225
    • Continuum of Care Administration: $6,150

Additional programs include:

• Affordable Housing Program
• Voluntary Housing Grant Initiative
• First Front Door for first-time homebuyers
• Supporting Our Veterans, as part of our Veterans benefits initiative, we’ve already taken meaningful steps, including:
  • Membership in the VA Veterans Benefit Banking Program
  • Participation in the Defense Credit Union Council
  • Membership in the National Credit Union Coalition for America’s Heroes
  • Launching a dedicated Veteran resource page on our website

Veteran financial literacy is more than talking about money—it’s about empowerment, access, and stability at every stage of life.

Our physical presence continues to evolve:

• Plans are underway for a micro-branch in Hazleton at Church Hill Mall, with hopes for a summer grand opening.
• Work continues on the Mountain Top branch relocation. While zoning challenges have slowed progress, we remain hopeful construction will begin this summer.

And at the end of the day, it is Always About You! One thing hasn’t changed—and never will, Cross Valley FCU exists to serve you.
People always come first, and members are at the heart of every decision we make.

Mark your calendar for April 19, 2027—our next Annual Meeting.

We hope to see you there!

Research keeps pointing to the same thing: Early financial skills lead to stronger financial well-being down the road. That’s exactly why Cross Valley offers a range of ways for the kids and teens in our community to start building those habits now.

For ages 12 and under: A Savings Account in their name

Younger members can open a joint* Share Savings Account that’s truly theirs. They can make deposits and withdrawals, see firsthand how interest helps their money grow, and start connecting the dots between saving and reaching a goal. They’ll also have free access to financial education from our WealthWise team.

For ages 13 - 18: the Executive Student Program

Teens get a fuller toolkit designed to build real-world money skills before they head out on their own. The Executive Student Program includes:

• A joint Share Draft Checking Account*
• A joint Share Savings Account*
• A Mastercard^© Debit Card
• Access to more than 55,000 ATMs
• Good Student Rewards eligibility
• Scholarship eligibility
• Free WealthWise financial education

It’s a hands-on way for teens to learn budgeting, spending and saving with a safety net and guidance close by.

Get them started

Give the young person in your life a head start on a promising financial future.

Learn more

*The joint account holder must be a Cross Valley member.